vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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: OH

Complaint narrative:
THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I know that these accounts are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
I have requested proof multiple times for incorrect status and balances. Please delete the following accounts : XXXX XXXX XXXX   XXXX XXXX # XXXX ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX UNVERIFIED PLEASE DELETE XXXX XXXX XXXX # XXXX ACCOUNT NOT MINE PLEASE DELETE XXXX/XXXX XXXX XXXX # XXXX DUPLICATE PLEASE DELETE XXXX/XXXX  # XXXX DUPLICATE PLEASE DELETE XXXX  # XXXX WRONG BALANCE ERROR PLEASE DELETE 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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: KY

Complaint narrative:
Ive contact National Credit Management on different occasions to delete an account on my credit report that is not mine. The first time I contact them via mailing in regards to validating the debt they failed to mail me copys that verify this debt as mine. They only decreased the debt from {$90.00} to {$70.00}. I recently filed a complaint and their only response was to close the account and return it to XXXX XXXX University.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
My account number with Freedom Mortgage is XXXX Freedom mortgage 's website is very glitchy and does not properly take in payment information. I've had several incidents were I've had to resubmit the mortgage payment which made it difficult. 

In the month of XX/XX/2018, the account number did not copy and paste over correctly ( it was missing 1 digit ) - to my knowledge I copied the full account number, due to this Freedom Mortgage charged me a late fee which now totals {$100.00} They do not notify anyone via e-mail if a payment does not go through, even though they send notifications for other purposes via email. They state they send a letter which doesn't come until 20 days after you make a payment which in turn allows them to enforce the late fee. They also do not allow you to setup recurring drafts until you 1 month ahead of the payment schedule, which means you must pay a full month 's mortgage in advanced. 

These practices that Freedom Mortgage participates in are deceitful and unethical, they should be reviewed and fined by CFPB. I want my {$100.00} refunded back to me as well.

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 2018-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated a dispute with Experian about an inaccurate credit entry from XXXX XXXX XXXX ; reporting my account with them as 30 days late in XX/XX/XXXX. 
On XX/XX/XXXX, I received notice that the dispute had been resolved and the file updated. However, the only thing that updated was XX/XX/XXXX changing from " OK '' to " ND '' ( No Data ). No changes were made to XX/XX/XXXX. 
I called Experian on the evening of XX/XX/XXXX to inquire about this, and have them send me what evidence XXXX XXXX presented to verify the data was accurate. 
Initially, I spoke to XXXX. He claimed there was nothing Experian could do unless the creditor updates the information they send in. He conferenced in XXXX XXXX to ask if the data was correct. However, the XXXX XXXX rep said they are now using a new system, and he did not have access to the system they used in XX/XX/XXXX. Since my account was setup for auto-payment at the time, he said there could have been an issue with debiting and posting dates. They stopped offering auto-pay about two months after I signed up for it. 
I explained to XXXX multiple times that Experian is required to have their data reporters furnish proof of accuracy for disputed entries, and they are legally obligated to provide that proof to the consumer if the consumer asks for it. For this dispute to have been resolved, XXXX XXXX would have been required to furnish said proof. XXXX wanted to argue that they are not. 
Next, I spoke to XXXX 's supervisor, XXXX, who claimed that during a dispute, creditors are not required to submit any proof beyond what they report. He further explained the dispute process is for Experian to ask the creditor if their information is correct, and if they say it's correct, then Experian does not change it and there is no requirement for the creditor to furnish any evidence of accuracy. 
Can you imagine a judge asking a criminal, " Did you do it? ... No? ... Well then, you're free to go. '' That is essentially what Experian says is their veification process.

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 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX  XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
on XX/XX/18 XXXX XXXX from XXXX XXXX XXXX contacted my place of employment. He was informed that personal calls are not accepted. He must contact me outside of my place of employment. He then informed the person that answered the phone that " Some of my personal information got out and he is working the issue '' He then asked them to provide me with callback information. 

on XX/XX/18 He called back He then spoke to XXXX. He also advised XXXX that my personal information got out and he is trying to clear it up.. She told him that she does not work in the same dept and she could locate me and transfer him.tomy voicemail. He refused to be transferred. She stated that he was extremely persistent and would not get off the phone until she took down his information.so she did. 

on XX/XX/2018 He called back. He spoke to XXXX who informed him that I did not work in her department and she could not locate me in the directory. She does not believe I work for the company. He continuously stated I did, He quoted to her what he believed my Job title was. She informed him several times she could not locate me in the directory and did not believe I worked there. He then stated that is not what XXXX told me yesterday. He refused to get off the phone without her taking down his information. She did after hanging up he called right back and asked for 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 2018-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The purpose of this letter is to outline the facts of Ms. XXXX dispute with Well Fargo from my perspective. 

In XX/XX/2018 I discovered that a significant sum of money, approximately {$7000.00}, was taken out of my XXXX  XXXX XXXX checking account without my authorization. Upon this discovery, I submitted a fraud claim with XXXX  XXXX XXXX and XXXX XXXX XXXX provided me a {$7000.00} credit while they performed their investigation. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that because my username and password had been used for the transactions, they considered that an authorized transaction, denied my fraud claim and reversed the {$7000.00} credit from my account. No money was put into my account based on my claim and I subsequently closed that bank account with XXXX  XXXX XXXX. 

After receiving the fraud claim denial from XXXX XXXX XXXX, Ms. XXXX contacted me because {$2600.00} from her savings account and {$200.00} from her checking account had been taken from her Wells Fargo account stating that it was a partial reversal of unauthorized transfers. It was only at this time that I knew where the money gone ( Ms. XXXX bank account ) when it was taken out of my account without my consent. It was at this time that I discovered that XXXX XXXX, Ms. XXXX daughter and my ex-girlfriend, had taken the money out of my account under the pretext that it was to pay bills relating to the apartment XXXX and I were living together prior to the breakup. Ms. XXXX informed me that she was not aware of the fact that XXXX and I had broken up and that she was only involved in the situation thinking that the money was to pay bills. 

Because XXXX XXXX XXXX had denied my fraud claim and because I believe that Ms. XXXX did not know that the money had been taken out of my account without my permission, I agreed to help Ms. XXXX retrieve the money that had been taken out of her account as a partial reversal of unauthorized transfers. 

During the process, Ms. XXXX and I spent an absorbent amount of time on the phone with both XXXX  XXXX XXXX and Wells Fargo on numerous occasions in a failed attempt to retrieve Ms. XXXX funds. This included having to take time off work to make calls and to visit the banks in person. Both banks have pointed to each other as the reason the funds have not been returned to her and we were unable to come to a resolution. 

Ms. XXXX has kept prodigious notes which I have reviewed and I defer to Ms. XXXX notes for additional detail regarding specific dates and times we met with both banks. 

For any additional information, please feel free to contact me at XXXX. 

Thank you, 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 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am currently dealing with a dispute with discover. I filed a dispute with them on XX/XX/XXXX and froze my card. I was advised that my credit card would not be charged again by the gym, but it was charged again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-08-09 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
in XX/XX/XXXX I bought a car and XX/XX/XXXX it was taking from me

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 2018-08-09 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Early Warning Is Blocking me From Opening Up Checking Accounts With XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this Early Warning Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My Early Warning Consumer Report. a Police Report and Identity Report from FTC Was send And Early Warning Denied the Information and al the Disputes where denied ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One Credit card, which I've always paid in full each month for years, never missing a single payment. Last month I missed paying it off in full by 2 days and the payment ( paid online ) took another 1-2 days to post. I was charged both a late fee ( {$25.00} ) and interest charges ( {$86.00} ). They initially waived the {$25.00} late fee and reversed {$50.00} dollars in interest charges. The following month, despite paying my entire balance in-full again and on time, I was charged another {$77.00} in interest. 

They refused to waive any additional charges indicating I was charged interest because I missed paying my balance off in full the previous month. Bear in mind, no one explained there would be additional charges, when I called last month. Furious, I immediately requested that they close out my account. 

I have {$44.00} dollars in rewards that I have not posted back to my account. 

Unless fees are waived in-full, I will never again due business with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service, Inc.
State: AR

Complaint narrative:
Collection Service Incorporated claims to have sent an itemized state obligating me to a debt they say I owe. Unfortunately, HIPAA regulations in the United States prevent any medical documentation to be shared. I am requesting that Collection Service Incorporated provide the following since they have failed to do so.

Debt validation in the form of an original bill and detailed statement of procedures is required.

Debt Validation should be received no later than 30 days from receipt of this request.

If First Collection Service Incorporated can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. 
I request all further correspondence regarding this debt collection to be sent via mail. Do not contact me by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Having a balance of XXXX on this payday loan, I had recurring charges of about {$30.00} scheduled to come out of my account. ( Debit first, then checking if the debit card declines ) I submitted an additional payment of {$70.00} to pay off the balance. The rep told me that after the {$30.00} recurring payment cleared that it would be paid in full. 
My loan agreement states that it should be withdrawn from the debit card first, checking account last. 

The rep agreed, noted, and informed me that {$30.00} would be withdrawn from the account, to clear the balance. 
The company processed an ACH debit payment instead of it being from my debit card so that it would accrue interest. 
I noticed a new bill of about {$50.00} and I called to find out why. 
The rep explained that it was processed through my checking account. And that it did not clear due to insufficient funds. 
I explained that the withdraw was supposed to be done through the debit card. We went back and forth debating our points to which She stated that her supervisor would clear all of the interest on the account after the payment if {$30.00} was processed! At the end of the call the rep made it VERY CLEAR that all I needed to do was call in after the payment of {$30.00} cleared yet again, and the remaining balance ( interest ) would be removed via the supervisor. 
The following day {$50.00} was withdrawn from the account. 
Customer service rep stated she could see the notes from the previous representative that I spoke with about the {$30.00} payment being processed and the interest being removed and that she was going to get a supervisor. I got transferred to customer relations who informed me that they processed a payment for {$50.00} even after I spoke with the customer representative from the previous day. But that they could not see the notations from the customer service department. 
No refund was issued. 
The company processed a different payment than what was authorized.

Company response to consumer: Closed with monetary relief