vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 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: MS

Complaint narrative:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2019, at XXXX XXXX  I was contacted at my place of work by a representative of American Express debt collection named XXXX XXXX. I was previously contacted by another representative of American Express in the months of XXXX, XXXX and XX/XX/2019 repeatedly during work hours of XXXX. I have asked them to stop calling me at work, and they threaten to continue. My place of work prohibits any personal phone calls of any nature, and I have never provided my work phone number, employers name or address, at any time, to American Express or any of its representatives strictly because my employment would be in jeopardy to receive personal phone calls, even if they are bill collectors. I alternatively provided my home and cell numbers to American Express, yet they repeatedly call me at my employer 's offices threatening me. I have been warned that I will lose my job if the phone calls persist. American Express continues to ignore my request for them to stop calling my employer 's phone number. XXXX XXXX said he would continue to call me at work until the debt is paid, and that is abusive and harassment. Please contact American Express and ask them to stop harassing me. I would like for American Express to stop all phone calls and put their debt collection requests in writing. They are calling me 3-5 times per day, Monday through Saturday ; this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX Citi Thank You Preferred XXXX. XXXX XXXX XXXX, KY XXXX Citibank XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX : Citi Thank You Preferred XXXX XXXX To whom it may concern : I just spent an hour on the phone with Citi agents, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I was informed that my Citi account was two months past due. Surprised, since my husband and I pay all of our bills in full and on time. 

I was told on XX/XX/XXXX, my account was registered online from my current email at XXXX. Yet, the two unpaid e-statements were sent to XXXX, an email account that has not been used in at least 7 years. That address was apparently provided to Citi in XXXX. I dispute the charges by Citi as deceptive and fraudulent. 

I offered to pay the statement in full, less the two late fees and interest that total {$81.00}, and was told once I made a current payment, they would request to waive one of the late fees. I dispute the two late fees and interest charges that total {$81.00}. I have enclosed payment in full, less those charges, in the amount of {$930.00}. I have requested that my account be closed. 

I never registered online for e-statements. 
Citi claims that e-statements were registered from my current email address. 
A search of my current email address has no record of any communication with Citi. 
Citi sent the e-statements to an email address that has not been used in at least 7 years. ( Why would Citi accept a request for e-statements from one email address, yet, choose to send e-statements to an address that dates back to XXXX? ) I confirmed, that prior to the e-statements being sent to the defunct email address, we have never been late in the past year. 
My husband and I do not receive e-statements on ANY of our accounts and would not have elected to receive e-statements from Citi. 




I have also been informed by XXXX that I have XXXX. Please redeem those thank you points and send me a check at my home address at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. 

I am formally filing a complaint regarding the practices of Citi with regard to e-statements and collection. I request a direct response from Citi regarding its practices. 

Sincerely, XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Office of the Comptroller of the Currency Federal Trade Commission Division of Credit Practices XXXX XXXX, Michigan State Attorney General

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 2019-11-12 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: TX

Complaint narrative:
More than twenty ( 20 ) years ago, the Veterans Administration determined my XXXX to be XXXX and XXXX, XXXX XXXX   connected to my military XXXX XXXX experience. My purpose in contacting you is to object in the strongest possible terms the deceptive business practices of Experian that damage and harm all XXXX XXXX Veterans nationwide no matter where they are located. 

On one of the many screens displayed on Experians website, there is a simple fill-in the blanks form that calculates the all important debt-to-income ratios. While the form allows input for total debt, it does not allow a XXXX Veteran to enter tax free income. Instead, Experian calculations include a deduction for income taxes that are not due or paid, causing the Veterans personal income to be calculated as much as 30 % less than it actually is. The inaccurate ratio information causes a rippling negative affect throughout the Veterans entire personal credit file and ends with an undeserving lower credit score.  And my own Experian FICO Score is a typical example. This results in a diminished quality of life with unneeded stress and concern by those who dont deserve it at all. This injustice against XXXX Veterans by Experian must end. 

For example, my Experian credit file is extensive and covers 10 to 18 years of credit history. In my dozens of pages with financial accounts of every description, there is not a single derogatory comment and not a single late payment. My home mortgage account shows a twenty ( 20 ) year payment history which Experian describes as Exceptional. Other than my {$1300.00} monthly mortgage, I do not have any other debt against my {$4800.00} tax free monthly income. In fact, Experian describes ALL of my current debts to have an " Exceptional '' payment history. 

My long term relationship with XXXX and their credit cards provides access to my current XXXX  FICO Score through their excellent website. As of this date, my current XXXX FICO Score is XXXX. The President of my bank told me he never met anyone with a FICO Score above 800. 

Yet my current Experian FICO Score is XXXX based on the exact same credit file as XXXX. 

No credit bureau except Experian claims a derogatory Exceptional Installment Debt in the amount of {$120000.00} which is my first lien home mortgage. This is a custom home built for me in the beautiful XXXX  XXXX where I live. 
According to Experian, I am financially unqualified for the home mortgage Experian reports as Exceptional payment history for the last twenty ( 20 ) years - and I do not even qualify to rent a decent place to live. 

How stupid is that?

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 2019-11-12 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: CO

Complaint narrative:
There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts

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 2019-11-12 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and around XX/XX/2019 my GM Financial auto loan was reporting the wrong amount owed to XXXX  as well XXXX  therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX  and XXXX has deleted my account completely affecting my credit score and report. I have contacted GM Financial in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from GM Financial told me that my account should be reporting to all 3 major XXXX, XXXX  and XXXX  correctly after XX/XX/2019. I know that XXXX  and XXXX  has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, i opened as account with paypal smart connect credit card online in 2011 and since that they were charging me security fee depend on balance every XXXX $ their fee was XXXX $ and eastimate last 8 year they were charges me more than 5000 . That fees without my permission and never signed any aplication About car security fee and never received any letter about them 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 monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
The SCA Collections has been hoarding and replacing collections into my accounts the past several years. The amounts are {$3900.00}, {$72.00}, and {$2100.00}. I have been going through a financial crisis, and they refuse to show me where all these amounts add up.

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 2019-11-12 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: CO

Complaint narrative:
There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I was a victim of identity theft. I started receiving notices in the mail that I was delinquent to a {$15000.00} loan through Avant that I did not take out. I contacted the loan company on XX/XX/XXXX at XXXX to report the fraud and the loan that was not in my name. I obtained a credit report which had an unknown address listed and gave Avant the information. I was told to consider the matter closed and that Avant would contact their fraud department to handle it. I called Avant back on XX/XX/XXXX to inquire about the status of the investigation/loan and was told that the fraud department was not notified. I was also told that the fraud department can only be reached via email and can not be called. On XX/XX/XXXX I received an affidavit from the fraud department. I responded to the fraud department 's email with the affidavit on XXXX, only to get no response. I contacted them via email on XX/XX/XXXX and on XX/XX/XXXX asking if they received the affidavit but with no response. I then called Avant to notify the customer service of the issue, and it was only then the fraud department contacted me via email. I was told that my credit score would not be affected, but it was dropped 200 points after the fact I froze my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to dispute a billing error on my account. On XX/XX/19 I  logged online to set up payments for the amount that was owed on the account, which at the time was {$110.00}. I set up to pay {$40.00} on XX/XX/19 and then {$76.00} to pay on XX/XX/19. The website would not allow me to pay any more than what was due on the account. 
Apparently during the time I made those payments, another {$1.00} of interest was added to my account which I was unaware of. The postal facility that processes our Mail in XXXX XXXX was closed on XX/XX/2019 due to a roof collapse due to Tropical Storm Imelda. This delayed processing of all mail for my home and it must have caused the letter stating that I owed {$1.00} to be rerouted as I never received a bill for that amount. 
Since I was not aware that I owed the {$1.00}, I did not make any payment after XX/XX/XXXX, which apparently caused my account to go 30 days past due, however, I was never contacted about this. I was not charged a late fee, however, Kohls did report to the credit agencies that I was over 30 days late. I called the 1-800 number to try to explain my situation, however, I can not get ahold of anyone who seems to understand the issue. 
I am writing to ask you to please remove the 30 days late delinquent account from the credit reporting agencies in a show of good faith, as it is clear that I thought that I had taken care of the obligation that was owed and I was never informed of the {$1.00} that was added to my account. 
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My debt consolidation company XXXX XXXX XXXX settled an account for me, completed in XX/XX/XXXX. In XX/XX/XXXX I found a new derogatory account on XXXX  listed on my credit report. The account is listed as being acquired XX/XX/XXXX. There are no identifying names to identify who the original account was with, but that this was a debt collection agency called Portfolio Recovery Associates XXXX, XXXX ; ( XXXX ) XXXX. Because I had no idea who they were reporting that I owed {$1400.00} to I was forced to call them. Portfolio recovery Associates said they were collecting on my XXXX account ( settled and resolved in full in XX/XX/XXXX ) and told me that my debt consolidation company XXXX XXXX XXXX was trying to contact them to settle the {$1400.00} and that they weren't going to settle. I informed them they were incorrect, they proceeded with nasty rude unprofessional comments so I ended the call. XXXX XXXX XXXX confirmed that the statement was false, XXXX was NOT contacting anyone about any accounts from Portfolio recovery Associates and that the XXXX account was indeed settled and resolved. 
Portfolio recovery Associates have not responded to my emails disputing the {$1400.00} amount wherein I provided, both screenshot and pdf format, the settlement statement from XXXX to XXXX settling the account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When I opened the account I was new in the Main Land and I opened an account at Wells Fargo. Initially I only wanted to open one account for my daughter which was a Teen account so that when I'm in Hawaii her father can make transfer into her account. Then I was also force to opening another account just for myself even though I only wanted to go there for my daughter 's account. I notice I started getting charge monthly service fee and overdraft fees which I was not informed during the time when I opened the account. I spoke to a representative and I expressed that I wasn't told about the fee and they reverse it. Now it made it complicated for me since my daughter child has my account information not the teen account so it's preventing me from closing the account I didn't want in the first place. I want my overdraft and monthly service fee refunded but they are refusing to reverse it. I want to file a complaint because I shouldn't be charge for something I didn't want in the first placed.

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 2019-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Major issues with my Navient account, which has resulted in delayed, doubled, and missed payments on the account within the last 6 months. Inconsistent payments while enrolled in auto pay, with no notification of the agreed arrangement end date. I have called for various issues once every other week, with no consistent help : XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due date ( payment not late ) XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto payment not deducted for Federal loan ( through navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019 - Auto payment not deducted for Federal Loan ( through Navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto Payment not deducted for Private Loan ( through Navient ) Loan was sold for {$37000.00} with no approval or notice XX/XX/2019- Private loan increased by with no notification/ Federal loan auto pay charged twice. Called back to reverse payment ( fault of Navient ), and have not received refund as of XX/XX/XXXX.

I have had to file a forbearance to assist with the fluctuation of my account, and have requested to not be placed on auto pay, which I am unable to do if I want the lower payment rate.

I continue to be pushed around from customer service rep to rep and I am not receiving the proper customer care. The inconsistencies continue to not be resolved, with multiple errors to my account at the fault of customer service reps who are not processing my information correctly. It is difficult enough making these payments month to month, but when I am charged twice, or payments increased not to the fault of my own, Navient is blatantly taking advantage when they know there will be no consequences. Every month its a different problem and I can not keep calling every week to reverse mistakes that I have not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX apartment said that i owe XXXX and thats no way possible it was not that much even with the fees added to it so they need to delete this and check with the apartments i dont have any documents because i lost them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/19 at approximately XXXX XXXX. I sent XXXX {$20.00} for tickets for a concert. They said they had two tickets for {$20.00} each and I sent them {$20.00} through the XXXX and {$20.00} through paypal. After I sent, they blocked me on XXXX XXXX. I never received the tickets and I am not able to contact them. They sent me their " Driver 's License '', but I am afraid they have stolen some girl 's identity and are using a fake profile to sell fake tickets to consumers via XXXX.

Company response to consumer: Closed with explanation