vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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: WV

Complaint narrative:
XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX XXXX XXXX COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.

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 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
I have been in count with Direct Recovery about a credit card debt inwhich I am unable to make payments without a job and looking for work. In explaining this to the representative this morning on XX/XX/20 at XXXX : he goes on to tell me how shameful I am for being out of work for this long, and then hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
I had an issue with this company beginning in XX/XX/XXXX. I used my card to purchase something online. I then received a bill with an unauthorized charge on it. I called the company and disputed the charge. They stated that they would have to issue a new card. I got the new card and then used it in XXXX to reserve a hotel. I immediately realized on my next statement that there were yet again unauthorized charges on my card. So I called and disputed them, they once again stated they would have to issue a new card. I at that point fearing for my protection as far as my identity and credit was concerned. Told them not to send a new card that I wanted to close the account. The man agreed and said that he would process my request. 
I have continued to make my monthly payments as I always have. I usually make them online. When my XXXX statement came out I made my payment on XX/XX/XXXX using the online forum. As I have many times. My payment was for {$58.00} which was more than my minimum due of {$44.00}. I received online confirmation and the site stated that my payment was received and processed. ( I have attached this statement ) I then received my bill statement that reflected XXXX with a due date of XX/XX/XXXX. Everything looked fine the previous payment was reflected and there was no late payment or issues reported. ( I have attached this statement ). 
Then yesterday XX/XX/XXXX. I received a letter stating that I had not made my payment in on XX/XX/XXXX and that I was past due in the amount of {$86.00}. And to send this payment immediately to avoid revocation of my credit card privileges. ( I have attached this letter. ) This account was closed by me. Which would stand to question how they intend to revoke my privileges. I immediately went online and checked my account and it showed that I made the payment before mentioned. Then below stated that it was reversed. I was not reversed by me. 
I then used the over the phone method and immediately paid the {$86.00} stated in the letter. that I have attached here. 
I feel that this company is internally screwing with peoples accounts and allowing these issues to happen to charge extra fees and harass their customers. I never had a problem with my payments showing up when I made them or not being applied until after I requested my account be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
AMCOL Systems ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. And previouslyy agreed already to remove it and have not. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
I had to file bankruptcy and the mortgage company did not want to give me reaffirmation on my loan. I finally received one but I have had several problems since then. I have been threatened with foreclosure even though my mortgage is current and the company was told by attorneys they could not file foreclosure if the payments were current. I have had payments returned stating I do not have a mortgage with them. I am no longer receiving statements showing my balance. i tried to set up direct pay with my bank and i was told on 3 different occasions this bank does not use routing numbers which I know to be untrue. I have difficulty getting a straight answer from them and do not know where my payments are being applied

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 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of Defense XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of Defense XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee Foreign For Profit Corporation and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of Defense allow others to impersonate a XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my XXXX XXXX I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX has been charging me for phone services, i once had XXXX in 2015 but i had my account on hold because i was XXXX, my identity was stolen when i left for XXXX now they are saying i owe XXXX. I just want this debt erased under the SERVICE MEMBERS CIVIL RELIEF ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Diversified Adjustment Service, Inc.
State: OK

Complaint narrative:
Diversified Adjustment Services has an open account on my credit report which I challenged with XXXX XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a citi visa Costco card to get the benefits ( 2 % refund and extended warranty on appliances ) in XX/XX/XXXX. Since opening the account I had issues. I signed up for auto pay and it didn't register the correct bank account ( I never had this issue prior ) so after my first payment did not go through I signed in and updated my bank account. During the next billing their system again went to the incorrect bank account number. I had to make the payment manually to avoid missing a payment. I called customer service and asked them to delete all back accounts and manually add the correct bank account number. 

My next billing cycle I was billed less than the full amount that was due and I was charged interest. I called to understand why only partial amount showed up as sure they didn't have an explanation and just refunded the interest charge. 
Now I just log in and manually make a payment before the due date because I don't think their system will accurately debit the full amount due. 

I brought this up to the company but nothing was meaningfully done. 

When I log in to view what is due and go to set up an early payment, I end up seeing two amounts, one on the main page and another as full amount due on the manual payment page. The payment set up page shows the full balance not just what is due from the previous billing cycle.

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 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
I was XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX XXXX, explained my situation and to cancel the account. It looks like that did not happen. I have a a collection for {$1200.00} from Online Information Services about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to Equifax credit bureau XX/XX/2019, notifying the credit bureau about an error in how an account is being reported. I've tried pleading to them to right their wrong multiple times. Equifax couldn't care less about errors in a customer 's credit report, and refuses to investigate my claim. They avoid investigation of my claims by telling me that they " weren't able to locate my credit file and need additional information to verify my identity '', I mailed the same documents they asked me for, to them three times. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting I owe thdm {$2800.00} on my credit reports this is my last attempt for them to take this off my credit reports before I sue them and the agency 's reporting this account on my credit reports never made these chargrs not mine

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX interest due if not paid in full. Interest was {$750.00}. I was told specifically several times upon calling there was none until XX/XX/XXXX due. I paid that 2 days ago. Who would leave am older same amount owed to let one axrue interest?? Then the lady called & talked down & degrading to me for having lost my job??!! I've been an on time fantastic customer for over a decade! Then she accuses me if threatening her & hangs up on me! They wrongfully charged me the {$750.00} interest & spoke down degrading to me. So 4 things : I was lied to, they set up on online account in my name so I would stop receiving bills in the mail ; they purposely made the {$750.00} interest charge ; they spoke down degrading to me. It is CareCredit. I see you already have had a case with them.

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 2020-01-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
I have requested my mortgage payoff 5 times from XX/XX/XXXX to XX/XX/XXXX and the company is refusing to send to me via fax or email. They state they will only mail it, they do not produce a tracking number, and i have not received my mortgage payoff mandated to be sent to me by law within 7 days of request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: LA

Complaint narrative:
XXXX XXXX, is suing me for a truck that I wouldn't take from the dealer due to being wrong vehicle. Never took truck and Dealer wouldn't give me right truck, wrote up wrong vehicle. The Dealer wouldn't make it right and I told XXXX XXXX not to pay for vehicle. 
Told them the story, but they paid dealer anyway knowing I didn't have it and For some reason, they reported me being paid on time in XX/XX/XXXXand XX/XX/XXXX, but payment according to XXXX XXXX wasn't due until XX/XX/XXXX. so for 2 months they reported me being paid on time which I never paid a dime and then they said they repo 'd truck from XXXX XXXX , la . with 0 miles on truck.. Now I'm being sued. In XX/XX/XXXX I purchased a truck from another dealer and I was under the impression that XXXX XXXX was the one financing truck, But found out after I signed contract, that XXXX XXXX is. Now, XXXX and XXXX   has deleted That XXXX XXXX report but Experian will not They say it is accurate. 
How is this even possible? I have plenty of documents to show everything that transpired. Not to mention that XXXX XXXX lowered the note on the XX/XX/XXXX truck 3 times on their own accord. There never was insurance on vehicle, was repo 'd from another city and never paid a dime but being reported paid 2 times in XX/XX/XXXX, now being sued, but they finance me a new truck in XX/XX/XXXX. Really?? Have plenty documents to counter XXXX XXXX  and experian

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2020 I filled out an application for a Amazon Prime card provided by Chase. During the application process, I was declined due to an all encompassing policy that Chase has, which states that any person who has opened 5 accounts within 24 months is denied their application, no matter their credit worthiness.

Unfortunately, this was not disclosed prior to applying for the card. As I was aware that I had opened more than 5 accounts within 24 months, I either would have waited until that was no longer true or I would have chosen not to apply. 

Now, I have a hard credit pull which negatively impacts my credit score, ongoing credit worthiness and ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: NY

Complaint narrative:
I received a letter from Allied International Credit Corp. dated XX/XX/2020, stating that they are " a debt collector '' attempting to " collect a debt. '' They list the creditor as XXXX  and cite an Account Number XXXX******, Reference Number XXXX. The amount they claim owed is {$780.00}. 

I have accessed my XXXX  account and have ascertained that my account balance is XXXX ( {$000.00} ). I can find nothing suggesting that I am indebted to XXXX  at this time, and in fact have not purchased anything through XXXX  for several weeks. 

The company lists its address as XXXX XXXX XXXX, XXXX XXXX, XXXX, VA. XXXX. Telephone # XXXX. ( They furthermore provide an address at Department # XXXX, XXXX XXXX XXXX, XXXX PA. XXXX. I am not sure why the Pennsylvania address is pertinent, for they indicate that I should send my check to the former address. ) In addition, the letter states that I should contact " XXXX XXXX '' to discuss payment options. Phone # is as above. 

A XXXX search indicates that many people have received similar letters from this company. The letters seek payment in varied amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express decided to close my account due to a dispute I put in there was a large amount of {$220.00} pending in my transaction I had no knowledge of the charge thats the reason for my dispute they canceled out my old debt card and sent me a new card number and insured everything is good to wait 10 business days for the investigation they let 10 days go by I called them XX/XX/XXXX I was told to wait Monday a extra business day Im in a very emotional stated of mind due to how I was being treated they sent me a email yesterday declined the dispute also closed my account I also found out from someone in my household they used my card with out my permission they apologize and agreed to work it out I am legally XXXX I have documents to prove i need someone around to assist me living daily activities, I called several time and got rudely unprofessional customer service behavior I explained the situation that was told to me from someone who was assisting me that lived with me. I was sent a email saying I violated terms I dont understand I havent committed a crime or any fraudulent activity I had no knowledge about the transaction. I had money inside my account they closed i have a XXXX XXXX  XXXX  child who is due for his medication this coming Thursday the medication is to prevent him from having XXXX without his medication he can got in a episode. Also I have plane tickets for next week along with hotel stays I was supposed to be traveling to Florida for my grandfathers funeral due to the situation it looks like I wont be there my direct deposit is scheduled to come this week from Social Security in the next two days it will not have access this companys behavior is harsh inconsiderate and rude I explain my whole situation to them and what happened also wrote a letter because the customer service representative stated that thats the only way my account will be opened up and then I called back again she said they will not open it is permanently terminated Now every time that I do call I get hung up they act like the call has dropped so I stop calling

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 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: OK

Complaint narrative:
XXXX XXXX XXXX has an open account on my credit report which I challenged with XXXX  XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.

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