vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 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: CITIBANK, N.A.
State: VA

Complaint narrative:
This account has been disputed several times to XXXX, XXXX, and CITI-CARDS and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and XXXX   is also reporting identical data. 
CITI BANK NA sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from CITICARDS CBNA ; a similar affidavit was mailed to XXXX   with a notary of the public page completed in blue ink. Both XXXX and XXXX failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and  Proof-of-Verification. The credit bureaus ( XXXX XXXX and XXXX ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX XXXX XXXX ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to CITI-CARDS to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for CITI to notify me of their refusal to comply, nothing was sent to me by CITI indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by CITI and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, CITI has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. XXXX  and XXXX have been notified to block this account under FCRA Section 605B.

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 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I have requested the following -- all of which they have refused to supply : " What the money you say I owed is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
According to the creditor the account has expired. Attached is the amount for the that is owed. XX/XX/XXXX to XX/XX/XXXX. {$1300.00}

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 2018-06-02 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: Innovis
State: CA

Complaint narrative:
Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX  notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX  XXXX and this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018, I was paying some bills including two of my Bank of Americas. I noticed on the site that only three of them were present, so I immediately called them to see what happened and they told me all six of my accounts were closed. A few weeks before I payed off some of them by doing a balance transfer. Most now have a XXXX  balance. They couldn't give me any information but mentioned a certain department to contact. The Specialties account review unit. All of my accounts are in good standing I've never had any late payments. In the past, I've had to complain about customer service. I told them I've been with a company to work on my credit score.

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 2018-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX XXXX and this account does 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 non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX and previous state of residence, XXXX is six years. I have requested not to be contacted and the collection agency continues to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: AL

Complaint narrative:
I sent a letter to Equifax requesting them to please validate both bankruptcy information with XXXX. I received a response dated XX/XX/18 in which they show that this information was validated with XXXX. 
This is a blatant lie as XXXX has removed these bankruptcies from their files due to not being able to validate it. 

This is considered defamation, Negligent Enhancement of Identity Fraud and a Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
The XXXX XXXX Credit Card charged unfairly a late fee, because I made the payment after the cut off time on the due date. The due date was XXXX, and I paid on XXXX in the evening after I got to sit after home chores and work. I called them, and they stated that because I made the payment after the cut off time I accrued the {$23.00} late fee. ( BIN 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 monetary relief
Consumer complaint received 2018-06-02 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: IL

Complaint narrative:
On the day of XX/XX/XXXX i notice a bankruptcy was placed on my credit report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX as a result from when i went to speak with an attorney considering filiing, However, i didn't retain the attorney nore did i follow through with the bankruptcy, upon noticing this i reached out to XXXX, Equifax and XXXX  between XX/XX/XXXX-XX/XX/XXXX i was notified of the removal after there investigation, shortly after Equifqx said that information was veriied. I than reached out to XXXX XXXX XXXX Clerk of Court in response of the verfiy procedures with credit reporting agencies and there respond was that the court do Not perform any activities with the credit bureaus. I have never filied Chp XXXX or Chp XXXX i only inquired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I asked for a loan modification after finding out I could and was informed that because the sale of my property was less than 7 days out I could do a application but it would not be reviewed. The company never called or sent me any information on doing a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: FL

Complaint narrative:
there is an incorrect mention in my credit report with Experian experian has been notified FIVE TIMES with PROOF that the item is fraudulent. 

experian has received the proof, including police reports, identify of the perpetrator of the fraud, proof of the fraud. 

experian has REFUSED to remove the mention. the mention is XXXX XXXX XXXX called today XX/XX/2018 and EXPERIAN in a recorded call has 1 ) acknowledged receipt of the FIVE times proof was sent, 2 ) admitted that it wont fix the fraud

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 2018-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/2018 I am the cosigner on the loan. I am on Social Security and can't make the payments. My daughter has try to work with them to lower payments and they say she doesn't qualify. They are threatening to put a lien on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC.
State: NJ

Complaint narrative:
I have been trying to reach Abr recovery services by phone and e-mail seems to me this company has block all access for me to send copies of the faxes and the letter, that was sent on XX/XX/XXXX,XX/XX/XXXX and three other times that they were contact, another form of harassment. I can be reach @ XXXX XXXX, XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have an account with Pay Pal. They have frozen me from viewing my account due to a disputed charge.They have refused to resolve the dispute and have informed that I would have to pay to get access. 

I have made multiple attempts to do as they ask and they are not responding. I have messaged customer service and called multiple times and have been placed on hold for hours and disconnected. 

They are also not sending me statements and are continuing to draft payments from my bank account. I have no idea if payments are being posted, how they are being posted or what activity is going on on my account. I had promotional interest free purchases that I have not been allowed to review and pay there by incurring interest. 

I believe it is unfair that I am not allowed to view my account or receive statements

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 2018-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
while applying for a credit card from bank of America, the girl i was talking to did not ask me for the routing number of my checking account. when i made a payment by phone of XXXX my bank would not accept the payment. after calling bank of America again and giving them my bank routing number and also my checking account number, i made a payment of XXXX i have my bank statement showing that XXXX was withdrawn from my checking account on XX/XX/18.the bank of America cash rewards credit card company keeps charging me the XXXX on my statement that is due on XX/XX/18. i spoke to a company rep. on XX/XX/18 who told me this problem was taken care of and the bill was paid. i can prove that the bill was paid and would like to have the credit card company stop sending me this bill.

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XX/XX/2017 payment to Capital One was not able to be made due to the online system being unavailable. Aprox 24 hours before the payment date I attempted to login into the online system where I was going to pay my bill from and received the message that the system was temporarily unavailable to login and received the same message the day after. I called capital One to make one of the representatives aware of the situation but they seemed very unhelpful and I was finally able to pay my bill on the telephone and they told me they were making note of the fact about the login problem but never had any correspondence of any kind back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My chase account went negative and as soon as I saw it, I deposited the needed amount to cover the fees. But the cash deposit didn't post until the next day, I fot charged over {$90.00}!!! In fees! Now I'm at over {$120.00} negative! Even though I paid the negative balance the same day it went negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
The Collection Firm of Franklin Collection Services Inc contacted me in writing that I owed XXXX for services that I did not receive. I therefore, send a letter asking for proof of service from XXXX and to show in detail what the service was for, address of service, type of service and dates of said service that they alleged that I had with a break down of monies that totaled the amount of debt. 



As a result of that communication ; Franklin Collection Service, sent me a letter with my name, masked SS #, my current address. The letter went on to provide very vague info, stating XXXX was the original debt with a address for XXXX and dollar amount of {$36.00} I contacted Franklin Collection Services and the agent stated that I owed the monies for internet services and that the debt was legitimate. I proceeded that they needed to provide me with proof and detailed break down of what the {$36.00} was for The agent at Franklin Collections call me a son of a XXXX and hung up the phone on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: OK

Complaint narrative:
I've been trying for almost 4 years to make Experian remove multiple accounts dating back to XX/XX/XXXXthat were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with EXPERIAN AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX  AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX  AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM PRIME MORTAGE ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT EXPERIAN HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED EXPERIAN AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND EXPERIAN IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT EXPERIAN DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH EXPERIAN AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.

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 2018-06-02 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: FL

Complaint narrative:
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. Transunion, XXXX  and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: MA

Complaint narrative:
- I was going through my credit report and noticed that an account ( XXXX XXXX XXXX  Act. # XXXX ) that I closed, it's reporting that I was market on my credit report as I was late from 30-120 days. I made the payment on-time as required by the company but never received the bill that I was paste due. Than you!

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