vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to XXXX  and Experian that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of 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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax report there is two late payments from XXXX XXXX XXXX XXXX showing up..I have never missed a car payment and believe there was some confusion when my insurance and Gap insurance paid off my car..I spoke to the bank about this issue and was told to contact Equifax about fixing the problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.

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 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have a a unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had fraud on my acc. I did a dispute with bank of america. They where puttin gas for 4 days over XXXX dollars. The bank send me a letter saying that my dispute was denied. I call them they told me someone call me and i say it was authorized. I told them that no one call me. I asked them for info. For them to give me the info where this gas station where located for me to do a police report. They did not wanted to give me info. So know they reverce the charge. XXXX dollars. And they froze my other acc. With money in it. I need help

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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is purposefully changing my credit report, which I will attach. This is illegay and nefarious and they should be fined.

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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I am current disputing a debt with XXXX. While i have disputed this debt it has been referred to 2 collection agencies. I have requested verification of the debt from both collection agencies and not received any verification. Two executives have acknowledged my dispute with the money owed, but there is no indication that they are investigating this matter. 

I have filed a complaint with the XXXX of Massachusetts. They have acknowledged the dispute but they have not investigated my complaint. 

Basically last winter i called to quit XXXX. The retention specialist offered me a new discounted plan with extra channels that was supposed to cost less. My account was changed while i was on the phone. The retention specialist failed to tell me that a regional sports fee would be added to my account as well. 

XXXX : XXXX This link is from Massachusetts Cable TV Regulations 10.02 : Services, Rates and Charges Notice ( 1 ) The cable television operator shall give notice of its services, rates and charges to potential subscribers before a subscription agreement is reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Checking or savings account Issue : Managing an account Chase responded to me on the above complaint. I was promised a check of the full amount to the checking account that Chase froze. I received only a letter that Chase was looking into the matter. 

This has been many months and still no resolution. 

The effect of this refusal of sending me the money in my bank account has caused a great hardship. 
The full effect of this is that funds from another account have been taken because of no resolution of this Chase matter. I can no long pay utilities, car payment, food, and daily living. 

This has been many months of refusal of the funds XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: FL

Complaint narrative:
I have decided to go through my retail contract and it seems that I am paying too much for my vehicle. My interest rate is 13.45 % and my finance charge is {$12000.00} over 72 months and amount financed is {$25000.00} with {$0.00} down with a monthly payment of {$530.00}. Now at the time when I financed the vehicle, my credit score was XXXX. Im not sure why my rate is so high and why my finance charge is through the roof. Every time I make a payment it doesnt seem to put a dent in my over all balance. How is it that I purchased the car XXXX/XXXX/XXXX for {$25000.00} and still owe {$25000.00} as of XXXX/XXXX/XXXX. I am beginning to feel like I am a victim of credit manipulation and now my credit is suffering because the payments are not being applied accordingly. I would like to have my contract evaluated because the numbers do not add up. And furthermore, there is a warranty on my contract that was never discussed with me and I never agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: TX

Complaint narrative:
I had an opened a account with JC Penny which is backed by XXXX XXXX. When I opened the account they credit limit was XXXX, my credit limit was lowered to XXXX they impacted my credit. My credit limit was lowered to XXXX that impacted my credit, now they have closed the account which has impacted my credit again. I received a credit alert that my credit had been affected by account closure. XXXX XXXXclosed my account without my knowledge.I have had an issued with this bank from day one. I paid the account off.I had n't used the account because I was in the process of purchasing my home and was told to pay the account off and not used the card. 

My account has always been paid on time and never late.

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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 non-monetary relief
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
One of the addresses listed under " associated addresses '' is incorrect. I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I sent an email requesting a change but did not receive a reply. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
on or around last month i mailed experian the letter from XXXX XXXX XXXX  regarding a paided collection on my file acct. number XXXX ... ..the letter stated from the company stated paided in full. to this day it has not been updated and removed from my file.. also account XXXX from XXXX is not updated as in balance and last payment ..and also incorrect as far as late payments..no late should be listed..

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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two collection accounts which are unfairly reporting on EXPERIAN, XXXX AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the 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 non-monetary relief
Consumer complaint received 2017-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My profile had been used at Bank of America by a family member without my knowledge to perform transactions in a prohibited manners-un-authorised check deposits/withdrawal for about 3 times. 

The accounts had since been closed by the bank but my SSN, names and other details listed on early warning are INACCURATE ; I had logged a dispute with early warning and had requested bank of america to thoroughly investigate the transactions to no avail. 

pls i need your assistance in clearing my names and details from the inaccurate listing.

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 2017-11-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
Bayview Loan provided a response to a complaint filed with Cfpb which contained inaccurate information : Stated Debt Validation was provided, but only provided THE EXACT SAME, original debt letter with a different date. Bayview then proceeded to immediately collect on the debt and provide Cfpb with a letter stating they addressed the issue. I have provided both letters, originally dated XX/XX/2017, and response to my request for validation, XX/XX/2017. You will notice both letters are the same. 

Bayview Loan failed to credit two payments as the date received, instead of misrepresenting the received date. I am providing proof of receipt of both XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much. 

Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.

Company response to consumer: Closed with explanation