vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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: AmeriCollect
State: MI

Complaint narrative:
I continue to dispute and this is my second complaint regarding XXXX, XXXX and Americollect. Americollect send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. Americollect is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from Americollect. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: MI

Complaint narrative:
I continue to dispute and this is my second complaint regarding XXXX, Experian and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$11000.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX Store card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1300.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit and they have increased a balance for interest which is beyond what I am able to pay.

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 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: SC

Complaint narrative:
I rec 'd a letter from XXXX XXXX XXXX  dated XX/XX/2018. In return I submitted a letter via fax on XX/XX/2018 and XX/XX/2018 ( attached is my confirmation ) the letter was also sent via snail mail on XX/XX/2018. The letter stated that I needed validation that they were authorized to collect such debt and the name of the company claiming I owe this debt. There was never a response to this letter. The letter also states that if the office report invalidated information to any of the 3 major credit bureaus that this action will constitute fraud under both Federal and State Laws and if any negative mark is found on any of my credit reports by their company that I won't hesitate to bring in legal action. They had 30 days to respond and here it is almost 60 days later, I am notified of a credit alert on my credit report with XXXX that XXXX XXXX XXXX added a collection to my report. This is FRAUD. This alleged collection needs to be REMOVED immediately from my credit report before further action is taken. I have also submitted this request to The XXXX and my states attorney generals office. Please send me an updated credit report, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
My name is XXXX XXXX and I am writing a complaint about Barclays XXXX   Rewards Card ending in XXXX.

OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX  was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX  arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX   continued to argue the point that they have a right, therefore, I hung up.

I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX and I as a consumer came to an agreement and account was paid and closed by me. Was told that account will be removed and it has not been 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 explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TriVerity, Inc.
State: IL

Complaint narrative:
XX/XX/2012 {$4000.00}, The company is trying to collect an OLD debt in which a VOLUNTARY repossession occurred. They would not allow me to Refinance which left me stuck paying on a car that has no function. I have XXXX small kids and I felt they tried to get over on me. They In turn tried to take the money out of a Bank account that I no longer have. This in turn is causing a lawsuit with that bank. I did not give them authorization to do that. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I wrote a letter to Chase XXXX service about an unapproved inquiry I found on my credit report. I stated that I NEVER applied for an Chase credit card nor do I own a Chase credit card and can they remove this inquiry off my report. Because clearly this is fraud.. Well received an response letter date on XX/XX/18 from a XXXX XXXX XXXX XXXX XXXX  XXXX stating that " after researching the request, we found that the inquiry was valid. This inquiry was part of the process to review the application you requested on XX/XX/XXXX '' Now, like I stated before I never applied for a Chase credit card but they have chosen to ignore the fact that my complaint stated that in the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO Harris Bank seems to have the practice of promising bonuses they have no intention to honor. In this case, they offer a small bonus [ {$50.00} ] for opening a savings account with them by XX/XX/XXXX.  I opened such account on XX/XX/XXXX, with {$1000.00} and have kept that money in the account to this day. Five months later, they haven't honored it yet I have received, though, XXXX CENTS in interest rate during this period of time. But, no bonus.

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received a call XX/XX/2018 at XXXX XXXX stating they were attorneys attempting to collect a debt and stated that I was on a time limit and if I did not act that I would be taken to court. I stated that I am unable to pay balance due to not working. They insisted I owed I requested they mail out information on debt. they stated they dont do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I filed bankruptcy and it was dischargedXX/XX/2015. Included in the discharge was XXXX XXXX XXXX. I explained to the debt collection department that I included this bill in the Bankruptcy and it was discharged. They claim that the service was reconnected after bankruptcy. I did not live in XXXX  after bankruptcy discharge, nor did I incur any electrical charge from XXXX. I was and still am paying for services in my home in XXXX - XXXX electric bill. Further they are listing me as an open credit from 3 months ago. All this information is false and I request that it be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: LEXISNEXIS
State: IL

Complaint narrative:
The plain and simple truth is that LexisNexis failed to respond in the 30 days per FCRA.In the initial complaint no matter the substance, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis research of the judgements on XXXX XXXX file, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not finding the bankruptcy, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not having enough information to authenticate her identity, LexisNexis failed to respond in the 30 days per FCRA. 
Not one of these factors are the fault of XXXX XXXX. LexisNexis failure does it relieve it from its obligations per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT HAVE SUBMITTED A POLICE REPORT, ALONG WITH MY ID, THE FCRA 605B REPORT, ADDRESS ID, CIRCLING THE FRAUDULENT ITEMS ON MY CREDIT REPORT ALONG WITH THE LATES CAUSED BY THOSE FRAUDULENT ITEMS, AND THE INQUIRIES ON MY REPORT THAT ARE FRAUDULENT TO BOTH XXXX AND EXPERIAN CREDIT BUREAUS ABOUT 5 TO 6 TIMES AND BOTH CREDIT BUREAUS REFUSED TO REMOVE CIRCLED ITEMS THAT ARE FRAUDULENT AS THE FCRA 605B STATES HAS TO BE REMOVED IN 4 BUSINESS DAYS BY LAW. FURTHERMORE AS I SAID I SENT THEM ALL ITEMS NEEDED INCLUDING MY CREDIT REPORT AND ABOVE ITEMS AS DIRECTED BY THE BUREAUS AND THEN SEND BACK FRIVIOUSLY LETTERS THAT THEY NEED MY ID AND SOCIAL SECURITY CARD ( COPY ) AGAIN WHEN I SENT IT THE FIRST TIME AND EVERY TIME. THEY HAVE COST ME CREDIT AND LOANS BY THERE INTENTIONAL DELAYS AND I AM GOING TO RETAIN A LAWYER AND SUE THEM IMMEDIATELY IF MY CREDIT REPORT ISNT CORRECTED NOW ...

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a call XX/XX/2018 at XXXX XXXX stating they were attorneys attempting to collect a debt and stated that I was on a time limit and if I did not act that I would be taken to court. I stated that I am unable to pay balance due to not working. They insisted I owed I requested they mail out information on debt. they stated they dont do 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 explanation
Consumer complaint received 2018-05-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
All three credit reporting agencies have listed a " charge off '' account from Navy Federal Credit Union. I contacted XXXX in regard to the dispute I filed with them only to receive they investigated and found this was my account. I do NOT dispute that. 

Problem : I keep getting letters and emails from NFCU and of just this week an email from a man to contact this such and such number with extension number. I call that number with the extension and all I get is an arrogant and rude person working in a collection call center. When I ask for this person they want my life history. Sorry, I am not giving them all this information so they can try and talk with me. I have written, called and have asked the credit reporting agencies to help me bring these people ( NFCU ) to the table to discuss this matter. I have offered in writing to NFCU a financial settlement, to no avail. 

Please help me here. My credit is being dragged down because of this banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: FL

Complaint narrative:
This problem is with my Equifax report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX of XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to Equifax and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and Equifax is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to Equifax and they must delete the fraudulent accounts in 5 buisness days, Equifax have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into Equifax and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... Equifax have done none of the following, the accounts are listed below ... also Equifax continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I received a promotional offer from Wells Fargo for a {$300.00} promotional credit on a business checking account, paid out if certain terms were met. There terms were : *Deposit {$1000.00} or more into the new business checking account by Day 10, and *Have a {$1000.00} minimum balance in the account on Day 60, and *Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credit and debits ) Checks paid Mobile deposits Wires ( credit and debits ) Wells Fargo Bill Pay or Direct Pay I applied and was approved for the account, in a Wells Fargo branch on XX/XX/XXXX. The personal banker even called Wells Fargo corporate to confirm the offer and apply my unique offer code. I met all of the criteria well within the timeline allowed. 

On XX/XX/XXXX, Wells Fargo customer service informed via direct message I would not receive the offer because the code was not applied to my account. I am outraged, ripped off, and fed up with their service. I demand to be compensated in the manner which was advertised.

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 2018-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found a collection account for medical on my credit report that I have never been to this urgent care. I completed a dispute on XX/XX/XXXX to all Credit Bureaus and XXXX XXXX and XXXX investigated and removed. I submitted to Equifax and have received more that 15 emails stating its resolved to check dispute. When I check Equifax the same message comes up their not able to handle my request. I submitted an email to their customer care on XX/XX/XXXXand received an email on XX/XX/XXXX stating Equifax was aware of the issue and sorry for the inconvenience and gave me the link to check the dispute. I replied and no response. I received more dispute complete emails and still unable to view the dispute and its still on my Equifax report. I then received and email on XX/XX/XXXX that my case was completed regarding the dispute error and nothing has been resolved. 
I was paying for Equifax service as well due to their Data Breach and this is the service we receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX  prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to Pennymac Loan Services sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. Pennymac is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.

Company response to consumer: Closed with non-monetary relief