vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After reporting Citi 's fraudulent late charge to the relevant credit bureaus, they vindictively locked my card and forced me to call in to regain access to my account. I believe this is yet another clearly intentional and vengeful act this company has perpetrated against me for reporting their felonious activities. The company is angry they've lost a customer and are trying to attack me to prevent me from spreading the word about their untrustworthy business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: AL

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX 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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have XXXX  XXXX  XXXX as my mortgage bank and they sold my mortgage to a shellpoint mortgage Services this company is claiming I im behind in my payments but they don't gave me any prove of the month I im missing every year XXXX XXXX XXXX rise my mortgage saying some kind of adjustment on my scrow that is why my mortgage payment when from XXXX to XXXX but they still claimed I behind this mortgage company is all ready sending me an amount of {$6000.00} I don't know that they are talking about but all ready talking about foreclosure I don't want to Loose my house because of this peoples lies and they all ready send me a a paper saying how much I will pay for every paper or any thing they do with this procese

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have written it all our and sent in a good format to the cc company Capital One. But, what happened is, I charged a reservation to the card on approx. XX/XX/19 for a XX/XX/19 reservation date. When I saw the charge on my stmt I didn't recognize it and there was no phone # to call the " XXXX '' charge. I called and asked C1 if they could tell me, they said no, you have to file a dispute and they will send the info in a few days. When I go it on approx. XX/XX/19, I freaked ... '' it was my charge '' and I wanted it. On XX/XX/19 I called C1 and they said they would " submit '' this to the fraud dept to correct. I called and emailed XXXX with the Res # that I wanted to keep the reservation, they said ok once you re-pay and I had C1 re-pay. Then on XX/XX/19 XXXX sent me an email and asked for a " letter from the cc company that I had withdrawn the dispute ''. I again called C1 who said they never have done that and don't have the abilities to do that but all should be fine as it was re-paid. I spoke with XXXX to inform them of this and they said ok. It was re-paid on XX/XX/19. Then 2 weeks later on XX/XX/19 I received a cancellation of the reservation by XXXX, who now had my money and as of this date the reservation date has not even come up, so it is not that I did not show up. Which is the only way they can state that I loose my money right? I was very stressed and alarmed and called C1 and told them all, they said they would remove the charge from my account but they had to send me a letter to request my documents in order to complete the credit. I took them two more phone calls from me and another 25 days to receive their letter with the instructions. On XX/XX/19 I faxed them 19 pages as I have all this proof and believing C1 would then re-cancel the payment. In the meantime I had to make another separate reservation costing me again but believing I would get a final credit. C1 called me today XX/XX/19 and said it is " AGAINST THEIR POLICY TO ENABLE A DISPUTE TWICE ... or was visa/master cards policy ... ( she wasn't sure just said that was their position ) ''. That, ( if even true is ridiculous ) any such policy was never told to me nor do I see any such " policy '' in any written terms. And for either of them to charge me for a " FUTURE '' RESERVATION DATE THAT THEY JUST TOOK MY MONEY THEN CANCELLED MUST BE ILLEGAL '' Or at least correctable at this point. I HOPE AND PRAY THIS CAN BE CORRECTED AS AN INVALID USEROUS AS WELL AS VERY UNHELPFUL ASSISTANCE BY BOTH COMPANIES AND THAT I CAN RECEIVE MY COST BACK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
XX/XX/2019/ $ XXXX insufficient credit history-suntrust bank/XXXX XXXX/ federal equal opportunity credit 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 explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: WI

Complaint narrative:
They are requesting {$25.00} for an office visit that never occurred. They sent me a statement of charges, but like I have said, she was not seen at the XXXX clinic that day. I explained if they requested chart notes they would see this. They refuse and say unless I pay they are reporting this to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX  # XXXX 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 2019-06-18 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: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX {$140.00}. XXXX XXXX. XXXX XXXX XXXX {$900.00}. PARAGON REVENUE GROUP ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX XXXX   THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been paying on my Chase credit card without fault since opening the account in XXXX. it has an APR of around 21 %, but was mostly at 19 or 20 %. I've called Chase regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$210.00} ), and 65 % of the monthly payment ( currently around {$140.00} ) is going toward interest! not 21 %, which is the actual APR. 

currently, I have a balance of around {$7600.00}, and with a minimum payment of {$210.00}, my most recent statement says it would take 23 years to pay off this account, and I would end up paying a total of around {$20000.00}. 

when I speak with Chase card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$7600.00} balance, paid at {$210.00} a month, with a 20 % APR, this shows an estimated payoff time of 53 months ( 4.5 years ), and with a total interest of {$3800.00}, so I would end up paying a total of around {$11000.00}, which is just under half the amount of what Chase says I would pay. 

I would like to be reimbursed for all of the years ( since XXXX ) that I have paid this astronomical apparently 65 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated. 

Interest per year I have paid to date : Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$24.00} Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$620.00} Total interest charged in XXXX {$590.00} Total interest charged in XXXX {$500.00} Total interest charged in XXXX {$1300.00} Total interest charged in XXXX {$680.00} Total interest charged through lifetime of account to date : {$3700.00} 45 % ( the 65 % APR I have been paying minus the 20 % APR that I signed up for ) of {$3700.00} is {$1700.00}. this is the approximate excess amount I have paid since XXXX. ( since the APR changed from 19 % to 21 % it would require further investigation to discover exact amount. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I was in collection with XXXX XXXX XXXX XXXX ( now know as XXXX XXXX ) in XXXX. This debt of XXXX was sent to the collection agency know as The Best Service company. When they called me to pay it in XXXX I paid the amount of XXXX on XX/XX/XXXX. Which is XXXX cents shorts of what they were suppose to tell me to pay. This is not my fault and I have a paid in full letter from the Best Service Company. How I found this out was I was refinancing my car loan in XXXX and they said I had a collection amount with XXXX XXXX still. I called XXXX XXXX and they said that there was XXXX cents still owed. They just credited the account at that time which still now shows I was in collections for four years. I called the Best Service Company who owned the debt and asked what went wrong. They admitted over the phone to me that they told me the wrong amount but still sent me a paid in full letter. I asked them to admit their wrongdoing on paper so I can dispute it and they wouldn't. I disputed this with each credit bureau and it doesn't look to me like they did it right. XXXX says last payment made on this account was XXXX of XXXX when they credited the XXXX cents. ( even though I paid this in XXXX ). Both companies were in the wrong because The best Service Company wont admit on paper that they were wrong and XXXX XXXX did not let me know that there was still a XXXX cents balanced. This means that I have looked delinquent to banks and other creditors for fours years over this XXXX cents that wasn't my fault. This is not fair to me and I do not know how to get this removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX # XXXX 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 2019-06-18 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 DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX-XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible  stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Diversified Consultants Inc. purposely reported to all 3 credit bureaus a negative debt of {$280.00}, as a collection. I have never been notified by the origin creditor XXXX XXXX or Diversified Consultants Inc. Reason being ... my account was paid in full when I switched service providers. I purchased a new home and neither company had my new address ... I never received any forwarded mail from either and Diversified Consultants Inc cant provide me with any returned mail they may have got ( and they didnt ) They only learned of my New Address when I wrote them Disputing the negative credit mark on my report. I sent them a certified letter on or around the XXXX of XX/XX/2019 ... crying foul of them not giving me a chance to dispute and challenge their assumption. Today XXXX XX/XX/2019, I received my first letter from DCI. They are doing things in reverse order and have cause me great problems. I ask you to look into this violation and have them remove the negative entries on all 3 credit reports. I am sending you the very first letter I received from them and my certified letter which I mailed once I was notified that they purposely reported a Collection on my credit. They have deliberately violated the rules of the FCA and my RIGHTS as a consumer. Anything less than a complete deletion is really a travesty and I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: MS

Complaint narrative:
After seeing on my XXXX credit report that I had an outstanding balance of {$19000.00} through Monterey Collections, I called the collection company on/about XX/XX/XXXX. They did not have my social security number in the system or connected to any account. I had never received anything in the mail from the company. ( They told me that correspondence had been sent to ... my ex-mother-in-laws home which I never lived ). I told them this as well as the fact that my ex-husband is solely responsible for the XXXX timeshare. I have no paperwork, no information since our divorce in XXXX when he was awarded the XXXX and held solely responsibly via court documents for all payments with me being held indemnified and held harmless ( see section XXIV attached ). They told me I would still be responsible. I told them I had court documents stating otherwise. I went through XXXX  to dispute and included my divorce decree in that documentation. The collection company still refused to delete from my credit report and instead added a note that it was a joint account with my ex-husband ( even though the court papers state I am not responsible for anything that was joint- he is ). After the fact, I contacted our state Attorney General 's office and was told that legally I am not responsible for any of it and they can not come after me in any way. It would not hold up in any court. I am going to file a case through our state 's Attorney General 's office as well. I need this deleted from my credit report and for them to not contact me about this in the future for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continues to inaccurately display employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. After last dispute they sent out the same letter they have sent to me the last 3 times stating that my dispute was illegible and needs to be typed or the don't understand my dispute. That makes no sense. The dispute was typed and mailed in, so how can it be illegible. I have included a copy of dispute as well as the last 2 letters Transunion sent me. Make sure to look at dates they are the same letter with different dates. I also included a current pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how the verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: U.S. BANCORP
State: NH

Complaint narrative:
1 1/2 years ago my identity was compromised resulting in this on my credit XXXX US BANK XXXX CC Opened XX/XX/2016 {$1700.00} I want it 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