vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received an alert from Experian on XX/XX/XXXX decreasing my score and my credit rating. There were no new inquiries or information stating why. Can not speak to a live representative with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/18 I filled in all of the information requested of me to obtain my free annual credit report from EQUIFAX. At the end it advised me that I would have to get the report by mail by providing documentation. 

There was nothing wrong with my entries on their online form and Equifax did not state why I was being denied my report. 

These reports are a VERY SMALL price these companies pay for collecting and selling our personal information and this has happened in the past. 

I demand that my credit report be provided immediately without my having to spend time collecting documents and mailing them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I opened my NAVIENT account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX, XXXX and XXXX of XXXX I was late with payments, XXXX, XXXX, and XXXX. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by XXXX  that my credit scored dropped 8 points due to late payments on my Navient account. When I called Navient they informed me that I was late on payments in XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by XXXX because my credit score has not gained its 8 points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called in to ask for an extension from Capital One Auto Finance on XX/XX/XXXX. I asked the representative to have my XX/XX/XXXX for the extension. She replied what month are you attempting to do the extension for. I replied " XXXX '', She replied " you are approved for the extension we will move your date from XX/XX/XXXX to XX/XX/XXXX ''. She further went to say that in order for me to keep my approval for this extension I had to pay my car note by XX/XX/XXXX. I told her that I was did not want my credit affected. 

I take my credit very serious and I have made all my payments for both accounts on time for the over a year. I immediately setup the electronic payment for XX/XX/XXXX. On the same day, I was assessed two {$25.00} fees on my account and a late payment appeared on all three of my credit reports XX/XX/XXXX. 

The representative never said that I could not get the extension for that month I requested. Upon calling the resolution department speaking with XXXX he informed me that my extension was for the month of XXXX not XXXX. He also stated calling XX/XX/XXXX was too late for the month of XXXX, which was not 30 days late. That made no sense to me as the customer because that was the month I originally inquired about. Im completely shocked by what I was seeing because it made no sense to me as the customer who made payment arrangement for an extension and I paid 4 days prior to the date to be marked late. I would like to keep a positive relationship with Capital One Auto Finance. My credit well-being is my livelihood and primary concern. I am planning on making purchases in the near future. I am very responsible with my credit and I take it very seriously. 

I mentioned several times on the phone call that I want to keep my account current. 
At no time was I redirected to any other department to ensure my credit reporting would be accurate. My current credit report is saying late +30 days for the month of XX/XX/XXXX, when in fact that payment was moved to the end of the loan as the paper states. I have never been late on any payments. 
I am requesting that you look into the situation and authorize the removal of the late payment. I thank you for your time. I can be reached by phone at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and Associates at XXXX XXXX XXXX in XXXX Tn is trying to collect 2 debts from me. They are both medical debts. One is from XX/XX/XXXX and the other from XX/XX/XXXX. I had originally made a couple of payments to lower the balance owed to XXXX XXXX XXXX. They sold the debt to Wakefield. Once Wakefield received it, they called me multiple times a day. Once I answered and told them that I would pay what I could, when I could. I never agreed to a set amount. There was one month when I couldn't make a payment due to low hours at my job. After that, they sent me a letter stating that I broke my promise and that they were then going to start charging me interest. I never agreed verbally, or in writing, to pay a set amount. I mailed them a letter requesting copies of the original contract to try to verify if they can legally charge me interest. Under Georgia state law, they must provide me with the original contract that I signed. They failed to do that. Instead, they sent me a statement for each account. In the statements, it shows the original balance, as well as payments that I made. They included a separate paper that shows the amount of interest they have added. They can not legally charge me more than I owe, unless I agreed to pay it in the original contract. They also refuse to send me the original contract, which is a violation of Georgia State Law and Federal Law. I have made them aware of the laws they are breaking, but they insist that the debt is valid and that I have no case. Georgia statute of limitations on medical debt is 6 years for a written contract, and 4 years for an implied promise to pay with no contract. One bill is from XX/XX/XXXX, and one is from XX/XX/XXXX. They continue to drop my credit score each month when they tack on more interest. This is clearly illegal and it needs to be stopped.

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 2018-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I opened my XXXX account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was late with payments, 90, 120, and 150. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by Experian that my credit scored dropped 8 points due to late payments on my XXXX account. When I called XXXX they informed me that I was late on payments in XX/XX/XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by Experian because my credit score has not gained its 8 points back.

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 2018-11-18 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: VA

Complaint narrative:
Equifax Credit Reporting agency has not complied with Section 605B of the Fair Credit Reporting Act Which requires them to block fraudulent information on my report. Instead they continuously keep submitting disputes with no resolution. I have exhausted numerous hours and phone calls trying to have them to comply and remove and block the accounts. The representatives have poor English and continue to put me on hold only to come back on the line and state that they are waiting for a dispute resolution. There will never be a resolution. The fraudulent accounts that remain are as follows .... 

XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been forwarded a copy of my identity theft report / police report but continue not to comply or remove the fraudulent accounts. I have called them over 10 times to include communicating with their fraud department as well. This agency is not cooperating with me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
IN XX/XX/2018, THIS COMPANY PLACED A LIEN ON MY SAVINGS ACCOUNT AND TOOK APPROXIMATELY {$2500.00} WITHOUT PROVIDING ME WITH NOTICE. I specifically stated in writing that the account listed on my report was NOT A VERIFIED account by the creditor. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACT that I signed with said creditor. I have NOT been sent any information by this creditor that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. I'M PLEADING WITH YOU FOR SOME HELP! THEY ALREADY TOOK MY MONEY, AT LEAST REPORT IT POSITIVE ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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:
On the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have disputed account : XXXX & XXXX  opened 1 investigation each both removed : " XXXX XXXX XXXX XXXX XXXX {$850.00} {$500.00} 170 % Revolving Negative XX/XX/XXXX '' as fraudulent along with supporting documents. 

Equifax performed 3 investigations and results account was verfiied. 

However, XXXX  & XXXX  performed 1 investigation and has removed account : " XXXX XXXX XXXX XXXX XXXX {$850.00} {$500.00} 170 % Revolving Negative XX/XX/XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both Equifax and XXXX failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX I began a small account with XXXX XXXX XXXX  for our wedding rings. The account started off with us owing approx 1500.00. It was a 12 month interest free plan with the interest rate after the 12 months showing 28.99 %. 

Unfortunately we were not able to pay the bill off within the 12 months, but came very close and after our two XX/XX/XXXX payments cleared we only owed XXXX left. 

XX/XX/XXXX XXXX XXXX XXXX sent a letter that XXXX XXXX XXXX was ending their partnership with TD Retail Card Services and according to their letter " TD Bank will continue to send you monthly statements in accordance with your cardholder agreement. '' Tonight I open my statement from TD and they state that my interest on the remaining XXXX balance is XXXX, so I now owe nearly double at XXXX. I understand there will be interest, but obviously 28.99 % of XXXX is not anywhere close to XXXX. They more than doubled what I owe in interest rates in one month.I can not believe it!

I tried several times to get through on their 800 # and nobody answers.They want you to print and mail in a dispute form, but if my interest is doubling what I owe every month there is no way I can wait for a letter to arrive and them to take the time to investigate my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and Transunion is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both XXXX  and Transunion failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the  government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

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 2018-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: MD

Complaint narrative:
Since the XXXX XXXX of XX/XX/2017 resulted in XXXX XXXX, XXXX has refused to disburse them to customers, despite all their peers such as coinbase doing so. 

Like many of their customers, Ive been waiting for the release of my funds for over a year now. 
Their communications has ceased, and although circle invest has been active for months, they still have not released our funds. 

this recent XXXX XXXX  as now phased out XXXX into two tokens. 

Their excuses have devolved into silence, and they have since changed their user agreement, which is malicious and unethical. 

losses have run up to half a XXXX in opportunity costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I recently had a Collection appear on my XXXX Credit Report as of XX/XX/XXXX from Ability Recovery Service. I have never spoken with this company prior to this date, nor have I received any written correspondence regarding alleged debt. 
I contacted the company and I was hung up on and was spoken to rudely when I attempted to get information as I have no knowledge from this alleged debt from this company or the original creditor. After reviewing my records, the date of service that they alleged is not one that is in alignment with the last time I was in the hospital after an automobile accident in which that debt was paid so this appears to be an error. I also received nothing from the original creditor. I received no notice or validation of this debt from this agency or the original creditor. I have no knowledge of this debt. Upon finally being able to speak with someone, they confirmed they in fact allegedly sent information to the incorrect address so I have no knowledge of this debt. They said the debt is from XX/XX/XXXX but have it listed as XX/XX/XXXX on my credit report so they are also modifying dates to reage the account.

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
Hi how you doing, XXXX email me there is a hard inquiry on my report when I login to my XXXX XXXX  I see the company name XXXX XXXX XXXX XXXX XXXX XXXX, wI XXXX I never never heard about this people for this company never order by phone by mail or by the Internet we dont even have this company and my state Im afraid someone have my information or Trying steal my information I called him and emailed him no one is responding please tell me what can I do thank you very very much

Company response to consumer: Untimely response