vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Screening Reports Inc.
State: GA

Complaint narrative:
This company was used by two different apartment buildings to conduct a background check for screening purposes, the first on XX/XX/XXXX and the seconds on XX/XX/XXXX. Both times resulted in me being declined as a result of the results provided by Screening Reports , Inc .

Based on the Statement of Rental policy that both apartments provides online I should not have been declined and as a result have requested the consumer report that Screening Reports, Inc provided these companies so that I can verify its accuracy. 

I sent two faxes to their provided fax number they list on their website to request such report and both have gone unanswered and therefore have no choice but to file a complaint.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I am looking to have my balanced cleared on the loan. The principal balance was {$500.00} and I have made {$1400.00} in payments within a few months. This is outrageous and I can not afford to give the company any more money. I called and they informed me that I still would owe {$510.00} if I paid the balance tomorrow, which means I have only been paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Collection Agency : Ability Recovery Sercives LLC Original Debt Holder : XXXX University Written Notification Complaint # 1 : I have received numerous bills in the mail ( last one  dated XX/XX/XXXX ) about a {$2600.00} debt thats supposedly owed to XXXX University. I have asked the collection agency ( last phone call on XX/XX/XXXX ) to send me an itemized bill. I have NOT received a bill. A representative for Ability Recovery Services LLC told me during a conversation on XX/XX/XXXX, that I had previously requested a bill and should have already received the statement in the mail. 

Just recently, I was told by a representative with Ability Recovery Services that it would take 30 days to receive the bill and that her company policy requires that she receives the bill first, then she will send it in the mail to me. If the bill was previously requested by me and sent to me, why doesnt the collection agency already have a copy of the bill to forward? The 30 day waiting period is ridiculous. 

False Statements Complaint # 2 : It has been reported to all three credit bureaus that I have defaulted on a loan thats in the amount of {$2600.00}. The original debt holder is reporting a different amount. There is a massive discrepancy in the amount being reported by XXXX and Ability Recovery Services. 

Communication Tactics Complaint # 3 : Ability Recovery Services LLC rep XXXX ( last name ) was extremely unprofessional. He hung up on me while I was requesting an itemized bill. Told me that he didnt want to waste his time sending me the itemized bill because he knew I wasnt going to pay it. He took a prejudice/bias accusatory stance by stating your not going to pay this bill anyway, so why did you call. 

After being hung up on, I called back and XXXX hung up the phone again, after I requested to speak to a different collections rep. Again, refusing to accept my request for an itemized bill. I had to call back a third time to talk with a professional collections agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Previous complaint number XXXX. 

This was the company 's response to my previous complaint : PRA sent its initial notification letter to you on or about XX/XX/2017. PRA has no record of a response or a dispute being received in relation to its initial notification letter. For assistance, please review the resources available at the Federal Trade Commissions website www.identitytheft.gov. 

So they are saying they have no record of a response of a dispute being received, yet on my previous complain I attached 9 pages that show evidence that I responded. And to make it easier and more evident, my responses where handwritten on all the 9 letters they sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have filed multiple disputes with this company about continuing to report as a factoring company and an open account on my credit report. Portfolio Recovery Associates ( PRA ) is in violation of the Fair Credit Reporting Act ( FCRA ). The collection has been paid since XX/XX/2016 and they have yet to report the account as closed. I will continue to seek action until something is done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX. I have only had one account with XXXX XXXX and that account was paid in XX/XX/XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into one of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old 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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
Company did has not communicated with me about this alleged debt. There was no notice sent to me about me owing this alleged debt and I was not notified of my rights to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX the following accounts were taking off my credit report XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX the following accounts were taking off my credit report XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
XXXX  and SUNTRUST have repeatedly removed the SUNTRUST BANK CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a preferred master card with citi bank. And was denied based on my XXXX  credit report. And I don't agree with there decision. My report look good and I was denied based on my race. The application number is XXXX I have a XXXX credit sore and I owe XXXX on a store card. I would like a better redecision with pull my credit fie. Best 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 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
( The following is my written complaint to Honda Financial Services ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  Complaint Department Honda Financial Services XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to dispute the following information in my file. Your agency claimed that I missed a payment this spring, I made up the payment the very next month paying {$500.00} dollars and the subsequent month paying XXXX. Adding both months together this comes out to XXXX and surpases the XXXX payment missed the month prior. You have overcharged me XXXX. Your agency also turned me into the Credit Bureau and lowered my credit score. 

My next dispute, I cancelled my XXXX XXXX and I was told only XXXX was be returned. Neither was it applied to the month of XX/XX/XXXX where is should have for XXXX but neither was it returned to me. However, instead when I called your agency I was told it was kept as a security deposit. I asked why two years into my lease was I now being charged with a security deposit? After waiting 15 minutes, the representative told me it was in case damages where found on the car when it is returned. 

I said I would buy the car, then the representative said I wouldnt qualify to refinance the car. At the time, I didnt know why. I went to the Honda dealership and my payoff had increased from XXXX to {$17000.00}. If I made all my payments and promptly made-up the missed payment how does the car payoff go up? 

Needless to say, I was upset. The Honda salesperson followed me out and told me they were sorry and that Honda Financial Services turned me into the credit bureau, they felt that I deserved to know why my credit rating had dropped! 

( Image of the transaction history ) My payments are up to date. Ive always had good intentions towards my payments, one time  making a XXXX payment paying off 6 months. Below is a screenshot of the transaction history for the month, after I missed the payment it supports that I rectified the situation immediately. Please investigate this matter and delete the claim to the credit bureau as soon as possible. 

Regards, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- End of Letter to Honda Financial Services -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dates : provided on attached documents Honda Financial Services is NOT allowing me to log on or I'd provide the most recent itemized list of the last 6 months so that it can be documents the fee 's went up for {$7.00} to {$12.00}, I assume for handling my account? There are no specifics provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: NC

Complaint narrative:
I first contacted Equifax and XXXX in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked Equifax and XXXX to validate the information with XXXX and provide me with any documentation connected with the accounts. Equifax and XXXX  did not validate the alleged accounts which are showing on my credit report. Equifax and XXXX repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that Equifax and XXXX provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that Equifax and XXXX delete the XXXX line items from my credit report. Equifax has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, XXXX  also has not fulfilled this request. Equifax and XXXX  unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates has been continuously reporting an entry on my credit report and not validated the entry. In my previous disputes to XXXX and XXXX, they responded that the accounts were verified. To that end, I sent a dispute certified with return receipt to them. I sent my first dispute to the Portfolio in XX/XX/XXXX and their response was a mere summary drafted on their letterhead. This did not provide any substantial justification regarding the amount they were alleging I owed. As a matter of fact, it was very questionable. Thus warranted my follow response refuting what they sent. In my letter dated XX/XX/XXXX ( see attached ) ; I specifically pointed our the errors and inaccuracies that they were reporting and to date are still reporting. 

To recapitulate, Portfolio opted to not send a dunning letter notifying me that they were attempting to collect a debt. Hence violating my consumer rights that would have afforded me the opportunity to dispute the validity of the alleged debt. Additionally, in my XX/XX/XXXX dispute, they neglected to fully investigate the dispute I submitted and provide the requested documentation to validate the alleged debt they are reporting. Further, upon my sending a 2nd letter to them in XX/XX/XXXX specifically denoting the inaccuracies, they have failed to update the entry on my credit report and have failed to provide the documentation supporting them having the ability to report this account as a data factoring account. Portfolio continues to blatantly violate my consumer rights. 

Given the aforementioned information as well as the supporting documentation attached, this entry mandates a DELETION IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
When I opened my account with Ally ( formerly XXXX ),  they were representing themselves as a NO TRANSACTION FEE banking alternative to the traditional greedy way banks operate. In particular I asked it Wire Transfers, In and Out, were free of fees and was told YES. Over the years I have and continue to have funds wired INto the account and on occasion, I wire funds OUT of the account and as it was represented, there were no wire transfer fees. 

That was until yesterday when I processed a Wire Transfer OUT of the account. They charged me {$20.00} to process the Wire Transfer transaction. This is ILLEGAL and what is referred to as BAIT AND SWITCH. 

I DEMAND my {$20.00} refunded and an additional {$60.00} to cover the time I would otherwise not have had to spend calling them and now having to process and submit this complaint due to their illegal and greed Bait and Switch tactics. 

TOTAL DEMANDED : {$80.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Greetings, Copies of the note and the mortgage has not been given to me period. i have asked for the note and mortgage agreement from the beginning of time and i have not gotten it. 
XXXX had the loan who sold it to, XXXX  XXXX XXXX, then had Nationstar mortgage billing, after each bank has been asked for the note and mortgage. Over the course of the loan and communications to the companies payment has been paid in full as of XX/XX/2018 the bank has doctored information changed records committing fraud, theft of funds, and securities fraud. The C.e.o. has been notified and has failed to response. 
this has in-turn resulting breach of trust, breach of fiduciary relation in a private, priority, special, proprietary trust arrangement. The trustee is now in breach and has failed to close this account. The bank stating that checks was cashed was false per the report from there bank and the bounced check from XXXX XXXX XXXX. Transcripts from mr. cooper a.k.a nation star has changed records, falsely represented information, theft, and have committed several other violation United States Constitution and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank WILL NOT REVEAL WHY they do NOT give auto loans ( or refinancing of auto loans! ) for vehicles that have OVER 75,000 miles. The " Auto Finance Department '' referred me to the Chase " Executive Office '' on this issue. The " Chase Executive Office '' referred me BACK TO THE AUTO FINANCE DEPARTMENT! 

I demand to know WHY this XXXX miles on a used vehicle is a " disqualifying criteria '' for an auto loan, and WHO AT CHASE made this arbitrary decision! 

I will NOT ACCEPT the " runaround '' on this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Community Health Investment Company, LLC.
State: AR

Complaint narrative:
I have tried on several occasions to get the XXXX XXXX XXXX XXXX to rebill my insurance company for the {$1900.00} they were initially charging for the XXXX XXXX XXXX I had done. Instead of them doing so, they hired an collection agency to harass me. I called XXXX XXXX XXXX XXXX this morning to get to the bottom of this and the first rep I spoke to told me that if I did not pay they would sue me! I had insurance and called Arkansas Medicaid to verify it. I even called the Medicaid Claims department and grievance department. I was told by the grievance department that the hospital failed to submit the claim with an extension or with a XXXX referral. This couldve all been solved without the threats and headaches I received.

Company response to consumer: Closed with non-monetary relief