vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX notified me in XXXX of an a bill for terminating my cable contract. I paid the full amount directly to XXXX XXXX XXXX. The company below reported the item in collections. When I disputed the items off my credit report. The company reports that this account open, which is incorrect. The full amount was paid in XXXX. The remarks state this account was settle for less than the full amount, which is false. I am contacting XXXX XXXX XXXX, with whom I currently have cell service for my companies that I own to get a statement showing this was paid in full. Regardless of anything, Franklin Collection Service has reported false information stating this account was open when it was not for about 4 years, which impacts my credit score.. Once this response comes back, I will find an attorney to review and determine what action should be taken. I also am watching this account because I do not want it to be illegally re-aged on my credit report .This company also appears to have been involved in multiple lawsuits. I will speak with my Senator 's office on Monday. There needs to be more done to companies like the one below. 

FRANKLIN COLL SVC # XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$380.00} Original Creditor : XXXX ( Utilities ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On ( XX/XX/2018 ) XXXX of this year a request was made for the ( transunion ) credit reporting agencies regarding my credit file report to the credit reporting agency Transunion. ( FCRA ) Section 609 ( c ) ( 2 ) ( E ), a consumer reporting agencies is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under section 605 or can not be verified. I challenge the credit reporting agencies to verify the negative credit event in the credit report by producing a copy of the " original creditors documentation '', not the veracity, but the bureau abilities to verify their veracity. I used section 609 of the ( Fair Credit Reporting Act ) law to demand the veracity of their credit reportingof my credit reporting file, and If they couldn't verify the data they have no right to continue to maintain it on their credit reports.

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 2018-07-21 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Mortgage continues to report 120 day late payments, 2 years after forclosure was completed and the property was sold. They reported 120 days late in XX/XX/XXXX and again in XX/XX/XXXX. The property was sold in XX/XX/XXXX and was protected under CHXXXX bankruptcy protection from XX/XX/XXXX through XX/XX/XXXX. I have since contacted Wells Fargo Mortgage disputing these reports. I have also disputed these with XXXX and XXXX with the typical response of all information is correct and accurate. In XX/XX/XXXX a certified letter was sent to Wells Fargo challenging the formentioned reporting history. On XX/XX/XXXX I recieved a letter from Wells Fargo dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that they are just the servicer of the acount and the acount is held by XXXX XXXX XXXX. This response does not address why Wells Fargo Mortgage is still reporting late payments.

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 2018-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My credit card balance was reduced before I received any notification for the reason for the reduction. I did not have ANY late payments and paid more than the minimum amount due a majority of the time.The reduction was on all of my Synchrony Bank affiliated accounts ( 6 in total ). After I had the balances paid down to about half of the original credit limit, Synchrony Bank reduced all of the balances of the bank cards I have with them causing my credit utilization to increase drastically and causing detrimental harm to all 3 major reporting credit bureaus. It looked as if the 6 credit cards were maxed out to their limit. I called customer service and was told there was nothing I could do. 4 decreases in XX/XX/XXXX alone. 

Here are the original amounts and account # for each Synchrony Bank affiliated accounts : SYNCB/XXXX XXXXXXXX # XXXX - Balance as of XX/XX/XXXX {$72.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$310.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/BELK # XXXX - Balance as of XX/XX/XXXX {$91.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$370.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/CARE CREDIT # XXXX - Balance as of XX/XX/XXXX {$42.00} Credit limit of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX & {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$250.00} from XX/XX/XXXX to XX/XX/XXXX SYNCBXXXX # XXXX - Balance as of XX/XX/XXXX {$380.00} Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX & {$1200.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/XXXX # XXXX - Balance as of XX/XX/XXXX {$82.00} Credit limit of {$600.00} from XX/XX/XXXX to XX/XX/XXXX & {$320.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/WAL-MART # XXXX - Balance as of XX/XX/XXXX {$49.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$210.00} from XX/XX/XXXX to XX/XX/XXXX My credit bad credit utilization has cause harm to my attempt to consolidate other debt and ruined my chances with obtaining a mortgage loan.

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 2018-07-21 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: World Acceptance Corporation
State: GA

Complaint narrative:
I am extremely dissatisfied with the companies response in a previous complaint. Mr XXXX not only made no attempt to correct their errors on my credit files, they actually did hard inquiry credit checks on my file on XX/XX/2018 WITHOUT my knowledge or consent. I mailed a certified letter to their interim CEO Mr. XXXX XXXX XX/XX/2018 as well. I am requesting that your division still support my rights in this situation until it is taken care of. 

It has been over 30 days since I mailed the last certified letter, I received no response and the illegal credit inquiry that they made still remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX reported me 3-4 months late On a credit card balance of {$19.00}. 
They reported this to all three credit bureaus and it has affected my credit score. 
Contacted XXXX on XX/XX/XXXX and they told me that I have a zero balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!

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 2018-07-21 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: CITIBANK, N.A.
State: OR

Complaint narrative:
In XXXX I accidentally made my CITI VISA payment to CITI MasterCard. I realized what happen when I saw a late charge on my CITI Visa account. I immediately paid CITI Visa the {$1200.00}, then called them to explain what happen and that they would receive the payment in 2 days. I was not concerned I had made an extra payment to CITI MasterCard. Without my consent or knowledge the CITI customer service rep transferred the {$1200.00} from my CITI MasterCard account to my CITI Visa account. 
When I received my CITI MasterCard statement, it did not make any sense. When I called their customer service I was told the money had been transferred back to my bank, but they didnt know why. This turned out not to be true. The second call I was told it had been transferred to my CITI Visa account. I spent three hours between calls and going over all my accounts for verification since I could never get an honest answer from anyone. I do not have a problem how my accounts currently stand, just a problem how and why it was done.

I now owe CITI MasterCard the {$1200.00} they removed from my account, and I have a credit on my CITI Visa. It is disturbing to me that one CITI customer service call center handles all CITI bankcard accounts, they can make any changes to a customers account, and they are located in XXXX. 

CITI Double Cash Card XXXX CITI Visa

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 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the  phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase Auto Finance is reporting to my XXXX report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with XXXX and Chase numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with Chase on XX/XX/XXXX with no response as of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sent me a new credit card to replace an expiring one in XXXX, and I never recieved it. I let them know. Since I dont use this card very ofton it slipped my mind. In XXXX I got a letter from them stating they had tried calling me and could not reach me so they closed my account as Fraud. I called them and spoke to several different people escalated all the way up to the Fraud Department, who would not reopen my account. This caused damage to my credit report as it was one of my oldest accounts, as well as decreased my available credit, thus increasing my utilization. I feel they could have reopened my 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 2018-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have an account with Synchrony Bank for XXXX music store. I am trying to pay off some of the promotional balances on the card. I have several balances that are equal payment no interest and I specifically am trying to pay off a couple of those balances. I had a balance that stood at {$16.00} and I made a payment to pay it off on XX/XX/2018. In order to have a payment applied to a certain promotional balance, I had to make the payment and either then call or chat to have it applied. I do not, for one, understand why they don't have this functionality on their website. Regardless, I made the payment online and then called them. The next day, I made a payment of {$100.00} to another promotional balance that should have paid that one off as well. I then chatted with an agent to have tht payment also applied just to that balance. To date, XX/XX/2018, NEITHER of those payments has been applied correctly. I have chatted multiple times with them and they have told me it would reflect online within 48-72 hours and now I am being told it can be 1-2 statement cycles. I am beyond tired of fighting with them. Now I have made my monthly payment ( actually about {$30.00} more since I paid {$200.00} ) and it has further reduced the balances on the 2 promotional purchases in question but they should have been paid off by now. I received an email stating the allocation had been done but it has not. As of my last conversation with a supervisor today, he did not listen and tried to reapply the {$200.00} payment I made yesterday as well so it is now possible that payment won't pay the monthly payments.

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 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is reporting to my Transunion report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with Transunion and XXXX numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with XXXX on XX/XX/XXXX with no response as of XX/XX/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 2018-07-21 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: FL

Complaint narrative:
I have been a customer with Capital One for over 8 years. I have never been late on my account since I received my credit card. I set up auto pay with there company and my payment comes out of my bank account every month on the same day. In the month of XXXX my minimum payment was increased by XXXX dollar from XXXX dollar to XXXX dollar. Capital one reported my account as late because the extra dollar was not paid, which in turn decreased my credit score by 65 points. I called Capital One and explain what happened to my credit score as a result of them reporting my payment as late and unfortunately they refused to remove the late payment from my credit report. The XXXX was paid as usual, but they informed me that it was considered a late payment. As a result of them putting this entry on my report, other creditor began decreasing my credit limit on other credit cards, which lowered my score even more. Capital One could have easy updated my information with all the credit reporting agencies, but they refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultant is a fraudulent company that I have never had a contract with and got a hold of my information and has attached themselves to my credit 3 times and I have proven that it is not my account. It keeps being removed then re attached month 's later. They are a nightmare and should not be allowed to ruin people 's credit. Please shut this company down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
unable to get replacement card american express gift card XXXX ( XXXX $ ) purchased XX/XX/XXXX card clearly states that " funds do not expire '' query in XX/XX/XXXX resulted in notice that card was void and needed to be replaced by calling XXXX resulted in letter request from american prepaid card management company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX for copy of government issued photo identification and address proof this was promptly done and return letter was received dated XXXX XXXX stating a replacement card will be shipped and should arrive in 7 to 10 business days nothing happened so called again still nothing so need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I recently received an alert about bad hit on my credit report/score. My entire life I never made any payment late whether it is Loan, credit card or Utilities bills. Rather I always make payments before time and little extra and keep reserve with my service provider or vendors. In my entire life I never have OD/NSF fees charged to my bank account.

Freedom Mortgage have reported false to all credit bureaus that I have made two months of payments late which damaged and killed my credit score and because of false reporting and fraud, my credit score dropped down rapidly and in consequences I have to pay higher rates on borrowing needs and insurance premium.

I received a phone call/voice mail on XXXX XX/XX/2018 from Mr. XXXX, Freedom Mortgage to call him back XXXX XXXX XXXX EXT XXXX to resolve the issue pending since XX/XX/2018 of misappropriation of my mortgage and extra principal payments and stealing of my money in the name of late payments/charges. When I called him back he introduced himself as Customer Ambassador and on investigation he found out misappropriation on their side and promised everything is resolved and money stolen from my account in the name of late payments fees are reversed. All of a sudden I received a severe hit to my credit score of false reporting of late payments towards my mortgage payments.

Freedom Mortgage management have damaged and killed my credit which I built in 16 years, working hard paying each and every payment on or before time. Freedom Mortgage Management is responsible for this crime, offence and liable to be prosecuted.

For Justice I demand Freedom Mortgage Management should pay damages {$100000.00} as well as criminal charges should be initiated and punished as per law to put behind the responsible management person behind bars at least for 10 years with rigorous imprisonment. These Lenders fraudsters/manipulators, blood like them should be stopped to kill/damage innocent borrowers credit score. 
I am ready to provide transactional details/statements/communications in case needed.

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