vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This is tied to complaint # XXXX. 

Hello, Thank you for your previous response. I went ahead and requested the official letter from my financial institution. It clearly lists my XXXX account, which is correct account that I used for the past 3 years. The Bank asks XXXX to remove negative credit entries as the customer entered correct amount and account numbers. The payment rejection and any subsequent delays are not customer 's fault. This is either the Bank or XXXX. You may contact XXXX XXXX XXXX to verify. Since, I have no proof of mailing my initial payment attempt ( USPS in XX/XX/XXXX ), you may leave XX/XX/XXXX ( 30 ) entry on my credit report. However, please do act in accordance with the letter from XXXX XXXX XXXX, and remove both XX/XX/XXXX ( 60 ) and XX/XX/XXXX ( 90 ) negative credit entries from all credit bureaus. Hopefully, this time we can finally close this case in satisfactory manner. 

Happy Holidays!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have sent out letters requesting proof of authorization to access my credit report and my request have been ignored and I have not received any correspondence from them. 
I was told by by XXXX that the inquiry would be removed since XXXX XXXX didnt respond to the request of information.

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 2017-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Out of the blue, I received notification from Citibank that it has closed down three of my accounts, one Citi credit card, one Macy 's credit card and my Best Buy credit card. No information was provided to me. When I wrote to the Company ( which was not even initially identified ) the response I received was that they have the right to close the accounts. I have never had a credit issue in my life, I have maintained high credit limits and have an impeccable credit rating ( most recently over XXXX ). We are not disputing their right to close the account, my goal is to understand why this happened. If there is a mistake or they have some inaccurate information, I have a right to know that so I can address it. There is not even a phone number on the letters so that I can actually speak to a person. Please advise as to whether the Bureau can assist me or if there are other ways for me to get to the bottom of this. 

Thank you very much. 
XXXX XXXX XXXX ( cell )

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 2017-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Claim ID. # XXXX Transaction Ref. # : XXXX Name : XXXX XXXX Acc. # Visa ending XXXX My name is XXXX XXXX. I am a bank of America XXXX XXXX XXXX Card holder for the past two year or so, I have filed a dispute about the outrageous charges made by XXXX XXXX XXXX XXXX in XXXX XXXX which I noted on my Visa Credit card ending with the XXXX. The charges in Amount of {$1000.00} posted on XX/XX/XXXX by the XXXX XXXX XXXX XXXX My dispute about this outrageous charge by XXXX XXXX XXXX XXXX on my Visa Credit card is as following ; 1-The rental car reservation was made online & the Total amount of rental car fees of {$290.00}, was paid in full on XX/XX/XXXX with my Bank of America XXXX XXXX XXXX credit card, And the rental car insurance which is an obligatory requirement in XXXX was confirmed to be covered by my Bank of America Visa Credit card. No additional fees were supposed to be added later on to this charges. 

2-On XX/XX/XXXX, while backing up in the parking lot at the hotel, where I was staying, I hit a tree with the rear bumper of the car causing a 4 cm superficial scratch mark WITHOUT ANY DENTATION or DEFORMITY OF ANY SORT. A paint only scratch mark on the right side of the rear bumper. I brought the pictures of the rear bumpers scratch marks to two separate car repair shops ( Car body Shops ) in XXXX, where I received an estimation of required repairs mounting to only XXXX Euro ( Depending on exchange rate just about XXXX $ ) cost of repairs. 

I was charged on my BoA Visa credit Card, {$1000.00} for the minor superficial paint only scratch marks on the rear bumper to be outrageous, for which two estimates by two separate car body shops in the same city ( XXXX XXXX ) are just about XXXX Euros, which is less than one tenth percent of the XXXX XXXX XXXX XXXX estimation for the same repairs. 

I wrote repeatedly to the bank of America Visa credit card to dispute this outrageous charges due to : 1-Extremely high charges for a minor superficial paint damages to the rear bumper of the car 2-XXXX XXXX XXXX credit Card from Bank of America which I used to pay for this rental car, is according to the credit card agreement is responsible & should be covering the Car rental insurance for my purchase. 
But the Bank refines to address my concerns & keeps telling me that they did not find any dispute & I am responsible for this damages.

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 2017-11-19 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: Risecredit, LLC
State: CA

Complaint narrative:
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have a a unverified account from CREDIT COLLECTION SERVICES # XXXX. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One accepted a debt consolidation agreement for three separate credit card accounts with XXXX XXXX  XXXX on XX/XX/XXXX. Subsequently Capital One has submitted a total of 8 late payments to credit reporting agencies : Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX Account ending : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One representatives claim payments were insufficient and or received 30-60 days late in direct contrast to our agreement. Monthly statements from XXXX document the agreed minimum monthly payments. 

Capital One account ending in XXXX was at one time reported as 90 days late. I was able to have that removed from my credit report, However, eight payments reported 30 60 late remain. 

Im reaching out to CFPB to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: Avant Credit Corporation
State: CA

Complaint narrative:
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX.
I have asked for proof of this being my account and have not recieved anything.
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I have a mortgage with XXXX XXXX for a property in XXXX, La. I once lived in a house on this property, but the house was destroyed in Hurricane XXXX in 2005, and all that remains is a vacant lot. Ocwen took over the loan after XXXX. The company has recently been sending me letters about force-placing flood and hazard insurance on this property. I have called them many times to inform them that there is no structure on this property, but they continue to send threatening letters about this insurance. Because the insurance they plan to place covers damage to a structure, and there is no structure on the property, this insurance would serve absolutely no purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I dont understand how my private loans 2 weeks ago had a balance of {$100000.00} And today it is at a balance of {$110000.00}. I dont understand, and furthermore, I dont understand why my son was made a co signer when he was never listed on the website and when I asked that he be removed, he was then added to website. I placed a complaint a while back about this. Im not satisfied with this response since there is already a primary co signer to this account, XXXX XXXX. Even though my payments have not been late for the past 24 months, I have not been able to remove my son, XXXX XXXX. The reason is because Im paying the interest off. I am sorry, but currently that is all I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Cbna/sears Hard Inquiry from XXXX XXXX, 2016 XXXX, OH XXXX ( XXXX ) XXXX Info from XXXX & XXXX  via XXXX XXXX XXXX XXXX website. 

This hard inquiry was not authorized by me as I have never applied for any type of credit from sears.

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 2017-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following is wrongly reported and was not my account. It was identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, 2017 {$410.00} {$410.00} XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
The above account does not belong to me and it keeps on being submitted to the credit agencies, Experian and XXXX. I have filed for disputes and it has not gone away. Also, i need to complain about Experian since it has a major discrepancy in my credit report compared to the other agencies. EXPERIAN-XXXX ; XXXX-XXXX and XXXX-XXXX. I asked them why such a discrepancy but they said they ca n't do anything about it. Please assist me. Thanks

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 2017-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a check through my phone XXXX XXXX 2017 for {$1100.00} into my capital one 360 account. They made me wait appx. 6 days to clear. Then once it was cleared they called me but my mom answered and they asked where the check came from and she accidentally said she was not sure. They said they were closing my acct and said they had to return the check to its original owner. Two months went by I noticed my account was still open with {$1100.00} available but I could n't access it. I spoke to a bunch of people on the phone and they basically stone walled me and said I had no account open. This is where I am at now. I 'm not getting anywhere with the over the phone workers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio / XXXX XXXX as Trustee on be half of XXXX XXXX XXXX XXXX XXXX asset back notes are attempting to foreclose on my home with a fraudulent assignment. The assignment contains signatures of robo signers. XXXX XXXX the document control offer signed the assignment XX/XX/XXXX which after the cut off date of the trust. The pooling and servicing agreement filed with United States Securities Exchange clearly states in section 201 that all mortgages need to be conveyed 90 before the cut off date, and this assignment was conveyed 9 years later.They have obtain a fraudulent deed, and the Power of Attorney that I gave to XXXX XXXX in the barrow waive of rights is rescinded through the courts of XXXX  Co.I HAVE NOT GIVEN This Trust or XXXX XXXX rights to sign as my ATTY IN fact.
Select Portfolio has refused to modify or restructure my loan, nor have the responded to my QWR or Debt Validations. I attached what i sent to SELECT PORTFOLIO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Asked XXXX XXXX XXXX XXXX to stop calling my cell phone repeatedly 5-6 times daily. After that I started getting a the same calls from XXXX XXXX XXXX XXXX now showing up as unknown caller with no number sometimes 10 times in one day.

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 2017-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( dated XX/XX/XXXX ). Equifax has violated the FCRA 30-day-to-respond regulation ( As of their XX/XX/XXXX frivolous request for id info, any subsequent investigation will put them past 30 days ). The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS 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 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 XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: NC

Complaint narrative:
I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : 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 2017-11-19 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: TX

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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