vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macys credit card company, DSNB, never sent me a bill or even attempted to contact me about a delinquent charge then refusing to fix the negative report on my credit after the small balance was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my experian file to avoid further litigation. 


I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX USA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
I recently purchased a home through the VA. Everything was going okay with my home loan, and every now and then I was a few days late with my payment ( but I always made my payment and never had an issue ). I recently found out my home loan was sold to Selene finance, without my consent or knowledge. When I purchased my home, I researched who I was obtaining my loan through, and would have never in a million years went with a company such as Selene. Yet somehow I ended up with them, and since being switched to selene, they have reported me to my credit bureau for 5 months straight, literally ruining my credit ( they are the ONLY negative report I have on my credit ). So now I cant refinance to get away from them. They will not return any of my calls, other then the very first time I spoke with them about why they would continually report me to the credit bureau. I dont know what to do when this company continually does things like this which is preventing me from obtaining any other way out and away from them. The fact that this organization services VA loans is even more beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: UT

Complaint narrative:
I am new to Discover Bank and i put a small amount in the checking account to test it before I make the full switch to them. Today, XX/XX/XXXX, I tried to use my card for gas and it was declined NSF. I called and was explained that it is because the gas station will put an authorization sometimes up to {$100.00}. I do understand that so I spoke to the gas station and I was told that, that usually happens with credit cards however debit cards it is usually {$1.00} ( I have {$75.00} in the account ). Ive had {$10.00} in XXXX XXXX before and was still able to buy gas for that amount. I then tried to use it for XXXX and XXXX XXXX XXXX, which both were declined. I called Discover Bank and they did not see the attempt for either two. The explanation was to contact the two companies and really no other answer was provided. I should not have to, it is time consuming, this is not a problem a consumer should be resolving and honestly I do not have this issue with XXXX XXXX or my local credit union. I did close my account with Discover but it was sad because I had such high hopes for Discover as I had such good experiences with their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Beginning XX/XX/2019, my Capital One credit card is locked up after every 1-3 transactions for a fraud alert. ALL of the transactions have been either near my house, near my work, or online at regularly visited reputable websites like XXXX. I call Capital One, verify my info in excruciating detail, they clear the card and I can use it 1-3 times and it gets locked up for fraud alert even using it at the exact same merchants. I call Capital One, spend approximately 50 minutes on the phone each time, have to verify all info including taking photos of my driver 's license which I think is very unsafe. This process repeats every day or few days. Not once during this three week period has there been even one fraudulent charge. I have asked Capital One to fix this problem and have been told there is no one there I can contact nor is there anyone there that can fix my problem. I requested a replacement card initially thinking I might have a problem with my chip. Afterwards it began giving problems for online ( i.e. not swiped ) transactions so I am not thinking this will help. Regardless, they sent a card taking over a week with the EXACT same expiration date and security code. If Capital One is so worried about possible fraudulent charges that they lock up the card almost every day, why would they send the exact same card? Answer is they are incompetent. I feel like I am being harassed by Capital One with this terrible customer service. I feel like I should be compensated for my time, inconvenience and embarrassment of having my card constantly declined. I easily have over ten hours of time invested in this issue. Capital One has consistently stated that every merchant has sent them the wrong information. Really??? 20+ merchants sent the wrong information? I don't think so. They also can't explain if that was the case how on websites where the info is saved ( like XXXX ) the exact same info will work once after they reset the account but the next time the account is locked up. The incompetence at Capital One in regards to this technical issue would be laughable if it weren't such a huge inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This company initial calls from the XXXX provided w/ DCI on Caller ID. This is Diversified Consultants attempted to collect a small amount of about XXXX. They have repeatedly called and continue to harass by calling from other phone numbers mostly XXXX area code. This company has once informed of the nature of the debt but does not note such on my personal credit reportings. The nature of the debt is fraudulent as know money was agreed owed by the apt complex in which I believe this debt relates. Such is the case a full 13mo lease was paid and extended on a month to month basis until a written and agreed move out date was filed with the apt complex. Assuming this is in fact what they attempt to collect ... the amount is fraudulent and not owed. 

This company ( Diversified Consultants ) has managed to reduce my XXXX Credit score many time with the last report resulting in a 16pt decrease following last discussion. 

I have blocked the XXXX number the company continues to harass calling from varied numbers as suggested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Theres an account listed on my report from credence resource listed on my credit report for XXXX XXXX this is not and has never been my account this is fraudulent. This is my 5thtime disputing this account only to have it removed from my Breaux and sold to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
A debt collection for a repo of {$8000.00} from American Credit Acceptance was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to XXXX XXXX XXXX which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX   who is disputing this and requesting for it to be deleted from XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant & Weber
State: AZ

Complaint narrative:
the debt is been paid on monthly payments {$150.00} XXXX, {$60.00} XXXX, {$60.00} XXXX, {$50.00} XXXX {$50.00} XXXX Check XXXX. As long XXXX XXXX cashed the payments, there is no reason to report incorrect information in my credt report. The issue of monthly payments were explained to the debt collectio agency on about XX/XX/2019. No additional demand of payments was made corresponding by mail ; consequently, their tactics to collect this debt is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a single mother. I recently tried to purchase a home and was denied because of my credit. That inspired me to pull my own credit report to see why i was denied. To my discovery there several unauthorized accounts in my credit report that were nit authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have paid and settled with the company XXXX management and the they would not remove my collections status off from the 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 2019-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have a VA loan with Ditech who has been misapplying the additional money that I have been paying since they took over my mortgage. I did not initially notice it because I was only paying a small additional amount over the monthly payment. However, over the last 5 months I have been paying over {$1000.00} additional to pay down the Principal of the loan and noticed they were holding the additional money in what they call a UF. It would stay there until I called in each month to tell them that each should be automatically applied to the Principal. When they would reallocate the additional money, they are suppose to apply it to the actual date that it was received, not the date I called in to report it. However, they continue to do this. My VA Loan contract in Section 2 states that any additional money over the payment should automatically go to the Principal of the loan unless there are other charges, e.g., late fee. I have never been late. 

I went through the XXXX to complain and was not satisfied with the response since they still did not abide by my VA Loan contract nor make the corrections. ( I have attached a copy of Ditech 's response to my XXXX   complaint ). Additionally, my Certified Public Accountant performed an audit of my account in response to Ditech 's response which I have sent to the XXXX. 

I understand that the CFPB organization is the one that handles situations with mortgage companies and can investigate reported complaints. I am a XXXX veteran and hope that you can assist in getting this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: Nelnet, Inc.
State: LA

Complaint narrative:
Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a single mother. I recently tried to purchase a home and was denied because of my credit. So that inspired me to pull my own credit report to see why i was denied. To my discovery there were several accounts on my credit report that was not authorized by me ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
While driving through XXXX Nevada I stopped for diesel fuel. The station had place regular leaded gasoline into the holding tank. I was the XXXX truck that ended up in the local garage that had been ruined by this gas station. My insurance company, USAA chose not to proceed against the station. On XX/XX/XXXX USAA paid {$2800.00} towards the repair of my truck after I paid my {$500.00} deductible. The repairs made and paid for were not done correctly. I continued to have problems from the original incident through the entire year of XXXX and XXXX. Finally on XX/XX/XXXX I had to have my engine rebuilt. The auto garage doing the repairs and myself were in contact with USAA as this was an insurance issue. I needed my vehicle for my job. The garage would not release my vehicle without payment. As this was an insurance issue, they refused to pay which is why I drew the money on the credit card check in the amount of {$6100.00}. From that date forward, I began my phone calls to USAA explaining why they should be responsible for payment as this was a valid insurance claim. 

I had advised USAA that this was a highly disputed account and they assigned my account to a collection agency anyway. The last bill I received said I owed {$17000.00}. How can a bill that is only {$6100.00} go to over {$17000.00}. Please help me get this matter resolved. Isn't there a time limit on how long they can try and collect a disputed account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
As of the date of this letter you and and have violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Company has not validated this debt. I have been communicating with this company about this account for months now and all I have received is the same print out statements. I requested validation docs for personal information, signature of services rendered and contracts of any kind giving them the right to take payment from me and they have failed to send me all of this! This account keeps getting verified with the credit bureaus and I'm not understanding how this keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
good morning. 
my name is XXXX XXXX XXXX from XXXX JPMORGAN CHASE BANK, XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX United States has transferred amounts of money to my bank account in XXXX ( XXXX XXXX XXXX by name XXXX XXXX XXXX, account number XXXX, on XXXX of XX/XX/2019 ),  unfortunately my account above has been closed since I never saved some money anymore. consequently, I have not received the money up to now. 

in accordance, I do need your help to inform the sender Bank, how I can get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Im a 100 % 22 years XXXX  military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Another account that I have been trying to validate and they failed to do this. Keep sending the same vague printout information. No proof of ownership, no proof of my personal information, no proof of signatures rendered for this service. This account keeps getting verified by credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: American Credit Acceptance, LLC
State: MI

Complaint narrative:
Listed below is a loan I didnt apply or agree thats been on my report for 6 years CREDIT ACCEPTANCE CO Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Listed below is a loan I didnt apply or agree thats been on my report for 6 years XXXX XXXX XXXX  Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
XXXX XXXX is refusing to delete this debt. I have paid this medical bill 5 months ago. All my information on my credit report needs to be updated ASAP! And all old accounts that's over 2 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
ECMC and US Dept of Education get {$100.00} from me every month, and they continue to say that I am in default or late. then XXXX College is charging me and I couldn't even attend the school. I disputed the amount and they are still on my record.

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