vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: RP Field Services LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX XXXX Applie4d for and job online told failed background check gave me a number to call I that, to date no call back nor told what I failed They me to keep calling for the information, I am a certified Notary I have a background check which I past and two other for jobs I shouldn't have to keep calling for the information XXXX XXXX Reply | Fri XX/XX/XXXX, XXXX XXXX   XXXX Why was I declined, I called and left messages no reply form XXXX XXXX @ XXXX. 

Sent from Mail for XXXX  XXXX XXXX XXXX | Fri XX/XX/XXXX,  XXXX XXXX XXXX, I want to apologize. When we called we were calling from a list of people that had been to our site. For some reason your name was on there. I see where you were declined back on the XXXX. I am sorry about the confusion. I have attached a copy of the email that was sent to you on XXXX about you being declined. I was out of the office that week and did not know. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: GA

Complaint narrative:
I have wrote several letters asking for method of verification of accounts that are in reference to s dispute that includes report # XXXX dated XX/XX/2018. They are sending system generated letters instead of following section 609 ( a ) 1 ( A ) which requires them to send me verifying information, when I request. They are aware of what I'm asking for due to detail letters I have sent them on XX/XX/2018 and XX/XX/2018. The company does not have a phone number to call a human to help them understand what I need, everything is automated or electronic verification.

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 2018-08-16 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: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I filed a dispute in XX/XX/XXXX with American Express in the amount of {$16000.00} dtd XX/XX/XXXX. The charge was from the company, XXXX XXXX. The reason for my filing was this company had their business operations shut down by the FTC for making false claims and misleading consumers. I considered this as a scam and breach of contract. I gave American Express all of the supporting documents regarding the case and let them know that the business operations had been shut down and they denied my dispute twice because they could not contact the merchant ( of course they couldn't the FTC shut them down! ). That is the only reason I was given. Out of 7 different credit card disputes I filed for the same merchant and reason, American Express is the only one that denied my dispute. All the other companies ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) I'm not sure if this is considered a complaint you would investigate or if I have any other recourse. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Monthly payment is too high and can not afford. Unable to reduce.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: I.C. System, Inc.
State: TX

Complaint narrative:
The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX   who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. 
I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. 
With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit.

I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. 
I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. 
I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX 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 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
I contacted movement mortgage and was dealing with a lIan officer by the name of XXXX XXXX. he told me once I get my credit score so at least a minimum score of XXXX I can move forward well when he pulled my credit on XX/XX/XXXX I had a credit score of XXXX being my middle score. So on this past Monday I submitted all of my documentation its far as my income and XXXX told me on Sunday to allow him until Wednesday for him to work his magic and XXXX give me my approval he told me I was looking at getting approved for XXXX so now is something totally different he has been dancing around it now he said he cant get it approved is very unprofessional very unprofessional and Im filing a formal complaint not only against movement mortgage but also against the loan officer because he fed me a bunch of lies. When I first met with him on the phone I told him I was in credit repair and I signed up back in XXXX of this year he told me if he can get a letter of explanation we can move forward now again its something different

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: CA

Complaint narrative:
The reason for my filing of these complaint is to state that capital one is being un reasonable. I had disputed late payment history of my cap one account ref number : XXXX XXXX XXXX on XX/XX/XXXX. This account was closed on XXXX with late payment around XX/XX/XXXX. I stated clearly to Capital one all the errors from system to bank reporting that occurred that made me not to be able to make payment in time. 

Capital one representative advised me that they make good will adjustments for system error and medical issues. As a result, Capital one requested me to provide proof of my not being able to make my payment. I sent capital one a letter from XXXX XXXX that explains the error and shows I had over {$16000.00} in my bank at the time the payment was due. It was never my intention to be late in paying my obligations with this company. Were it not for the system error, I would have maintained my 100 % credit record. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one executive resolutions flatly refused to remove the late payment history, I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Attached herewith are : 1. Dispute letter to capital one 2. XXXX XXXX Proof of system error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have been in contact with Navient and Sallie Mae concerning my student loans however just fail to inform me on the repayment options. Basically they kept demanding what amount I should be paying a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
let me start off by telling you this is the 3rd card issued to me since i had opened it back in XX/XX/2014. there has been numerous times of fraudulent activity on this card. this time i reported as usual in which they credited me the amount and of course they will dispute it with the merchants. after they credited me the amount the merchant also credited me the amount in which the card co took back their credit, and now that the card was paid off in full, i see the fraudulent amount now back on my card but billed to me to pay.. i have call this card to get an explanation and they told me because i was credited twice and the card now paid off they were looking for that amount to be paid back to them, but i received a letter stating they were aware of the merchant crediting me and they were reversing their credit so the merchants credit would be applied. that was back in XXXX my card was paid off in XXXX. if they reversed their credit to honor the merchants isn't that a wash, they got their money back!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I have an outstanding debt with XXXX which has assigned Contract Callers , Inc to collect this debt. First, I never received notice of debt owed, I only knew of it when it showed up on my credit report this month. I am trying to get approved for a VA mortgage and the credit counselor said I needed to pay the debt in full and get a deletion. So I contacted CCI to do a pay for delete and they said that their XXXX contract doesn't allow them to do a deletion only updating credit report but for me to call XXXX to have them ok CCI to do the deletion after full pay..I called XXXX collection department and they had no idea what CCI was talking about, they said as long as it is paid in full they could delete it. Called CCI back and they said oh you need to call client services at XXXX which they have no phone number for..basically giving me the run around. All I want to do is pay my debt in full and have them delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I logged onto my XXXX XXXX account today ( XXXX ) since they update my reports weekly on there. I had notification of a derogatory remark. And I noticed it was from Diversified Consultants collecting for XXXX in the amount of {$330.00}. The collection account was opened on XX/XX/XXXX. I never received any communication from this company saying i owe this nor was given my right to dispute within 30 days. Which i am going to dispute this account as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
XXXX and XXXX on XXXX XXXX XXXX, XXXX  XXXX Ca XXXX, ( XXXX ) XXXX, called my relative ( adult son ) and told them I was going to be served with a summons/judgement and that a civil suit was being filed against me.I received the number from my son and called XXXX and XXXX back and was connected with someone who stated their name was XXXX XXXX .He proceeded to tell me that I owed XXXX XXXX {$7300.00} from 1998 which has been gaining interest and fines.I told him I have no idea what he is talking about I have never had an account with XXXX XXXX and that is was identity theft.He then proceeded to tell me that I could pay the money or be taken to court and have my salary/wages docked. 
I am a XXXX XXXX XXXX and was frantic to find out what this was about because my son called me frantic, so I called him during my lunch hour, and he actually asked me if I always talk and chew food with my mouth full while I am on the phone ... which I realize that it is rude for me to talk with my mouth full, but for him to make a personal harassing statement to me about me trying to eat my lunch, while threatening me with a lawsuit, after I had explained to him that I had no idea what he was talking about ... made me suspicious that their law firm is shady and is trying to fraudulently get money..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: NC

Complaint narrative:
I have false Hard inquiries on my equifax report. I called them, I was told to contact creditors. I did. They could not find me in their systems, because I had never been a cust., and had never applied for anything. They said to call equifax and file a dispute. Equifax said the same thing again, nothing they can do, you can't dispute a hard inquiry, call creditors. I did that again. I have spent 4 hours on the phone and have gotten nowhere. It is a continuous circle. With no recourse. Exquifax also has my address wrong. They said that one creditor must have had the info. wrong when they updated my info. One out of 6-7 has it wrong so I am locked out of Equifax website. To correct it it takes an act of congress. How can one mistake, by one group mess me up like that? The biggest problem with dealing with equifax is the call center they use doesn't have people that speak good enough English to understand what I am trying to ask. They just keep repeating the answer to an irrelevant question, with no help of any kind. It is infuriating, someone somewhere has to be able to help me correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a loan with XXXX XXXX XXXX. 
The first loan I was able to repay they then refused to close my account. Later they raised my credit amount. I needed some extra money for a personal emergency and went back to take out a loan that I could repay in one or two months. Unfortunately I lost my job in this time and informed them that I would not be able to repay the loan as quickly as I had planed. After one missed payment the intrest on the loan was one thouand more than the actual loan amount. I released that repayment would be impossible and requested they close the account and put my loan into collections so I could make the payment back. They refused to close the account and after informing them that I could not repay the loan they told me that not only would they not close the loan but would continue to charge me interest even with no payments being made. I have no idea how much they will try and charge me before they actually send this to a debt collection or court. I am in need of help with this company. I also requested that they do not automatically withdrawal from my account and they did so anyway. they told me it was for convenience but it caused an overdraft on my account. I have now asked them to stop two times and now also another in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
XXXX placed me into collection for a balance due. Penn credit corp is the collection agency. XXXX have found that a large portion of the debt is fraudulent. I paid the small amount that they said I owed although I dont believe I did. Penn credit did not adjust the balance due or the payment and continue to falsely report it delinquent on my credit report even though Ive asked them to update the records to show that the account is not delinquent. I was also told to dispute the amount in writing. I did and received no response. I was also told verbally that they couldnt provide me with proof of the debt because it went back more than three months and they could not get invoices older than three months. This fraudulent report caused my credit report to drop 45 points. My credit lines were lowered which further dropped and the interest rate on my student loan increased from 6 % to 9.5 %.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I HAVE ASKED THAT PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.

Company response to consumer: Closed with non-monetary relief