vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
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: NV

Complaint narrative:
Your company Capital One, Kohls did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
You can prove that this process mandated by the FCRA took place between your company, XXXX and XXXX consumer reporting agencies?
Capital One Bank, KOHLS did not respond to dispute letter XXXX-2017 Per the Fair Credit Reporting Act section 611 your company did not  complete an investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
On X/XX/17 received a letter from Pudget sound collections in wa state. PSC account # XXXX. For XXXX Interest : XXXX = XXXX I paid them X/XX/2017 In  full they gave me a receipt to take to DMV to have my lic unsespended..Have the receipt.. Now they say I still owed them {$55.00} plus {$360.00} In Interest.. That does not sound fair to me. have a receipt with SIC on receipt saying paid in full case closed.

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 2017-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I Spoke with XXXX XXXX re PMI payments were not removed. I have had this mortgage for 14 years, modified XX/XX/XXXX to 4.125 rate FHA 30 year fixed. 
XXXX Claimed pmi was removed XX/XX/XXXX but this was a false statement, she continued to place me on hold and and agreed my payment was NOT decreased, pmt decreased due to tax and ins not pmi.XXXX informed me that they will RESEARCH and call me within a week, that following Mon as I told her if I dont hear back I will report it. NEVER heard from WF since! Never followed up ... of curse! IGNORED AGAIN.Its in my phone records if you need a copy. 
PER FDIC HPA law Lender must inform me that can cancel when I have 20 % equity or auto cancel. WF NEVER sent out any notices re PMI at all! NEVER, They have no right. My mortgage payment increased again this year. See mortgage statement attached.They also closed my checking so I wouldnt have access to my act/ this info ; however I made screen shots that day! They have refused to allow me to review my account online. OVER 4 years have gone by paying my mortgage on time every single month and still paying PMI and I have paid OVER 20 % equity and pmt increased. -statement clearly shows XX/XX/XXXX thru XX/XX/XXXX payments stayed the same {$920.00} now pmts are XXXX, do I not have any rights and WF can do whatever they want? I cant trust this bank as they continue to lie

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, National Association
State: CA

Complaint narrative:
I had previous mortgage loan with Newyork Community Bank ( NYCB ). Loan # XXXX I recently refinanced with same lender in XX/XX/XXXX, loan #  XXXX, and escrow was signed onXX/XX/XXXX. Title company for refinance was XXXX XXXX XXXX XXXX chosen by lender. I made XX/XX/XXXX payment for previous loan ( XXXX ) which was posted on XX/XX/XXXX and  money got deducted from my account by XX/XX/XXXX. Therefore final principal payoff amount was {$420000.00} ( not {$420000.00} ) and new funded loan was for principal amount {$420000.00}. I waited till 3rd week of XX/XX/XXXX to  received difference between previous pay-off and new loan amount {$680.00}. After that I called NYCB and they opened inquiry within and promised to give me call back within 48 hours. Never received call or voicemail. After that I sent email through secure messaging system in my login account on XX/XX/XXXX. Followed up 3 times after that but no response so far. I did receive check for {$2200.00} from NYCB that was for balance in escrow account which was there for property tax payments at the time of closing. I still need to receive {$680.00}, which is difference between previous payoff and new loan amount which NYCB is reluctant to give me. I called title company as well and they said I need to deal with lender for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I tried to make an additional principal payment, using my lender 's web site ( afrmortgage.myloancare.com ). 
To my surprise, after I entered all the details about my payment, I received an error message " Additional principal must not exceed 20 % of the current principal balance of XXXX '' ( see attached screenshot, the message is in red at the bottom ) This 20 % limitation violates the term of my loan - there are no limits on additional principal payments there. 

I have reached out to my lender via Contact us form on their web site, but received no response. 

On XX/XX/XXXX the same thing happened again, so the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.

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 2017-10-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Your company XXXX XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.

Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not  subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
XXXX XXXX XXXX XXXX did not respond to the second dispute letter sent on XX/XX/2017 Per  the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Credit Report Inquiry XX/XX/XXXX Your company Citi Bank BestBuy Card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
You can prove that this process mandated by the FCRA took place between your company and XXXX  consumer reporting agency? 

Citi Bank XXXX, Best Buy did not reply to both dispute letters sent XX/XX/XXXX and XX/XX/XXXX. 
Per the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.

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 2017-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I spoke with XXXX from Equifax and she explained a service was offered back in XX/XX/XXXX for free Complete credit monitoring for a monthly period and it would cancel automatically. I contacted Equifax immediately in XXXX of XXXX and requested a cancellation and my card information to be removed. Equifax began charging my card XX/XX/XXXX for {$12.00} for a total of 4 months equal {$51.00} and switched it to a XXXX for {$17.00} and charged me and additional {$390.00} stating it would cover 22 months. I have been charged a grand total of {$440.00} I had no knowledge of this and I was told by XXXX at Equifax she could only dispute. She stated she has cancelled the subscription and if I am disputing the charges as unauthorized I would have to speak with my banking institution and she said her floor supervisor was not on the floor to offer me any credits back and she could only apologize to me for the inconvenience. I am furious. Especially with the recent breach. I need to be fully refunded for this as this is theft. My banking institution has been notified, blocked the merchant, however the bank advises me to contact agencies for assistance with holding Equifax accountable. I event went to the website and entered my social security number, last name, and they could not access an account. I took a screenshot of that for my records. I asked if they could tell me the last time the account was accessed since and XXXX told me she could not provide me with the information. She said she could only provide me with the account payments for the free credit monitoring and she was also unable to tell me how the services were upgraded from the {$12.00} to the {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I recently pulled a copy of my credit reports and found inquiries from XXXX XXXX XXXX. I reached out to the company on XX/X/17, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I ASKED EQUIFAX TO VERIFY AND SEND ME VALIDATION OF THEIR DOCUMENTS WITH REGARDS TO THE BK LISTED ON MY BUREAU. THEY ADVISED THEY " VERFIED '' WITH XXXX XXXX. I SPOKE TO XXXX XXXX WHO ADVISED MY CONSUMER REPORT IS FROZEN AND THIS INFORMATION WAS NOT VALIDATED. I WOULD LIKE WHAT WAS SENT TO EQUIFAX TO VALIDATE THE BK. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Your company Synchrony Bank, Care Credit did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus.
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that
information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional 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 2017-10-03 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I recently pulled a copy of my credit reports and found inquiries from Wells Fargo EFS. I reached out to the company on XXXX/XXXX/XXXX, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.

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 2017-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. 
My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. 
ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. 

I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. 

They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.

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 2017-10-03 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: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with Whitney ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in  employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" Whitney sent a XXXX  in XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently WhitneyXXXX XXXX is in violation of Federal and State of  Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge.
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.

Company response to consumer: Closed with non-monetary relief