vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: OR

Complaint narrative:
Keep getting calls. Looked up number and it said it was from Tate and kirlin associates. I had remembered getting something in mail from them claiming I owed them {$100.00} some dollars on behalf of some company called XXXX XXXX which I had never heard off and lettter had no description of anything of what it was. Looked up online and see tons of complaints from people saying they get letters claiming to owe the same XXXX XXXX place and not knowing what that it. When searching for XXXX XXXX, there is no website that pops up, no info on what the place supposedly does or sells nothing. Only info that pops up is ripoff complains threads with people saying same thing, claim they owe and have no idea what it is, some claim they called and said it was for some supplement trial they never returned and are being charged or some scamming thing. I have not ordered any trial supplenents. Did find website ( link posted ) mentioning this scam from a company called " XXXX XXXX '' where packages show up at people 's doors they did not order, they send it back and then get collections notice from this Tate and kirlin place and another place saying they owe that place. I never received any random package either. XXXX XXXX XXXX Everything I have read sounds like this random XXXX place and debt owed is a total scam and this collection place is trying to collect fake debts from people so therefore they would be scamming people too. I sent Tate and kirlin several messages about calling and that I had no idea what this XXXX place was and even sent them the link to article. They kept calling my cell phone XXXX XXXX XXXX which is my only phone number. I called back and left them voicemail too telling them this seemed like a scam and I didn't know what the place was and there is no info on them and to send proof in mail of real debt from real place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
ON XX/XX/2013 I SOLD THE CAR TO THE TOWING COMPANY XXXX IN CALIFORNIA THE DMV SEND ME A MAIL IN THE MAIL STATING THAT I STILL OWN PLATES AND CITY STICKER FOR THE CAR WHICH I NO LONGER HALF AND I EXPLAINED XXXX THE DMV THEY STATED THAT I HAD TO CALL THE FINANCE COMPANY WHICH IS NISSAN MOTOR ACCEPTANCE WHICH I DID THEY STATED THAT THE TOWING COMPANY HAS CALLED THEM AND I ASKED FOR A LETTER STATING THAT I DONT HAVE THE CAR NO MORE THEY KEEP GIVING ME THE RUN AROUND I JUST WANT THIS SITUATION RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CA

Complaint narrative:
On XX/XX/XXXX I notified my local law enforcement about an identity theft where a long time ( former ) friend had used my information to fraudulently obtain a large student loan in my name, when she was supposed to be helping me through a medical crisis. During that time, a separate fraudulent account opened with XXXX was also discovered. The original account that resulted in the initial police report has since then resolved and cleared from my credit. However, during the past two years, XXXX has made it extremely difficult to have the fraud removed from my credit reports and there are still fraud based negative reports on two credit reports that they are still refusing to remove. XXXX has been provided copies of the original police report through US mail, which they claim they have not received, and email correspondence. I have made several phone calls to XXXX fraud, the most recent dated today, and additionally XX/XX/XXXX, and XX/XX/XXXX ( three phone calls ) to resolve the issue. This doesn't include the numerous previous phone calls. XXXX claims that they have not deemed the account as fraudulent because, based on their policy, their company is not listed on the original police report. However, my credit reports state otherwise, with XXXX collection accounts having been removed on all three credit reporting agencies, and the original XXXX account removed with XXXX. However, during my XXXX PST phone call with XXXX fraud this XXXX, their representative advised me that the remaining original accounts will not be removed from Equifax and XXXX until the police report is amended or a new one is made to reflect their name specifically on the report. I am in contact with my local law enforcement and waiting for a reply from a deputy, although their dispatch is absolutely in agreement that the level of care that has been taken in the matter is not only greatly lacking but, basically, XXXX. I have also been in contact with the credit agencies and was advised by Equifax representatives, on Thursday, XX/XX/XXXX, that I have to contact law enforcement to find out the outcome of the fraud investigation to have the credit company remove it from my report. I asked how that is possible when the report was forwarded to another state and becomes confidential information and was told, basically, that was their policy and my problem to figure out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
HERE IS EMAIL SENT TO SETERUS CEO XXXX ; XXXX XXXX -I have tried for the last six weeks to pay off my mortgage but keep having checks sent back to me and wrong amounts and a XXXX XXXX XXXX telling me to call whomever y=the XXXX I want to call? 

I have had a Equity Accelerator program and did not know that the last payment had to be made in certified funds as I am not XXXX and would appreciate a courtesy call before I take legal action and write about this in over twenty publications across the country? 

Your company has returned two checks from XXXX XXXX and have messed up my credit and charged late fees which I believe should not be charged as I have tried to resolve this for the past six weeks??? 

My cell is XXXX and would appreciate a courtesy call? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
This was 25 years ago needs to be off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: CA

Complaint narrative:
I was contacted by phone on XX/XX/2018 to collect a supposed debt. When I began asking questions regarding what their company name and mailing address was to send them a letter requesting verification of the debt and requesting them to stop contacting me, they would hang up the phone. I had to call them four more times before I spoke to someone named XXXX who gave me the company name XXXX XXXX and a P.O. Box address. When I asked if this was the appropriate address to send mail and if not could I have that address I was transferred to a " manager '' named XXXX XXXX. who explained that they were collecting on behalf of XXXX XXXX and that their company name was Unifin. When I asked if the P.O. box address would go to XXXX or Unifin and who I should address the collector XXXX XXXX. could not provide a straight answer. The company said that they have sent multiple communications by mail, but I have not received any letters or any way to contact the company by mail, or phone except when they call and then hang up when I ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, we sent an insurance check of {$5500.00} to XXXX XXXX. According to their company policy for checks under {$10000.00}, they are to endorse and return within 5 days after receipt. They received the check on XX/XX/XXXX. I received a phone call today asking the loan number that this check applies to. However, this loan number is written on the face of the check. The representative said that management is confused and will not release the check. 

Previously for a separate insurance claim, XXXX XXXX did the same thing of sitting on checks and refusing to release the funds. This previous issue extended over a period of 3 months, wherein they refused to release over {$70000.00}. It wasn't until I processed a complaint that they released the funds. For this reason, I am filing a complaint now so that Paramount doesn't have a chance to draw this out for 3 months as they did before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I opened an XXXX XXXX XXXX in XXXX which included a trial of XXXX XXXX for 30 days, beginning on XXXX XXXX. On XXXX XXXX I was charged {$11.00}, on XXXX XXXX {$11.00}, and on XXXX XXXX {$12.00} for a total of {$35.00} for XXXX XXXX. I was not sure how to cancel this membership which I did not need, want or use, so I sent them an online message on XXXX XXXX and asked them to credit back the charges. On XX/XX/XXXX they sent me about 34 pages of documentation, much of it repetitious, supporting the charges they had made. I sent them another message explaining that I had not used the service during the 3 months I was charged and asked again for credit. They replied that I should call them, which I did on XX/XX/XXXX. When I called them, the service rep would not discuss anything about the dispute, but told me that the dispute was still ongoing for another 30 days. Meanwhile, I was charged interest of {$1.00} on XX/XX/XXXX and sent another online message disputing that charge. They did refund the interest on XXXX, but then charged it again on XX/XX/XXXX. When I disputed the 2nd interest charge, they told me the case was closed and they would not refund the interest. I was never allowed a chance to discuss the issue on the phone or furnish them with evidence that although I was charged for 3 months of XXXX Membership, I never used the service. I have attached proof in the attached emails that I never used the membership.

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 monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
state tax refund was intercepted due to vehicle toll tickets for a vehicle i sold in XX/XX/2016, i provided collector with vehicle release of liabilty but they sent notice they did not have to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized ATM withdrawals were made on my account starting XX/XX/XXXX-XX/XX/XXXX. 20 total unauthorized transactions were made in the total of {$2000.00}. My debit card was never lost or stolen, and was always in my possession. On XX/XX/XXXX I received an alert on the chase app that someone withdrew {$200.00} from my account. I immediately got on the app to find 19 similar transactions, which were under {$120.00} so i didn't get any alerts ( default settings ). I also got an email from chase because they suspected fraud on my account because the person got declined twice. I then called Chase and opened a fraud claim, and cancelled the card. Chase gave me a temporary credit and informed me they would do more investigation. A few weeks later they reversed the credit. I called the claims department, and the claims department lead began to tell me that they couldn't prove that it was or wasn't me, therefore they will not reimburse me. Not only will they not reimburse me but they wouldn't even tell me the product of their investigation. The person who made the transactions made them in XXXX  XXXX, I've never used the these ATM 's. 

Since then I have filed a police report, reported identity theft with the FTC and I am in the process of trying to get the video evidence from the ATMs they used to prove it wasn't me. 

I am a Vet and hold a Veterans account with chase and have been with chase for about 7-8 years. This is completely unethical and should be against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
National Commercial Services sent a letter saying they were acting on behalf of their client, XXXX XXXX, Client Re. No : XXXX, Account No : XXXX, Balance of Claim : {$7900.00}. I have no such debt with XXXX XXXX, or anyone else. The letter was as follows : Please be advised that your account has been referred to our internal Legal Department for review. The referral of this matter takes place only after traditional collection efforts have been exhausted. ( There have been no collection efforts made regarding this ) If our Legal Department does indeed qualify your account for litigation and there has not been a resolution as to the outstanding claims, we will assign the file to one of our contracted attorneys in your area to commence litigation. 

It is our sincere desire to avoid the time, expense and inconvenience to all parties brought about by a lawsuit. In that respect, we are willing to consider all reasonable proposals. 

This is a time sensitive matter. Please contact our office immediately in order to resolve this matter without further action. We look forward to your prompt reply. 

Online Payment : Please visit https : //secure.ncssubro.com/payment Hours of Operation - Pacific Standard Time : Mon-Fri XXXX XXXX - XXXX XXXX Sincerely, ALL CORRESPONDENCE SHOULD BE SENT TO XXXX XXXX National Commercial Services XXXX Ext. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX I have not replied in any way to this letter, believing it to be an attempted scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy Cash sent postcards to my house saying that I could take out a second title loan on the same vehicle for which I already have a title loan. In addition, it wasnt made clear to me that the annual APR is close to 100 %. I feel as if this is a predatory practice and also have been informed that it is not legal to have 2 title loans out on the same vehicle. I have suffered a great financial burden as a result of this predatory loan and I would like it to be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing in reference to address XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX on my credit file which does not belong to me. I contacted TransUnion explained to them I never been associated with this address in fact there is no such street in the town. The rep confirmed, she would removed the address and send me an update copy of my credit file. I received a new credit report file # XXXX and this address error is still there.

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 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Last XXXX, I signed up for a credit card auto-pay at Bank of America. 
The auto-pay was to pay my credit card from my bank account. 

Last XXXX, I found out that my credit card was not being paid. 
I called customer service and they did not know of any auto-payment. 

I went to my local BoA to address the matter. 
The woman who helped me called customer service and came back and told me that they are investigating the matter. And in 2 weeks, that I would get a phone call w/ an explanation. 

2 weeks later, no phone call. No explanation. 

I called the branch and they did not know of any investigation or why I was told their was one. The woman who, told me their was one, did not work at that branch, she was just working at that location on that day. 

They gave me a number. I called. It was another customer service line. And they did not know about the auto pay or the investigation. 

I called the branch again, and they scheduled an appointment with me. 
The branch manager apologized and deducted that the auto-pay form did not go through the proper channels- and was lost and/or discarded. 

When she called the head offices and explain the matter, they put me on the phone with a rep. The rep said I was about to go to collections but they stopped it, and took approx XXXX dollars from my account and put it towards my card. 

The branch manager apologized again. And I left. 

What I did not know-at the time was that tmy credit card was shut off ( its a Bank of America card ) and that my credit scored suffered greatly because of their mishap. 

If possible, I would like this matter investigated and have my credit score reassess.

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 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied and obtained a credit card account with XXXX XXXX/ synchrony bank while I was in college I worked for XXXX XXXX part-time. I was never late on making payments throughout my time in college because I maintained steady income from my part-time job. I recently XXXX from college and my part-time job ended.Presently, I am currently unemployed looking for stable employment. Due to this hardship I was unable to make any payments any longer and I realized that the debt I incurred was discharged and marked delinquent onto my credit reports. I want to take full responsibility and possibly work-out a payment plan with synchrony bank once I'm gainfully employed full-time, however I just learned that synchronybank/XXXX XXXX sold the debt and remaining balance to a debt collector ( XXXX XXXX XXXX, XXXX ) and they filed a lawsuit against me in the XXXX county court here in XXXX, Ga. They come out to my home with court documents on XX/XX/18 and case number for the lawsuit # XXXX. I have been very distraught about this matter.I think there debt collection practices are extremely agressive. I'm willing to mediate with synchrony bank to resolve this matter if there are any options availble for me and my current financial situation.

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 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are two fraudulent accounts on my report for XXXX XXXX XXXX for {$610.00} with Transunion and XXXX, and XXXX XXXX XXXX for {$370.00} with XXXX. I filed the disputes back in XX/XX/2017 and it's STILL under investigation with Transunion.

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 2018-04-24 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: Credit Karma, LLC
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and as i was looking threw my credit report ; I came across a hard inquiry from XXXX XXXX for a past due bill I payed months ago .please help me get this removed from my credit report as it was resolved a long time ago. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX XXXX XXXX on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But XXXX XXXX XXXX didn't follow through with the same actions. I would like for XXXX XXXX XXXX to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case Experian has not been following the Law.

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