vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: MN

Complaint narrative:
I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
My homeowners insurance was originally due in XXXX. I received notice XX/XX/XXXX from XXXX XXXX that the policy has yet to be paid by our mortgage account with XXXX XXXX. We have sufficient funds in escrow to pay this policy. The insurance company has been in constant contact with XXXX and they have been told numerous times that the payment would be sent overnight but it has yet to be done. The insurance has extended the due date til XX/XX/XXXX for this to be paid to protect myself, the homeowner. I need help to get the mortgage company to pay this payment out of my escrow account like they are supposed to. Dates of contact ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Coinbase has frozen my account since XX/XX/18 and Ive already tried countless times to contact them to fix the problem. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Good Afternoon : I was sold a vehicle with a rebuilt title during my bankruptcy proceeding. Since I had the vehicle from XX/XX/2016 there have been major over hauls done on it about {$5000.00} worth. In XX/XX/2016 while on Family vacation in XXXX the truck stopped on us and would not restart. I purchased a battery and new starter neither of those fixed the issue, so my brother ended up towing us to XXXX. 

I emailed XXXX XXXX XXXX the Vice President of XXXX XXXX   and XXXX XXXX a account rep on XX/XX/XXXX. I asked them to come get the vehicle because I was not going to pay for a truck again that I could not drive they have not came yet. XXXX XXXX keeps calling and sending emails saying I can't run from my responsibilty and that I still owe a debt. I emailed agin on XX/XX/XXXX and no one has come get the vehicle. I need them to one STOP CALLING MY JOB. We can't receive personal business call and two come get their vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX calls my job again I will pursue legal action against her and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: TN

Complaint narrative:
I was unable to make payments due to financial hardship. Relocation that nearly made my family homeless. I asked if I could get a forbearance, and was denied. I was told that I HAD to pay a certain amount by the end of the month or I would owe more. Unable to pay my loans because of re-location complications and job loss, this company has now gone as far as harassing my parents even though they have asked for the calls to stop. Going further, the last debt collector who called my parents has used the names of people I used to associate with, including one I have a XXXX XXXX against for XXXX my child. Now, I am being threatened with a law suit and that they will call my daughters father who we have a XXXX XXXX  against!!! They also threatened to call family and other exes of mine that I can only assume they received information via the internet. Mind you, I had previously received a letter XX/XX/2017, stating that my debt was going into collections and now, this company calls people asking what vehicle I drive, where I work, and who I know, AFTER they were going to send my debt into collections. While I have not paid the whole amount, I have paid back more than I borrowed and none if it went to principle. It has all gone to interest. Seriously, striking fear into me by using my daughter 's fathers name. This man XXXX XXXX, XXXX my youngest daughter and XXXX my oldest daughter and they want to use his name while trying to get me to pay for my debt that I CAN NOT pay!!!!!! He wasn't even on the LOAN!!! I am beyond furious!!!!!!!!!! I have gone through enough XXXX while trying to keep my family afloat through all of the XXXX   we have gone through and I regret EVER using this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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:
Hello. I leased new XXXX XXXX from local dealer XXXX  XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call XXXX and tried to dispute this info with credit bureau and XXXX still refusing to take it off. I also got a letter from local XXXX dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, XXXX credit department refused to delete late payment of off my credit.

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 2018-05-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I XXXX XXXX went to close my bank checking account at TD Bank and the manager told me that my account would be closed automatically after 30 days if no charges were posted. 
And the reason why i am here today is to inform that i never was notified by the Bank Institution allowing me to know that my account was overdraft with extremely high interest rating posted on my XXXX report preventing me to open a new bank account anywhere in U.S.A. 
I also recently Filled a consumer Complaint with my Attorney 's General and XXXX regarding this issue. 
Reason why took me so long to solve this issue was only because recently i went to try to open a bank account and i got denied because of what TD Bank is charging me out standing fees that i don't believe these fees were supposed to be charged to begin with because my account was closed by me before these fees were applied. 

Thank you very much for your time and hope to hear from CFPB as soon as possible to help me waive these outrageous Bank fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " Navient '' they being sued and this needs to be off my credit report Navient needs to remove this asap NAVIENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, XXXX and Trans Union credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.

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 2018-05-22 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: MN

Complaint narrative:
I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my Experian, XXXX and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.

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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
The mortgage company has PMI on the loan. I have reached my Loan to Value of 75 % and the mortgage company is looking to force my into paying for another appraisal. I already have a licensed appraisal

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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I signed up for a " XXXX XXXX '' card about 3 or 4 years ago. To save during the holiday season. The next month. the bill came. I paid it off in full. The next month I got another bill for like {$1.00}. I paid that then cut up my card. Never to hear from them again until 3 or 4 yrs later.  Which is now. They continue to harass me by sending me bills. I call them and waste a couple hours of my time fixing the issue by talking to many supervisors. I called Chase and XXXX and was told this matter is fixed. That account is closed. I can not so much as be sent a bill by mistake, and yet it still continues to happen. The last person I called said that it wasn't a bill at all. It was like a letter of my history. It was a bill with " minimum payment amount '' on it. He didn't know what to say about that. I have called Chase several times. Im told I OWE NOTHING and that the matter is FIXED. I have spent hours of my time on the phone speaking to one supervisor after another. Im told its FIXED each time. Then the next month comes with yet another bill. With a different amount. This is harassing and I WANT IT TO STOP. I have told them as much, and yet it continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: MN

Complaint narrative:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, Equifax and XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap 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 2018-05-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau Services, Inc.
State: TX

Complaint narrative:
This is not a debt I accrued. The debt is under a last name of XXXX. My name is XXXX XXXX. I have called the collection agency but they are very rude and I do not believe that they are taking me seriously. This is not my debt. What do I do? 

This is the info on my credit report : Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7100.00} Amount {$7100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Calling 3 times a day from XXXX during work hours. This could jeopardize my employment and needs to stop immediately. They called at XXXX XXXX  ; XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; and XXXX XX/XX/XXXX and do not leave a message. This harassment is unacceptable. I have no account with this company as upon looking up their name they are Receivables Performance Management.

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 2018-05-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax fraudulently illegally and intentionally withholding anticipation refund, fresh start to conspired against employment subsidies plans permanent protection plans on XXXX XXXX XXXX And XXXX XXXX XXXX causing Homelessness on XX/XX/XXXX form Homeowners Parcel permanent paid in full address XXXX XXXX XXXX XXXX , louisiana XXXX stolen by fraud and forced scams taking Internal revenue services public transportation subsidies programs tax payers and first time Homeowners Deeds that holds certain pieces or portion of Ground together with all of the buildings and improvements and all the rights, ways, privleges servitudes and Advantages in XXXX XXXX state of louisiana XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX bounded by XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX as shown on survey by XXXX XXXX XXXX dated XX/XX/XXXX return Homeowners 100 % Deed property address XXXX XXXX XXXX XXXX , louisiana XXXX back to rightful owners XXXX XXXX XXXX & XXXX XXXX XXXX immediately ASAP stamped forever Free from salvay under signed notary by Attorney XXXX XXXX XXXX until death by signed on XX/XX/XXXX foward to XXXX XXXX Government Building and convenience office and resolution matter resolved and restore back To rightful Homeowners XXXX XXXX XXXX And C/o XXXX XXXX XXXX immediately removing off property XXXX XXXX XXXX XXXX , louisiana XXXX forever XXXX XXXX XXXX and XXXX XXXX XXXX eviction notice served now by XXXX XXXX Sheriff 's and XXXX XXXX Constables and fraudulently fake fase Default desion against XXXX XXXX XXXX And XXXX XXXX XXXX rightful Homeowners of property address parcel # XXXX permanent Homestead exemption records of receipts and closing costs paid in full notorized by Title Insurance underwriter XXXX XXXX XXXX XXXX producer license # XXXX notary public Bar XXXX state ID number XXXX

Company response to consumer: Closed with explanation