vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ). 
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ). 
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: GA

Complaint narrative:
So, my complaint is that Equifax is not investigating any of my disputes of public record. I have challenged the accuracy, compliance and reportability of the listing in my credit report. Since XXXX, XXXX I have submitted disputes with Equifax 3 times referencing a public record of my credit report. Each time the results would say the public record was verified from information obtained from local, state and federal courts through a third-party vendor, XXXX. Well, I have had an active freeze with XXXX since XXXX, XXXX, and I have an active Suppression of public records in place. I have reached out to XXXX and they verified the freeze and the suppression. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws, and I provided a copy of this letter to Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating and then selling the information to credit reporting agencies. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Equifax Credit Bureau needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from my credit file. Equifax has not sent any validation documents. I 'm requesting assistance with this issue of them not properly investigating my dispute, per FCRA laws. I want the public record deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: DISCOVER BANK
State: PA

Complaint narrative:
My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN

Complaint narrative:
AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I went to a Bank of America branch to talk about getting a home equity loan. I described my situation in detail ( I needed money to renovate a home that my brothers and I had just inherited so that we could put it up for sale ; the house is held in a family trust ; BofA holds the existing first mortgage on the house ). I gave the banker a lot of information to get the paperwork started but I did not sign anything authorizing a credit check. However, the next day both my husband and I got notices from our credit monitoring service that our credit had been checked by BofA. One day later, a BofA rep called to get more info for the loan and in the course of that conversation I explained ( again ) why I needed the money. She put me on hold for a while and then came back and told me that the first bank rep had made a mistake and BofA would not loan money for a renovation in order to sell a home. I said I wanted to lodge a complaint and get the credit inquiry removed from our credit reports, since there never was any chance that we would be getting a loan. She gave me contact info for her supervisor and several days later I was able to reach him. He was apologetic but when I asked why our credit was pulled before we 'd given authorization he did n't have a good explanation, and when I said that I wanted the bank to contact the credit reporting agencies to get the loan inquiries removed from our credit reports he said he did n't think that was possible. That 's crazy. If BofA checks our credit without written authorization when they do n't even offer loans for our particular situation, then they should have to remove that credit inquiry from our credit reports so that it does n't affect us later on. The supervisor was very nice and kept saying " I promise this wo n't affect your credit '' but I do n't think I should have to rely on his promise -- I want that bogus inquiry removed! 

On top of this, the first banker misrepresented the loan costs to me when I was in her office in two different ways. First she said that it had a introductory rate of 2.99 % during the first year, but much later, at the end of our appointment, she said that the 2.99 % rate was not guaranteed for the first year and that it could vary. When I tried to get the details of how it might vary, she just kept saying, " Do n't worry, it wo n't vary. '' In addition, she neglected to mention the " Early Closure Fee '' for keeping the account fewer than 36 months that is described in the paperwork that arrived at my home a few days after our meeting -- despite the fact that I had been very clear about only needing the loan for about 4-6 months.

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 2017-10-25 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: CA

Complaint narrative:
In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from XXXX XXXX, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security National Automotive Acceptance
State: TN

Complaint narrative:
I had a car that was financed with SNAAC and repossessed in 2014. 

No deficiency judgment was ever obtained. I was never given a written itemized list of the amount owed and it is now appearing on 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 monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/17 my wife XXXX XXXX filed for Chapter XXXX Bankruptcy case number XXXX. The house was listed on the schedules as she is on title and has to list any properties she owns. She and myself are on title. She is not on the mortgage. My loan is with Chase. Loan number XXXX. Chase has now stopped reporting my account to the 3 credit bureaus as they state I am in bankruptcy. This is affecting me because I can not reaffirm the debt as I am not the one who filed for bankruptcy. My wife can not reaffirm the debt because she is not on the mortgage loan. I called Chase to inquire about this and they said my wife needs to sign a reaffirmation agreement. I explained to them she is not responsible for the debt she is only on title. The reaffirmation is only for the person on the debt that filed bankruptcy. I can not reaffirm the debt either because I have not filed bankruptcy. My wife has asked her XXXX XXXX   and she has advised her that Chase should be reporting the account as current because it is not her debt and I have not filed for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid XXXX XXXX A Professional Law Corporation, Attorney XXXX XXXX, XXXX # XXXX {$5100.00} to represent me in XXXX XXXX, Case No. XXXX. It is to my knowledge that Attorney XXXX XXXX was paid by Bank of America funds to which I also would like to receive from Bank of America. Bank of America foreclosed on my property, while I was trying to do a modification. The State Bar disbarred Attorney XXXX XXXX, XXXX. The Federal Trade Commission stated that case no. XXXX XXXX went to the U.S. District Court for the XXXX District of California. XXXX XXXX did get paid and maybe more. I will be faxing paperwork asap. Anything you can do to help would be appreciated. Thanks in Advance.

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 2017-10-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My mother XXXX XXXX in XXXX, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: PA

Complaint narrative:
My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my 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 non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
About 6 months ago I received a phone call from this company stating that if I was to test drive a new vehicle and purchase the vehicle I was let out of my lease early and to my chagrin I accepted the offer only to be made a fool of from the dealership. 
I had two different car companies in the past make good on similar situation and I was no stranger to the phone call. I made a complaint with them and I was told sorry for the phone call and I was not going to be made whole on the issue on hand and I was told to make my payments current or else. 
I do have financial hardship and I really thought they were going to help me. My fault I guess for thinking Nissan really cared about me whenever they ask about my  hardship however all I hear now is ooh too bad, pay up will ya. Now the dealership just closed the doors without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I 'm in the middle of a foreclosure modification with Bank of America. Bank of America has refused to answer the phone, return my voicemails. Bank of America has filed a Lis Pendens. I have a contract to sell in order to avoid foreclosure. Bank of America 's attorney told me that my mortgage was being served by XXXX. I want to avoid foreclosure but Bank of America will not communicate with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP
State: WA

Complaint narrative:
I received two charged off collections letters dated XXXX XXXX, XXXX and attempted to resolve the debt. Being unsuccessful in this I had to activate my benefits through my employer to get assistance from an ID Theft representative / Another formal dispute was entered XXXX. The fact that there are collections attempts being made on an account that should be marked as Fraudulent is a violation of both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Today my representative called them to discuss the status and was told that they will not accept POAs and will only speak directly to me. Formal POAs must apparently be delivered by hand to someone in their legal department to verify authenticity even though the POA that they have received is notarized. The first rep said that the documents were there, but they ca n't accept the POA, then I called back with my rep and were told there were no documents at this point. I am receiving poor handling of my account and feel they are attempting to stall in the hopes that I do not continue to contact them or to give them time to sell the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming id information that they received from me was not legible.This claim is absolutely ridiculous ( PLEASE SEE ENCLOSED DOCS ) XXXX and XXXX have started investigations based on the exact same request and ID information. Additionally, Experians delays add up to more than XXXX days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/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 non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PR

Complaint narrative:
To whom it May concern : In my credit history I report an account that I do not belong to Credit Collection services # XXXX collecting a balance of {$490.00} from XXXX XXXX XXXX - XXXX which does not belong to me and I have never lived in the United States.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I filed the dispute twice and the Barclay Bank still charged to my account. 
My credit card limit is {$2000.00} and unauthorized charges were appx. {$2800.00} therefore my credit score got decreased under XXXX and I am having problem getting mortgage finance. 
I am a victim and this bank is making my life miserable, I can not purchase my dream home.

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