vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: KEYSTONE EQUIPMENT FINANCE CORP.
State: VA

Complaint narrative:
I doubled my payments to pay off my truck faster which is by now done. Theyre now playing with numbers and saying it isnt done. Based on payments made I have now paid more than it would have cost me had I just paid regular payments. Theyre playing with numbers. Had I paid {$540.00} that was the note for 34 months it would have just been {$18000.00} but I have now paid more than {$20000.00} and counting

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I OBTAINED A CREDIT CARD FROM XXXX  XXXX XXXX  BACK IN XXXX OR XX/XX/XXXX, THESE PEOPLE KNEW THAT I WAS ON XXXX XXXX XXXX PAYEMNETS, ANYWAY THEY SENT ME A LETTER DATED ON XX/XX/XXXX STATING THIS DEBT WAS REPORTED CLOSED AND THEY REPORTED TO CREDIT REPORTING AGENCIES AS " CLOSED WITH A XXXX BALANCE '', THEN THEY SOLD THIS ACCOUNT TO A THIRD PARTY VENDOR BY THE NAME OF RESURGENT CAPITAL SERVICES WHO DECIDED TO TAKE UP THIS CLOSED ACCOUNT AND HAS CONSTANTLY HARRASS AND THREATEN ME WITH PENDING LITIGATIONS AS I STATED TO THEM I ONLY RECEIVE XXXX BUT THEY DID NOT LISTEN AND STILL I RECEIVE HARRASSING PHONE CALLS, LETTERS, POSTCARDS AND THE LIKE WITH THREATS OF LEGAL ACTION, I WAS REFERRED TO THE '' HELPS NON-PROFIT LEGAL TEAM '', AND THESE COLLECTION PEOPLE STILL DISREGUARDED THESE PEOPLE 'S ATTEMPTS TO MAKE SURE THEY KNEW I WAS ONLU ON XXXX BENEFITS AND THEY COULD NOT RECEIVE ANY PAYMENTS .THIS CURRENT THIRD PARTY VENDOR ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX AND ALSO RESURGENT CUSTOMER SERVICE CENTER XXXX XXXX XXXX XXXX XXXX SC XXXX THEIR TELEPHONE NUMBER IS XXXX ( XXXX ) XXXX OR XXXX ( XXXX ) XXXX FAX NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have called and sent emails with no one responding to either. I was looking at my account and I saw something noted that I agreed to pay approximate {$3500.00} for 4 straight months beginning on XXXX. I have not agreed or seen such document saying such and would not agree to anything like that. I am current on my mortgage payments but had previously submitted an application about 3-4 months for loan modification and/or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Our loan was transferred from saxon to ocwen XX/XX/XXXX. 
Ocwen credited the overcharge of taxes from XXXX modification to XXXX and XX/XX/XXXX payments received from saxon for XXXX. 
Ocwen did not service us until XXXX XXXX  14 months after transfer as letter submitted dated XX/XX/XXXX confirms. 
This resulted in severe fees and damaged to our credit. 
Ocwen could not provide XXXX form or account history statement. 
Yes they submitted to you a reconciliation history for XXXX which does not prove anything. Their reconciliation history always differs from actual account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive sent in a certified notarized letter to Navy Federal. Its an important legal document Affidavit along with other legal documents attached. Navy Federal has committed several violations under the FDCPA, TILA, FCRA, and many more which theyve violated my rights as a consumer. This is not an attempt to collect a debt.

15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sent me a bunch of marketing at my addresses and emails following my submission for Opt-Out and Do not Market. I filed a complaint in the past with the CFPB and received more marketing. I requested that American Express make amends by offering credit terms or restitution. American Express has not reached out to approve the Gold Card for Business, which is great for traveling. The company has also not made right on the violations of the rules and laws. I am requesting a reinvestigation and want to know why American Express was allowed to violate rules. I am also asking for American Express to increase my credit limit and reissue my credit card. I don't feel that it was ok, that they violated the law more than once, even after i filed a complaint. I am asking that the company approves my request to re-issue my credit card and increase my credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
Someone stole my identity and opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on XXXX at that time in XXXX. I pulled my XXXX  credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and XXXX about the matter. Nissan and XXXX  are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. I have provided all information needed to block the fraudulent account but XXXX has not blocked it from my report which is a violation of the FCRA and Im also filing a complaint with the XXXX XXXX XXXX  and seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Ive noticed over the past 4 months Innovation Recovery has made slight changes to the account that they are reporting to XXXX to impact a significant drop in my credit score. In XX/XX/2020, they reported the same dept with their name altered to IR without contact information. After I researched this collecting name and debt, it directed me back to this company ; I called and the agent XXXX said it was nothing that could be done and a member of management was not available. XXXX IR was removed from my report but the damage remained the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I received a notice via email that my account had been closed. No reason other than " I violated the terms of the deposit agreement ''. Really? What terms? If you call from the phone connected to your account, the automated system directs you to send an email, and hangs up on you. I used a different phone and also could not connect with a representative. I finally had to use my husband 's phone, which is connected to his Chime account, to get to a live person. After 2 hours on the phone with 2 different individuals, I was told that they have no control over my account closure and that " I would be mailed a check for any remaining funds in my account within 30 days of the closure ''. That is not acceptable. I had funds in both my checking and savings, including my payroll direct deposit that had just posted the night before. After some internet searching, this appears to be something Chime is doing to a lot of their good customers, and keeping the funds from the closed accounts. I have contacted a Consumer Protection Attorney, who is investigating and is quite certain this is conversion. I want this bank shut down. They do not have physical branches you can enter to retrieve your funds, they limit your access to how much of your funds you can withdraw each day, and it is a major effort to even reach someone on the phone. They are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: MA

Complaint narrative:
I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with capital one. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to Capital one. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover card reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted Discover and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.

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 2021-03-12 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: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On XX/XX/2021 Tower loans did a hard inquiry on my credit. After looking I found this company is doing a hard inquiry quarterly on my account. I did not authorize these inquiry. I called the number on inquiry and it goes to a doctors office. I want this fraud stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The following account could not be verified or validated by Synchrony Bank/Amazon.com store card. All information including SSN, Address, DOB and account numbers were provide in the request.

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

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 2021-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days. Equifax is now in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

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 2021-03-12 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: MA

Complaint narrative:
I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

Company response to consumer: Closed with explanation