vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-12 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: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX**** US DEPT ED XXXX**** US DEPT ED XXXX**** US DEPT ED XXXX**** USDOE/XXXX  XXXX**** XXXX/XXXX XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CO

Complaint narrative:
McCarthy, Burgess & Wolff has called, emailed and sent me letters for weeks to collect a debt that was paid. I've repeatedly asked them for documentation supporting their collections efforts. In response they have sent me the same invoice from XXXX several times that shows paid in full with {$0.00} due. I've pointed this out several times in emails and voicemail messages that this invoice is marked paid in full, but they keep sending me the same paid invoice. I also provided proof that I paid this invoice in 2017. Today they put my name on a collection letter for a debt owed by a company I've never heard of ( XXXX ) and have nothing to do with - completely different from the paid invoice they've been sending me. No one responds directly to the issues raised in my emails or voicemails. They just keep sending the same form letter and paid invoice - until today when they sent me a completely random debt owed by someone else. I'm concerned they will report something to the credit bureaus that I'll have to battle for the next 10 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2019, I conducted a cash advance. I attempted to pay the full amount on the same day to avoid interest, but was unable to as the bank does not allow a payment greater than the posted balance. The cash advance was still temporary authorization. On XX/XX/2019, I attempted the payment again and was still denied the ability to pay the full amount as the advance amount was still a temporary authorization. On XX/XX/2019, the cash advance amount posted, however with a date of XXXX, resulting in 2 days of interest be charged. However they charge the cash advance fee on the XXXX when it posted. This is unfair, deceptive, and abusive. The customer is unable to prepay an amount that is temporary authorized to avoid interest. If a payment can't be made by the customer until it hits the balance, the transaction date of this cash advance should have been the date when it posts, allowing me the opportunity to avoid interest. This is probably happening on every cash advance as the banks system process to restrict payments beyond the balance, but posts two days later with a date 2 days prior. Screenshots have been captured to show the restriction to pay as well as the back dating of the transaction when it posted 2 days later. The CFPB should also conduct an exam of cash advances and evaluate the capabilities restricted to customers while date calculations backdate. There is probably millions of dollars in interest being charged every year for extra days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is not a duplicate complaint and its filing is legal and sustain and the bank accused of wrongdoings is now noticed - - ______XXXX   XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL legal Complaint and legal notice to stop and cease from any new retaliation and discrimination - -- -///////// Filing Date : XX/XX/2019. 

Chase Bank in a new act of retaliation against my person declined my transaction, impeded my ability to use my account ending in XXXX ( complete account number shown in a copy from the current statement with a rejected due date of XX/XX/2019. This copy is attached to this legal complaint and notice ) - And violated the applicable terms and conditions of the account therefore I have no obligation toward this bank in any way. This Bank motives to those discriminatory and retaliatory adverse actions are : my filing previously within the CFPB and against this same bank and the CFPB has access to those complaints, my rejection in writing to this banks attempt to force me to accept arbitration and my complaint to this bank itself about what I believe its unlawful behaviors against my person. Chase Bank or chase card services or any company that has Chase in its legal business name and operate in the U.S by those acts committed toward me it has violated the Consumer Financial Protrction Act of 2010 reform ( CFPA ), The Equal Credit Opportunity Act ( ECOA ), Civil rights Act and other laws or regulations and/or their provisions prohibiting retaliation or discrimination toward consumers or anyone who report a company to the CFPB or any regulator. I attached the receipt that shows the decline of my purchase by Chase and this Bank ( Chase ) chose not abide by the law and terms and any new aggression or adverse action from this Bank against me is going to be very reckless and it should have severe legal consequences on this Bank. 
_ - This bank is now notice to cease and stop from any negative act or any adverse action or any retaliation type against me ; and any matter between me and this Bank is now disputed legally - any new aggression or alike or any type of harm against me will then justify any legal action I will then take I reserveu right to take any legal action I see it appropriate and at any time and workout any prior notice of any kind to Bank - - I attached also what prove that as of this moment I should have a credit limit of over {$4000.00} I reserve all my rights - e- - - - All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights .- - - Thank you, - - The complainant ( XXXX XXXX ) today XX/XX/2019.- -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
I tried to pay the company but they refused payment and locked up their website and turned account over to collection agency. I tried calling the company to arrange payment rep told me to call back they would hang up the phone I would call on numerous occasions only to never get anyone and website locked up not accepting any payment. I tried on many occasions to pay this company it locked up and would not take a payment. It was as if they deliberately wanted to send my account to a collection agency. The company is ruining people credit by locking up the account online where the customer can not pay the bill as it is agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: IA

Complaint narrative:
XX/XX/XXXX I had a XXXX and resigned from my previous job. I called and told them I would be late on my payment. I had a temp job and was able to pay my minimum balance. They came and took the vehicle. And sold the car to car hop across the street. And told me to pay the amount for XXXX dollars to get my car back which they sold and now they sticking me with the remainder of the car. Laws aren't build for us it used to help people like them crooks. Messed my life up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a student loan back in XX/XX/XXXX, eventually due to financial issues I could not pay back the loan and the loan was sold to a different student loan servicer called Navient sometime in XX/XX/XXXX and the collection process started again but I did not receive any notices in the mail or calls over the phone, nothing informing me that they were collecting on the student loan. Since I live in Florida and hurricane Irma came around during that time they put the payments on hold until around XX/XX/XXXX. 3 months later I finally find out because I noticed my credit score dropped substantially and I looked to see why and I find out about Navient and that I'm 90days late on the student loan payments, so I immediately pay everything in full since I have a better job now and have continued to make payments on time since then but the damage was done, my credit was set back big time and it will continue to hur me for the next 7 years. I called Navient and explained what happened.. They state that they only accept letters mailed to a certain dept to address those kinds of issues, seems like businesses do that to make it harder for consumers to get things fixed. I sent the letter around XX/XX/XXXX but I haven't received any sort of response. I understand that the student loan was something I am supposed to be responsible for and I tried to be back when I tried to pursue a higher education but if I have known ahead of time that the transition happened with Navient 8 years later I would have committed to the promise I originally made when I was 18 especially since I have become a much more responsible adult over those years but the 90 day late payment tells a different story about me, one that says I'm irresponsible, that I don't follow up on my promises. It has set me back on reaching my financial goals like buying a home and getting a good interest rate on my car. I hope by doing this it can help set things straight

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Automatic Bill Payment set up through XXXX XXXX XXXX XXXX XXXX to pay XXXX XXXX each month on the XXXX after paycheck deposited -- -- No problems Loan sold to Mr Cooper. Borrower switches Payee to Mr Cooper for same payment.

Bill pay apparently sends paper checks instead of electronic payment as with XXXX. 

Borrower is unaware of any issue and pays automatic amount in excess of required payment. 

Payment arrives 2-3 days late due to non electronic payments required for Mr Cooper ... .for 3 years!

Borrower does NOT reduce principal and Mr Cooper collects late fees the entire time. NO NOTIFICATION IS EVER MADE TO BORROWER OF REPEATED LATE FEES ETC.

Borrower reviews electronic statements for tax inquiry and discovers issue. Calls Mr Cooper and is told nothing is wrong and they will no refund fees.

This issue can affect thousands of borrowers who have their loans transferred and set payment to when their paychecks arrived. I will take my hit but this is the exact issue that CFPB should remediate. I was happy with XXXX ... yet I end up with Mr Cooper and now I miss {$1400.00} in paying my principal down ... .Mr Cooper has that. NOT RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One recharged a bill of materials that was never purchased, the XXXX charge by XXXX XXXX was a hold on my card, that was released on XX/XX/2019, They rebelled it on XX/XX/2019 fraudulently ... I contacted Capital one and they did nothing to remove the unauthorized charge..and reported a inaccurate bill to Credit bureaus ..thgat is hurting my credit score ... absolute fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Credit acceptance charges a usury interest rate of 23 % that compounds daily. I did not agree to that rate or the incorrect financed amount they claim that I owe

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 2019-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLCwith no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
Got my own financing for a car so no need to run a credit report, and the car dealership ran my credit without my knowledge and approval. never signed or approved to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Switched my phone service from XXXX to XXXX XXXX and cancelled my account over the phone with XXXX back in XXXX of 2018 with my current account at a zero balance and have had phone service with XXXX XXXX since XXXX of 2018. 

My account with XXXX has been closed for a year and I do not have any services from them of any kind. 

I have no idea what these charges are all about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
In the month of XX/XX/2019 my mortgage servicer contacted me by mail with a statement pro-warning that my HOI policy has expired and that I will need to find coverage soon or else they will provide coverage to me. I immediately called to figure out what exactly is going on. My HOI has never expired its always been paid via escrow acct from this mortgage servicer Dovenmuele. I also confirmed with my HOI through XXXX and they confirmed policy is still active. I submitted proper paper, work ( dec. Page ). as I was instructed to do so by Mtg servicer. from that step everything were suppose to have gotten resolved. Well within 30 days I get the same letter warning me again of expired HOI. I call again explaining, I sent another declaration page over. I even got XXXX XXXX involved since that's the lender who originated my loan and still owns it. I was told by a rep at XXXX XXXX that she would escalate this issue to upper management that was back in XX/XX/2019. Never received a call back to update me or nothing. Effective XXXX XXXX, Dovenmuele drafted my escrow acct a sum of {$3700.00} as an HOI disbursement, in which they should not have. Now I'm angry and mortified!!!! Due to the simple fact this matter should have all been resolved. I sent proper documents, Just to confirm with CFPB Dovenmuele has already drafted my acct for my HOI premium for this year on XXXX XXXX the same as they always do every year in that month, I have never encountered a issue with my HOI. NOW my escrow acct is extremely short of funds to cover my property tax bill that's due on XXXX XXXX. I am asking that the CFPB now gets involved in this matter before this turns into a big legal case with my attorney. I am hoping to get this matter resolved by two weeks or less as my property tax bill is nearing. I feel taken advantage of, I am hurt and angered of such carelessness, the level of incompliance and lack of structure and customer service. I can not tolerate this mortgage company servicing my acct any longer as I am afraid something illegitimate may take place again as this is only of a few complaints and issues I've experienced with this servicer. I also attached proof of paid HOI for XX/XX/2019 and my Mortgage acct activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened saving account in HSBC on XX/XX/2019 at XXXX, CA. The HSBC worker suggested me to open overdraft protection. Actually, she opened Line of Credit for me. And it incurred a hard pull and new credit account which impacted me credit score a lot. I did need overdraft protection and she did NOT tell it would have credit score impact. I want to repair my credit score!!! 

Thanks.

Company response to consumer: Closed with explanation