vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2019, I received a call from a collections agency for the first time regarding a debt that was charged off by the creditor over 2 years ago ( I called the original creditor over two years ago to pay debt and they would not allow me to ). They told me of a debt owed, but there was nothing in writing prior to the phone call. They threatened to send their attorneys after me if I didn't pay. I told them that I would like to see in writing the debt that was owed and give me a week to resolve the situation. I spoke to a manager and he said he would email me the information. He sent a protected file that I could not access. I replied twice for him to check and send again. No reply. They are now calling me on XX/XX/2019 ; several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
I went to to XXXX to apply for XXXX XXXX  end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I took a loan in XX/XX/2016 ( XX/XX/16 ), I was paying on time. 
After i loose a job, i had returned the car, dealership said I'm done. 
But later Santander bank charged my account for {$10000.00} with no explanation. 
This is ruin me credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
My husband had his 3rd XXXX  XXXX on XX/XX/2019. He was on XXXX XXXX. with reduced income till XX/XX/2019. When he returned to work he was Fired! We were already behind on the mortgage before his XXXX. My husband is working full time again & I work part-time. My mortgage company is Bayview. I have applied 3 times for a modification. Bayview responds back with higher monthly payments to get us caught up. My current payment is {$1300.00} with 5 % interest. We cant afford this much less a higher payment. If Bayview would put my late payments @ the end of my loan & lower my interest rate we could afford it! We owe about {$130000.00}. We have lived in our house for 14years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: PA

Complaint narrative:
I was notified of a negative remark on my Equifax report for collections of an insurance policy that I never opened nor am I affiliated with in anyway. I quickly disputed the remark, which took 30 days to receive an answer sent original dispute on XXXX. Upon receiving the final decision on XXXX Equifax decided that I am still liable for the claim, and they did not remove it. I called the company and questioned them and they were not able to help me in anyway, they told me to contact other parties involved, which I had already done, and realized that they had the wrong person. My address didn't match, my SSN did not match, my DOB did not match, and neither did my drivers license number. I explained this to them, and they told me nothing they can do. The amount of the delinquency is {$370.00}. Also, upon Equifax receiving the claim from the collection agency XXXX XXXX XXXX XXXX XXXX they updated my personal information with what was on the documents, rather than realizing it was not the correct person. ( Which could be illegal ). None of the information lines up, each party has something different, and none of it matches to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
I went to to XXXX to apply for XXXX book end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXXAcct # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.

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 2019-07-08 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: GA

Complaint narrative:
I went to to XXXX to apply for XXXX XXXX  end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.

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 2019-07-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Have received calls from credit card companies offering to transfer any of my existing CC accounts from the current fee ( 14.9 % for example ) to a 0 % CC for life. 
XXXX XXXX XXXX- R'cvd such a call and transferred to consultant ( allegedly from XXXX XXXX XXXX ) who had lots of my CC and banking info. He told me the exact payment amount I recently made on a Visa card, plus the current balance, the rate and the last 4 of my SSAN. He then told me he could lower the rate to 0 % for the rest of the time I held the card. He charged no fees. I was next transferred to his supervisor ( XXXX XXXX ) who asked for other CC balances, rate, and credit limit. Like a fool, I provided that info for 5 CCs believing that they would soon be at a 0 % rate. He then asked for the remainder of my SSAN ( first 5 digits ) and my Mother ; s maiden name. On two of the cards, he could not offer 0 % and suggested I reapply later. He even gave me his personal phone number ( XXXX ) XXXX XX/XX/2019 : I had a false charge for {$960.00} on my XXXX XXXX XXXX CC for two {$500.00} XXXX eGift Cards placed on XXXX XX/XX/2019. 
XXXX : My B of A CC included a Balance Transfer to XXXX for {$110000.00} plus a {$35.00} transaction fee, I did not make such a transfer, but the amount exactly matched my existing CC balance for that XXXX XXXX. 
There was a PENDING second false CC charge for XXXX XXXX for {$2800.00} which I have no idea or involvement with and certainly did not make the transaction. 
XXXX XX/XX/2019 : Lastly, I noticed a Balance Transfer of ( XXXX ) to my XXXX XXXX card, but no explanation of where the money came from. Also, the CC was not scheduled for a payment until XXXX XX/XX/XXXX. 
I have canx each CC and applied for a Fraud Alert to all 3 Credit Report companies.

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 2019-07-08 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:
XXXX {$680.00} XXXX XXXX XXXX {$500.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We discovered several fraudulent accounts on my credit report. When attempting to contact this Bank - Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX, We have been unable to make contact. The XXXX number has limited hours and when I called today during a period they were supposed to be open, I was on hold for 20 minutes, then my call was terminated by them. 


How can I report the fraud in a timely manner if they never answer their telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
LANIER COLLECTION AG Reported : XX/XX/2019 {$200.00} LANIER COLLECTION AG Reported : XX/XX/2019 {$380.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: OR

Complaint narrative:
I co-signed on my daughter 's loan of {$10000.00} with Sallie Mae. Between my daughter and I the payments we made add up to {$4100.00}. XX/XX/2019 statement says the current balance is {$11000.00}. 
Sallie Mae has been charging us late fees every month even when the payments were on time. I would call and dispute this with them. They would constantly pressure me into automatic payments. I refused because I did it once, but cancelled few months later because I had set payments on automatic then they started taking what they felt was right for them without my knowledge. There had been years of harassing phone calls and mailings saying I'm delinquent when I wasn't and to enroll in automatic payments. I called and spoke to many supervisors and XXXX. The calls, mailings and only a few late charges were dropped. To this day I still feel it's not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VT

Complaint narrative:
I have attached images and a pdf of all transactions to show dates. The mortgage company, Roundpoint, has on several occasions taken our escrow money as an advance recovery without disbursing the funds. It amounts to approximately {$5000.00}. In the time they were doing this, our fixed rate mortgage went up by approximately {$400.00} per month.

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 2019-07-08 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:
XXXX XXXX XXXX  Reported : XX/XX/2019 {$200.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$380.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My 2015 XXXX XXXX lease was ending I returned the lease XXXX XXXX, 2019. My car was never repossessed. Honda financial services has reported the car as a repossession. I have made several phone calls to Honda financial and filed 3 disputes with XXXX regarding the matter. I have been trying to get this issue resolved since XX/XX/XXXX2019 and it still has not been resolved. I spoke to XXXX from Honda financial XXXX/XXXX/19 and was faxed a letter stating the repossession has been removed but accordning to XXXX, Honda financial is still reporting it as a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Old medical bill still showing on my credit report.This is over 5 years old and by law should not be on my credit report anymore. This is a violation of my consumer rights and is preventing me from buying a home and I want it removed from all 3 credit bureaus immediately. 
Original creditor is XXXX XXXX {$50.00} Amsher Collection Services XXXX XXXX XXXX. XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX This bill is prior to 2014 and should not be on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUS GLOBAL SOLUTIONS {$58.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation