vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: WA

Complaint narrative:
Reliant Capital contacted my significant other on his cell phone, which violates the statute on cell phone contacts, twice, he informed her that it was a cell phone. She called back we had no idea what the debt was for and she proceeded to tell him the nature of the debt, how we 'did n't want to resolve it ' when we have no paperwork at all supporting that we had a debt and this was the first contacts we have received from Reliant Capital . She used combative language with him and told us that the full balance would be charged to us there would be no negotiation. All on initial contact with someone who is not even the debtor. Reliant Capital needs to review with their client 's consumer rights and the costs to the collector personally and professionally for threatening their clients. The number she called from was this : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sometime in XXXX We were approached by Chase XXXX to refinance our loan to lower rate. We currently have a mortgage again through Chase. We contacted Chase XXXX on XX/XX/XXXX to see the offer. We agreed to the terms and the new lower rate and start sending documents to XXXX XXXX ( our agent ). At around XX/XX/XXXX XXXX suggested that we were ready to move in to the next stage of the loan which will require {$500.00} deposit from our side as a " Good Faith ''. I specifically asked whether this will be refundable and XXXX said " Yes it's fully refundable unless you cancel it or after we ( chase ) approve it and we ( borrowers ) decide that we don't want to proceed then it's not refundable ''. ( Sounds reasonable ) Next day he sends appraisal person to our property and we continue to exchange over 50 e-mails with financial documents. On XX/XX/XXXX Chase state that the loan will no be approved due to debt-to-equity ratio is too high. Then we asked for refund of the " Good Faith '' deposit to which Chase state that they can't refund it since they first need to cover their expenses. And the appraisal of the property cost them more than {$1000.00}. 

I haven't read the full documents and agreements, but I'm pretty sure Chase were aware that those {$500.00} will not be refunded in any case since the average appraisal cost is above {$500.00} in California. If I knew those {$500.00} were not refundable I will not have spend the time and energy to deal with them. 

I think the product is advertised in dishonest way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY

Complaint narrative:
I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX, I noticed in my billing statements That I was being charged for a Time Share on a property that was accruing every month on the XXXX of each month {$250.00} that was never agreed upon. I cancelled that contract within 90 days of the original contract date. I called and left several messages with the company. XXXX XXXX. However I received an email on XX/XX/XXXX from the company representative stating he was sorry for the delay in returning my call, upon proof that I requested for me to use the email he had provided as a null/void Receipt and I would not experience any other monthly charges. When I called into TJ MAXX credit card to explain what had happened, that I have this card ( My TJ MAXX Card ) set up to come directly out of my checking account and I had just realized when I went to make a XXXX purchase that the balance was extremely high I receive my statements electronically once I started looking into the amounts charged monthly I was only able to go back to XX/XX/XXXX. When I called in and spoke to the lady she explained to get any information to support my complaint. That the would reach out to me and request my documentation. I did I retrieved the email I received and had it available from the company stating it was voided. and apologize for delay in getting back with me as he was out of the states for the holiday. However TJ MAXX never requested my proof of documentation, never asked me for anything, just stated the company provided them a signature of the purchase. However they failed to explain it had a 90 day period to void out the contract. I DID JUST THAT.. Instead of asking me for my supporting documents they just reissued the merchant XXXX off my credit card. WITHOUT getting to the full details from the customer ( which is I ). I have included proof of my email of null and void. However would like some resolution to this issue.

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 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: IL

Complaint narrative:
I recently applied for a cash out refinance with AimLoan for a rental property I have owned for several years. I am subscribed to several real estate sites such as XXXX and XXXX to get periodic updates on the market conditions in the area. Every comparable sale I could find valued my home at over {$160000.00} so I used {$160000.00} as the current market value when I applied with AimLoan. On XX/XX/2020 the real estate appraiser AimLoan hired went to the home and completed an appraisal. The results came back at {$150000.00}. The appraiser missed entire sections of the home and also attempted to use the income method to value the property based on estimated rents vs the actual rent amount I receive which was supported with the current lease agreement I sent to AimLoan before the appraisal. I called AimLoan to push back on the appraisal and the only answer I received was to go and get my own comparables which is what I did before I even started the loan process. I have been unfairly treated and this appraisal is artificially low.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I had an account with GM Financial from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I presently have a XXXX  XXXX XXXX on lease. I have made every payment on time and the attached copies of checks prove it. However Hyundai continues to bill me incorrectly as to the due date AND the total payments made and amount due. 
I have tried speaking with them on over ten occasions. EVERY time, I was disconnected. Their automated attendant asks for critical info and Im told that none of it is transferred to a live person. Why put a customer through that? That in and of itself is abusive to everyone who is trying to resolve a problem. Over the past fifty years, I have dealt with thousands of financial companies/payments, and I have never - EVER come across such blatant disrespect and disregard for the customer. I have sent letters and documents supporting my case and I never was even giving the curtesy of a response. I was just on the phone with them for 52 minutes. This was the last straw, which has driven me to contact you. I was trying to locate an individual who I might send my documentation to. but a responsible party does not exist in their world. Although, Ive never contacted you before, am I glad that you exist. Hyundai Finance obviously thinks that they can do what ever they want, and completely ignore the consumer. If possible, I would ask you to act as me, so that you may gain an accurate account of what they do to a consumer. In addition to check copies, Ive attached a few dunning letters. Notice that one ( as with all previous correspondence ) states the due date as the XX/XX/XXXX. In fact my contract ( copy attached ) clearly states the XX/XX/XXXX. 
I am happy to speak with whomever may be assigned to the case.

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 2020-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: MN

Complaint narrative:
My car was totaled on XX/XX/2020 by XXXX XXXX in XXXX. My lien holders are JD Byrider in XXXX XXXX, IA. I want to make it clear this is the worst decision I made in my life dealing with these people. Since my car has been totaled, NOBODY is letting me know whats going on, Byrider is refusing to let me speak to their insurance. This is a mess because I have NO CAR, and when I called to ask what is going on after finding out some questionable information from XXXX, its like they couldnt tell me. Ive had so many issues with Byrider, I honestly feel theyve discriminated against me on multiple occasions. Their representative either XXXX or XXXX belittled be saying youve owed XXXX money since XXXX which was very rude. I am the consumer and should no way shape or form be treated the way I have in the 2 years of dealing with these people. Something needs to be done, I am done dismissing my cases with them because I feel like I am not being heard.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.

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 2020-02-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have been disputing 5 charges of {$100.00} each. These charges were unauthorized by me. I disputed these charges with Barclays MasterCard. After nearly 5 months and multiple paperwork submissions, I was required to escalate to " The Office Of The President '', located in XXXX, DE. 

I provided a copy of the exact program that I had enrolled in with their merchant. That document solicits a " Free Membership ''. No ambiguity whatsoever. That is what I signed up for. In response to my dispute of these charges, the merchant provided Barclays a one-page portion of their " Terms and Conditions ''. This incomplete document had multiple handwritten notes, hand-drawn boxes, underlines and asteriks. This document did not reference my name, credit card information, service, product, or cost of product.

I received nearly a dozen written response statements from Barclays stating that my dispute and rebuttals were being denied based solely on this document ( partial, redacted, handwritten, one-page portion of merchant 's " Terms and Conditions '' ).

Additionally, the merchant provided Barclays with three ( 3 ) different examples of the cost of their " services '' in dispute. None of the three service costs were representative of the unauthorized charges to my Barclays MasterCard. My unauthorized charges were a fourth ( 4th ) and different amount.

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 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}

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 2020-02-13 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: AR

Complaint narrative:
My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}

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 2020-02-13 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX   XXXX {$6800.00} XXXX   XXXX {$3700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$12000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation