vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score XXXX points. I not am going to pay for a car I didnt drive for a XXXX when I even told XXXX that the car was defective. XXXX said I gave up the car in XXXX and that was incorrect. It was within XXXX weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: NJ

Complaint narrative:
Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.

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 2019-09-29 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.

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 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have 80 calls from them in less then a week. Sometimes they call 3 or 4 times in a row if you dont answer. Especially during work hours. This is a clear intention to harass me to get their money. I had to block their number because it is a huge interruption at work, they constantly harass me, my phone is always ringing. It has to end. Calling 1 hour apart does not mean i got the money that much faster.

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 2019-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc.
State: AZ

Complaint narrative:
I had paid over the phone with them in XXXX, given my banking info. I noticed there were multiple debts on my record from being XXXX. After paying my debts in late XXXX and XXXX this account I noticed had never been labeled as settled I had called them inquiring about why there wasn't a settled claim like on my other debts and why they chose to just remove it. Nemo 's collections assured me the debt was handled properly and as I see it they has repeatedly been adjusting the amount I owe and deleting the evidence I would've had by not filing the debt as settled, I have tried to talk about my debt and the evidence I paid should've been in my XXXX  XXXX   report along with my other debts with a settled claim. I assume there are records I can't access that would show them removing and adding to my debt repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Sir/Madam, I opened an Adv Plus checking account ending XXXX in XXXX from BOA, with a {$100.00} promotion bonus opportunity after XXXX $ XXXX direct deposits into this account. I have deposited multiple payrolls of $ XXXX into this account in XXXX and XXXX, but I still didn't receive the {$100.00} bonus yet. So could you please investigate on this issue? 

Thank you very much, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score 22 points. I not am going to pay for a car I didnt drive for a month when I even told ally that the car was defective. Ally said I gave up the car in XXXX and that was incorrect. It was within 3 weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: NJ

Complaint narrative:
Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: NJ

Complaint narrative:
Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.

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 2019-09-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dispute with TransUnion to follow suit with XXXX in regards to two accounts that was deleted off my credit report XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMERCE BANK
State: FL

Complaint narrative:
This has been over 12 yrs tgey kerp selling the accoubt to other debts and harnessing me when i was working ... lieing saying the us Marshals was coming to deal with me about the debt ... causing so much aggravation n harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Like millions of other Americans, my credit information continues to be exposed by multiple security breaches. Experian.com refused to freeze my credit online, despite having updated, accurate information on my credit and addresses. Both XXXX   and XXXX enacted credit freezes for me online without a problem. 

Experian demands that I mail my confidential credit information and a copy of my ID to them to freeze my credit. Sending them these hard copy documents is a security risk. It provides all the information needed to steal my identity. Using a firewall-protected, encrypted website with a XXXX is an easier and safer way to submit confidential information. 

How can I get Experian to freeze my credit online as requested?

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 2019-09-29 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.

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 2019-09-29 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: AR

Complaint narrative:
Inaccurate information on credit report shows account revolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.

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 2019-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
XX/XX/2019 PHH Mortgage ( Ocwen Loan Servicing ) ( XXXX XXXX ) attorneys XXXX and XXXX sent me a default notice on post petition payments for XX/XX/2019 through XX/XX/2019 in the amounts of {$380.00} each. With {$150.00} in suspense. Total default {$1300.00}. I have payment history print out from the company 's web site that say different. I requested a MODIFICATION to stop any further action considering my chapter XXXX case will be paid in full in 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I HAVE BEEN A CLIENT OF CHASE FOR 20 YEARS THIS CARD HAD NO LATE PAYMENTS FOR 20 YEARS AND WAS PAID ON TIME. 

CHASE OFFERED ME TO ADD AUTHORIZED USERS TO THE ACCOUNT. I CALLED THEM AND ASKED HOW MANY USERS I CAN HAVE ON THE ACCOUNT AND THEY SAID IT WAS UNLIMITED. I THEN PROCEEDED TO ADD USERS. MY NEICES AND NEPHEWS IN ORDER TO GIVE THEM THE GIFT OF CREDIT AND ALSO MAKE THE BEST USE OF MY EXCELLENT CREDIT HISTORY. MY CARD IS THEN CUT OF AS I WASNT CONTACTED AT ALL ABOUT THIS. THEN ALL OF THE CARDS WERE TURNED OFF. THERE WAS NO FRAUD, NO UNAUTHORIZED PURCHASES ... NOTHING BUT ME BEING A GREAT CUSTOMER AND THEM TAKING ADVANTAGE OF ME AND TURNING OFF MY ACCOUNT AND CLOSING IT. 

THEY WERE THE ONES THAT ALWAYS SAID CAN WE ADD ANY AUTHORIZED USERS AND WHEN I DO ITS CLOSED. THIS IS WRONG FOR A XXXX YEAR OLD GRANDMOTHER TO LIVE HER LIFE RIGHT AND TAKE CARE OF FINANCES AND THEN THIS HAPPENS I WAS TAKEN ADVANTAGE OF BY A CARD COMPANY I WAS FAITHFUL TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
About six months ago, I had subscribed to XXXX to sell items of our business and personal unused belongings, when XXXX provided a TRUSTWORTHY FUND RECEIVER AND PROCESSOR Paypal. From the very first sale Paypal refused to use valid credit card and print shipping label, so the item was sent WITHOUT SHIPPING LABEL, SITTING SOMEWHERE IN THE UNDELIVERED PACKAGES OF USPS. At the fifth transaction of sale, 11 days after the complition of sale the funds still missing from the account where Paypal supposed to have deposited 9 days ago!! The last and ultimate sale, Paypal had received the funds of thrust but refusing to allow the printing of shipping label of received trust funds. Called XXXX two times to interfere, XXXX   come on line with broken English and heavy lack of competence, failing to reliese the part of funds to print shipping label. Paypal had been braking bylaws, trust issues and general consumer confidence matters, and XXXX had been promoting this ROUGE BUSINESS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: TX

Complaint narrative:
I sent a dispute letter via certified mail to have the XXXX XXXX  account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I borrowed money to complete an expensive purchase of a pet for my daughter! 

They took application at the pet store. 

They let me have {$1800.00} loan They said I could pay loan in 90 days without penalty or interest. 

I tried to pay the loan and they said that I missed 2 payments so the loan went into default and that I owed almost twice the amount of original loan in fees and interest! 

I contacted them and they insisted that I owed the money ; and that I could do nothing! 

Now they have another entity trying to collect the debt and in less than 14 months the debt has been reported to 2 of the credit agencies as over {$5000.00} They reported several times with variations to account number and totally different dollar amounts so the agency has lowered credit scores over 100points because of multiple violations or debts. 

The agency reporting the debt has not verified the debt and its been over 65 days since we requested proof or verification of debt. The companies name is DUVERA FINANCIAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I canceled my policy with XXXX. They have acknowledged this but this company continues to try to purchase the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TN

Complaint narrative:
This balance on XXXX has been haunting me for years. It resurfCed in XXXX of XXXX. At the end of XXXX after reporting it fradulent in XXXX of XXXX, I attempted to contact and negotiate a lower price to pay it off. I do not wish to pay XXXX on a debt that I did not create. At the begining of XXXX I began trying to join the XXXX XXXX. I can not join with this debt weighing on me negatively. I spent 6 months trying to get ahold of the right company. Each number I called was another rabbit hole that ended with them telling me they can not collect on this debt because it had expired. After much research I found out that the debt originated from An XXXX cell phone bill. I have never in my life had a XXXX phone with that service. I have had cable but never a XXXX phone with XXXX. I reported the debt as fraud and it is still lingering. The debt collectors claim that the time for them to legally collect the debt has expired and they are legally not able to take my money and remove this ugliness from my credit. I pay high interest rates and get denied for simple normal coutesies because of this debt and NO ONE will help me settle this issue or even just pay it so it will stop hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: TX

Complaint narrative:
I sent a dispute letter via certified mail to have the XXXX XXXX account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.

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 2019-09-29 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: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION FEDLOAN ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation