vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinstein, Karp & Associates, Inc.
State: CA

Complaint narrative:
Weinstein & KarXXXX are debt collectors repeatedly call my two cell phones looking for an individual named XXXX XXXX. Somehow this guy obtained my cell phone numbers and used my name and phone numbers as reference. My wife and I have repeatedly told representatives of Weinstein and Karp we have no affiliation with this individual but they continue to harass us looking for this individual. Not less than six times they have called us and each time we tell them we have no idea who this guy is, but to no avail. Today was the latest incident. I requested they remove my numbers ( again ) but they said they had no information they previously called us. They blame every call on a " new system ''. After being hung up for requesting to speak to a manager they then refused to answer my calls. They have also repeatedly texted us in the past.This has to stop.

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 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: J&L Collection Services
State: CA

Complaint narrative:
Multiple calls daily to my number. 
Also called a third party and told them they were a debt collector

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix 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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XX/XX/XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XX/XX/XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: OH

Complaint narrative:
Portfolio Recovery has failed to show proof of authority to collect on a credit collections debt they have reported to my credit reports They have not provided any copies of documentation showing they sent any notice prior to this date and are in violations of my rights- Before reporting this is suppose to be sent giving me the ability to dispute this They also have not provided copies of documents proving the amounts they claim is owed- Nothing they have provided show the amounts they claim due I would like them to provide a copy of the notification letter sent concering this debt owed. I would like them to provide a notice from XXXX XXXX XXXX stating that Porfolio Recovery has the rights to collect this so called debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to Equifax company because they didn't provided any of the documents that I requested to show any of the accounts were verified. They also sent me back information listing an address that is not mine, that I included in my initial police report of identity theft. They claimed that they verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was minsinformed by a BMW representative that my account was current on XX/XX/2015 Since the account was current I made my normal payment by the XXXX of that month. It turns out that BMW had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at BMW have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened inXX/XX/2017 when  the BMW website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the BMW representative said everything would be fine and thered be no late reporting. Again the rep lied and BMW financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Home Credit Corp. Inc.
State: NC

Complaint narrative:
This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 15

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: IN

Complaint narrative:
I received a letter from the FTC regarding a pending lawsuit between them and Ameritech Financial. I tried contacting Ameritech directly but was unsuccessful. I have been making monthly payments to them for almost two years! I am very confused on what steps need to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I called Navient on XX/XX/2018, to inquire about my account. I was about to make a payment of {$110.00} and noticed it defaulted. That was a surprise because about a month ago, XX/XX/2018, my husband and I called Navient to make a payment. 
The rep ( I'll call her XXXX ) told us paying {$110.00} would put the account in good standing. 
The rep I spoke to on XX/XX/2018 ( I'll call her XXXX ), informed me saying " Yes, it was in good standing ... for XX/XX/XXXX. '' In short, though XXXX told me the payment would be fine and my account wouldn't be in default ( we asked at least 3 times to be sure ), it went to XX/XX/XXXX. Three days later, explained XXXX, my account defaulted for nonpayment. I told XXXX that had I known this, I would've paid for both months. XXXX didn't look to see if the conversation I had with XXXX was documented, I asked and she didn't respond. The only solution XXXX gave was to put my account in deferment. I refused because I knew Navient would tack on the interest on the back end. 
With only that solution, I told XXXX I'll still make a payment. XXXX then stated, " for the record XXXX XXXX will make a payment {$110.00}. XXXX for XX/XX/XXXX. '' I stated, " no, for the record, this payment I make is for XX/XX/XXXX. '' I contacted Navient 's Customer Service Advocate, but I haven't heard from them. I received an email from Navient giving me alternative options if I'm having trouble paying. 
I know I've got to pay this loan back and I'm willing to do so, but I'm tired of Navient continually giving me a hard time. Whenever I speak to a Navient customer service rep, it's like they have several different departments because they seem to keep no documentation ( though I know they do ) of the previous conversation I had with one of their reps. I'm told one thing by Navient 's reps and believe everything to be fine, but when I see my account messed up, I'll call and it's like I might as well have called a different student loan servicing company. 
I want this matter corrected, preferably putting my account back in good standing and not showing that I'm a month behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have three promotional balances with XXXX 's XXXX. The promotional terms are 6 months, zero interest if paid in full. The first promotional balance was due to be paid in full on or before XX/XX/2018. The remaining balance, {$35.00}, was listed on the XXXX statement. I contacted Customer Service to inquire on the process to apply payment to the promotional balance. I was informed that I would need to make the minimum payment for the statement ( {$30.00} ) by the due date XX/XX/2018 and the remaining promotional payment amount ( {$35.00} ) by its due date, XX/XX/2018. I was further advised that I would need to contact Customer Service after the promotional balance payment to have the amount applied to the appropriate balance. I completed the three steps : -paid minimum statement balance by due date, paid promotional balance by due date and contacted Customer Service through the XXXX XXXX XXXX. XXXX, the card issuer, has now refused ( twice ) to apply the promotional payment. In addition, they have declined to provide my account details although I have requested confirmation in writing on three occasions. Instead, they send responses to me with the general policy for payments and balances. If the payment is not applied accurately, I will incur deferred interest charges. I have submitted the payments on time and am hoping to ensure the terms are honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was minsinformed by a XXXX representative that my account was current on XX/XX/XXXX. Since the account was current I made my normal payment by the XXXX of that month. It turns out that XXXX had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at XXXX have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened in XXXX of XXXX when the XXXX website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the XXXX representative said everything would be fine and thered be no late reporting. Again the rep lied and XXXX financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.

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 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2018 the Purchase APR on my Chase XXXX XXXX card increased from 13.40 % to 17.49 %. 

I contacted Chase efor explanation. Unfortunately the phone rep was unable to explain and offered to send a letter. 

I have not received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Troy Capital, LLC
State: NC

Complaint narrative:
This was a joint account ( XXXX ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASH AMERICA INTERNATIONAL, INC.
State: NC

Complaint narrative:
It was in my junk mail but I never receive a loan at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. 

I sent them a letter on XX/XX/2018 asking for the following : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. 

Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
This is my SECOND complaint filed against LoanCare regarding illegal and unethical escrow account practices. The first time around, LoanCare was illegally maintaining an overage of {$8000.00} in my escrow account as of XX/XX/XXXX after my XXXX taxes were paid. They did issue a refund ( finally after multiple complaints and a CFPB complaint filed. However, they refused to lower the monthly escrow amount. My property taxes are no where near the estimate of {$7500.00} their reps insist they are. XXXX taxes were based upon land only, but I have since received a tax estimate that I sent to LoanCare and they completely ignored. I requested, in writing, another escrow analysis more than a month ago, and did not receive a single response. They were scheduled to do an escrow analysis in XXXX as well and did not complete either. I have left messages and have gotten no response. Nothing! This company is running a completely unethical business and their practices regarding escrow accounts are illegal. After the crisis that arose in XXXX, and the subsequent regulation and legislation that went into effect, I am shocked that LoanCare would even dare to attempt to commit escrow account violations. Consumers have rights, and they simply can not be allowed to ignore their clients and illegally benefit off escrow slush funds. Laws are in place to prevent this. Why and how LoanCare continues to get away with illegal escrow account practices is beyond 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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Received an alert on my credit report from XXXX, XXXX and XXXX that XXXX accounts had been posted to all 3 credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX advised them that it was result of " identy theft '' and account was opened fraudulently and without my authorization. This is my 2nd if  not 3rd time reporting this to XXXX. Convergent advised me to contact XXXX ( again ) I did and spoke to XXXX who reported XXXX accounts in the amounts of {$110.00} opened XX/XX/XXXX and closed XX/XX/XXXX and  also account for {$720.00} opened in XXXX and closed in XXXX. I think the phone number belonging to one of the accounts was XXXX. XXXX couldnt give me much information on one bc apparently the person who opened the account put a password on them so they couldnt tell me much, but they did report them. Confirmation number given by XXXX at XXXX is # XXXX. Please remove these accounts from all 3 credit reporting agencies. I will be attaching a notarized " Identy Theft Affadavit '' form and also a police report. PLEASE REMOVE THESE ACCOUNTS and send me a copy of the updated reports showing they were removed.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
Disputed with the company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 per certified mail. It is now XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: DE

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.

Company response to consumer: Closed with explanation