vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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: KS

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified XXXX and Equifax on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition XXXX is reporting a XXXX ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: IA

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Calls twice a day with a recorded message that says " my loan with MAS financial is in default, press 1 to speak to a representative. '' I push 1 and it transfers me to a " disconnected or no longer in service number. '' I call the company direct and the robocalls aka automated calls from an auto-dialer still continue even tho I've talked to them. And I've told them a number of times that the robot calls continue twice a day everyday and they said there is nothing they can do about it. I filed a complaint with the XXXX  which is doing nothing with the robocalls. Also I have asked like 10 times if not more to get a statement with the amount and how they arrived at that amount and they have yet to procure one, they did send me a letter saying that the insurance only covered part of it and that this amount is what is left. I am not accepting it. i would like to see everything the original loan amount minus down payment, and for the love of XXXX I doubt it was applied as I was told by the dealer that no finance company will not finance anyone without a down payment. So where did it go? The dealership took the {$1000.00} was the 100 % profit for them? I was lead to believe that the finance company got that money. Plus I wan na see the payments and interest that was applied as well as any fees. I want it broken down. Do I have to send them an XXXX spreadsheet to fill out? I thought this was a professional company. Obviously not. They did say something along the line of well why didn't I have gap insurance? I told them I asked about it and was told I didn't need it and that they didn't offer it, and they didn't know who did offer it or where to get it. I was told that finance companies are the ones to offer it, it was a requirement for the last car I bought and the finance company offered it and included it with the payment.

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a " New Balance '' on a Capital One Platinum Credit card of {$340.00}. I paid {$380.00} in two payments before the due date of XX/XX/2018. I was charged interest on the New Balance despite the language on the credit card agreement which states that if the New Balance is paid before the due date, no interest will be charged. I called the credit card company but they refused my claim. I paid the balance on the account and closed the account. However, I feel the practice of the credit card company is illegal and is not typical of the other credit card companies I do business with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I responded to a 0 % introductory credit card offer by mail from U.S.A.A Credit Union and was approved and accepted the credit card. Then I called back to inquire about additional 0 % credit card offers. The representative advised that I qualify for another offer which i took advantage of that one as well. I was led to believe that this was another 0 % card offering. I received my statement for both cards then I noticed that one of the cards had an interest rate of 21.15 % and had fees due in the amount of {$140.00} for interest charges based on the account activity. I was shocked when I opened my statement and saw these charges. I immediately called the U.S.A.A to discuss this. The process of dealing with these type of concerns was extremely complex and confusing. I spoke with a number of managers including XXXX on XX/XX/2018, XXXX XXXX, XXXX a Sr. Bank Analyst in the executive resolution department. I spent hour after hour on the phone trying to get this issue resolved. I requested that the credit union provide proof to me that the 21.15 % interest rate was disclosed to me during the telephone application process, and if the call was recorded. I finally received a phone called from a technical writer within the credit union advising that there was not a record of the phone call in which the application was taken so therefore it is Not an error on their part. The technical writer in which I do not recall her name also stated that the interest rate would have been disclosed during the balance transfer online process. I advised that the balance transfer that took place on my account was initiated by a third party ( my wife ), therefore disclosures were not where her emphasis would have been, she was just following my instructions to initiate the transfers in which I had already advised her that it was a 0 % intro rate to my knowledge. The technical writer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: KS

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified Experian and XXXX  on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition Experian is reporting a XXXX  ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
Collection appeared on my credit report with a date of XX/XX/XXXX but was not on my report until XX/XX/XXXX. Debt is not mine and I want it removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing today in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant role in this process. I am asking about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CT

Complaint narrative:
COMPANY 'S INTERIM RESPONSE Additional time needed Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We Are Here to Help You If you need assistance, contact us immediately at : XXXX It is critical that you work with us on a resolution for any issues that affect your ability to make timely mortgage payments, whether your challenges are temporary or long term. The sooner you respond, the more quickly we can determine whether you qualify for assistance. Options May Be Available The right option for you depends on your individual circumstances. If you provide all required information and documentation about your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home ( refinance, repayment, forbearance, loan modification ) or leave your home while avoiding foreclosure ( short sale or deed-in-lieu of foreclosure ). For more details, please see the attachment on Avoiding Foreclosure. Send Us the Information We Need to Help You Requesting help is the first step. Start by providing information and documentation to help us understand the challenges you are facing. To do this, follow the detailed instructions on the attached Homeowner Checklist to complete and submit your Borrower Response Package to us. Once we have received and evaluated your information, we will contact you regarding your options and next steps. Learn More and Act Now For more information, please see the Frequently Asked Questions and other information provided with this letter. If you need assistance, contact our customer support team at XXXX. Sincerely, Loss Mitigation Statebridge Company, LLC NMLS ID # XXXX this is what has happened. They sent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to 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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX it was discharged in XXXX. My car nor my mortgage were included in the bankruptcy. My payments to both have and continue to be in full and on time. Yet on my credit report it reflects included in bankruptcy and they are not reporting my payments so my credit is getting worse not better. 

Account Name Account Number Account Type XXXX - Bureau Account Designator Date Open High Limit Monthly Payment Account Balance Last Reported Account Status Amount Past Due XXXX Individual XX/XX/XXXX - - - XX/XX/XXXX INCLUDED IN BANKRUPTCY - Comments BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED, FIXED RATE,

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 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2017 my BOA checking account was charged a $ XXXX  monthly fee due to what I was told was having less than a {$1500.00} daily balance in my account. I had previously been told in person at my local branch that I had only needed to keep a monthly average of {$1500.00} in my account to avoid this $ XXXX monthly fee. Upon calling BOA this fee was explained to me to be a daily balance, not a monthly balance upon which I told them of the discrepancy of what I was told in person at my local branch and what I was being told at that time. I asked if the fee could be waived at that time due to the misunderstanding and the 12+ years of solid standing I had with BOA upon which I was told no by the first and second level call representatives.

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 monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
SYNCB/XXXX XXXX  XXXX XXXX HAS A BALANCE THAT IS VERY OLD ON MY CREDIT REPORT, I BELIEVE IT WAS RESOLVED AND SHOULD NO LONGER BE ON MY REPORT.

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 2018-04-23 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXXXXXX XXXX XXXX XXXX XXXX mentioned accounts.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have asked these companies to pull these reportings from my the bereau because they solicited my business after they told me that this would be a soft pull and said that it was only to look at the credit history even after i told them of a public record was on my file. I was decieved and think that the company should own their responsibility and remove it after one year as they told me. VERY DECEPTIVE!! 

XX/XX/2016 US BANK XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX WA 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 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I was called by FMR or Forward Movement Company. They contacted me with the number XXXX and XXXX, in the words of their supervisor their number changes often. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York. According to the local police department they are well known to run many scams. According to consumer finance they have over 500 negative complaints. 

Since XX/XX/XXXX they have called me about 11 times. I have spoke to them 4 times telling them to stop calling me, including telling their management. In their messages they demand that I give the information regarding the where about of XXXX XXXX ( last name not understandable. ) I do not know this person and I told them that. 

I have called them on each number they call me from, each number leads to the same company and each time they say that " I am not in the system '' " they never called me before ''. They are liars, they call me and then say they never called me, I have the call logs and voice messages to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I paid {$3800.00} on XX/XX/XXXX paid my account in full. I was told by several representative that they report to XXXX XXXX every XX/XX/XXXX. Nothing has been reported. I called XXXX XXXX and opened a dispute on XX/XX/XXXX. I called an spoke with manager XXXX XXXX at Prosper Market Place that they reported and it is not his problem when XXXX XXXX updates there information he said he could send me out a paid letter in full which he did not. this was on XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX spoke with Supervisor said there still was no update and my dispute came back showing the same thing not paid. I have gotten but poor customer service from Prosper Market Place. 

The total payments in all was {$5600.00} paid off in 12 months ( loan term was 36 months I paid it off early ) Loan originated XX/XX/XXXX interest rate 9.46 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I initiated an Electronic Funds Transfer via Google Pay Send / Google Payments Corporation ( GPC ) on XX/XX/XXXX, in the amount of {$8500.00}, which was debited from my XXXX  XXXX XXXX Checking Account ( XXXX ) on same date. 
To date ( XX/XX/XXXX ) GPC has failed to deliver said transfer to recipient, failed to provisionally credit my account, and failed to refund or return funds to me. 
Additionally, upon my verbal and written notification of error on XX/XX/XXXX ; GPC failed to conduct a timely, thorough investigation ; failed to correct error within 1 business day ; and failed to issue provisional credit for the amount in error, pending completion of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
Great Lakes Student Loans XXXX XXXX XXXX, is garnishing my wages through XXXX. All of my student loans are in forbearance or deferment. I am not sure where this came from. I can't get any information other than they are garnishing my wages for 15 % of net disposable income - $ XXXXpay period = $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One AutoLoan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to 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