vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: SUNTRUST BANKS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I requested a loan from XXXX. I was referred by XXXX 's page on motorcycle loan. I changed the amount to {$16000.00} after finding the specific one that I liked. I had to provide vehicle information ( model, etc. ) before the loan was approved. The fund was transferred to my checking account on XX/XX/XXXX, and I made a payment for the specific motorcycle on XX/XX/XXXX. I subsequently provided more information. The first payment was withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I somebody from the company left a message tat I should call. When I called, they had no clue what it was about. Then I received an email message stating that " After reviewing the vehicle information you entered online, it appears you purchased a motorcycle, which is not considered an automobile. The incorrect loan purpose was selected. Therefore we are requesting that you log into your XXXX account online to schedule a payoff within the next 30 days. '' I talked to a customer rep. ( XXXX ), who said that I could either pay off or have it refinanced. First of all, if I have enough money to pay it off, I would haven't applied for a loan. Second, I was directed by eBay auto financing for a motorcycle loan. I have no idea why I was directed to XXXX if they do not do a motorcycle loan. Third, they should have looked at the information I provided before approving the loan. In any way, I did not hide a critical piece of information. According to the agreement, " The loan evidenced by this Agreement ( " this loan '' ) is made when each of the following conditions is satisfied : ( 1 ) you electronically sign this Agreement and we accept the Agreement ; ( 2 ) you provide us with all the information we request to set up and Fund your loan and verify your identity for authentication purposes ; ( 3 ) we pay the loan proceeds to you ( " Funding '' or " Fund '' or " Funded '' ). '' I have met all requirements. The agreement also states that " We may, in our sole discretion, refuse to accept your Agreement and elect not to pay the loan proceeds to you if ( 1 ) you do not satisfy all of the above conditions by XX/XX/2018 ; ( 2 )  you are one or more days delinquent on any other loan obligation that you have outstanding with us, our successors, or assigns ; or ( 3 ) we have  reason to believe that you made any materially false statements on your application for this loan. '' I did not meet none the criteria. In short, XXXX is attempting cancel this loan, which does not seem to be their right, based on information provided in the agreement.

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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i had three checking accounts with navy federal credit union the first time I made a claim my ex boyfriend had someone call into the bank pretend to be me and order a new card and used to it get my money then I filed a claim the bank gave me the money then took it bank then they closed that account .the second account is still open my ex tried to XXXX  me and my kids I had to leave my home I left everything behind he used my debit card called the bank as soon as I found out the bank told me its my fault and the denied my claim and told me to go ask my ex for the money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX. I just turned XXXX on XX/XX/2018. I checked my credit 2 months after I made XXXX and noticed a collection on my credit report. I have never had any credit beside my mom credit card. This company Convergent is saying I owe money to XXXX from 5yrs ago. 
This is not possible because I was XXXX at the time. I disputed the charges and its still reporting on 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 2018-08-29 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
Second time I receive call at work from Manager caller ID says anonymous does not show company name only has happened the last two times previously I got call and caller ID said empire and listed phone number have not signed work authorization to receive calls at this job but I don't like getting anonymous calls at work from XXXX  at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I'm being sued by Bank of America. I used to get statements in my email. However after I moved to XXXX in XX/XX/XXXX I no longer had access to the XXXX email account. I tried for a year to get Bank of America to send me a statement.

I talked to a lawyer who said my only choices is to loose the case or try and work out a payment plan.

I've been trying to get help with this is due for a long time and no one seems to help. How can I be sued when a creditor broke the contract. I did fall on hard times and trying to get back on my feet. This is the last thing I need right now.

The court date is XX/XX/XXXX. The magistrate court lied to me about me getting the case transferred to XXXX where I moved too. 

I can not get to XXXX to fight the case. I just need help. Please.

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 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've had a Capital One MasterCard for over a year now. I began with a {$300.00} credit limit. The first time that I requested an " online '' increase on XX/XX/17 resulted in a denial. The explanation provided didn't make any sense ( see attachment ). In XX/XX/XXXX, I submitted another " online '' request which resulted in a {$100.00} increase. I've made a majority of on-time payments on this credit card. I've always paid 3 - 10+ times more than the minimum monthly payment of {$25.00}. I've paid the card off in FULL several times. Despite all of this, I've never received an " automatic '' or promotional increase from Capital One. On today, I spoke with a representative by the name of XXXX with their Executive Resolution Department who was rude and defensive from the very beginning of the conversation. She didn't prove to be helpful at all. She even refused to let me speak with her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.

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 2018-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NY

Complaint narrative:
For most of this year I have received electronic correspondence from Ace Cash Express. I never was and never will be a customer of Ace or any such lender.

I have repeatedly contacted Ace Cash Express to inform them that I am not their client. I have repeatedly given them my contact information and other personal data to enable them to correct their records. 

However, I continue to receive correspondence from Ace. I am concerned with both identity theft and my credit score.

It is obvious that Ace Cash Express has limited controls over its operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: CA

Complaint narrative:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XX/XX/XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law.

Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX XXXX. AC # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

Attached herewith 1. My dispute i sent to this company on XX/XX/XXXX 2. My police
report 3. my FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found incorrect information on my credit report with trans union and attempted to dispute it online- after creating an account and entering information, their webpage would not load ( tried on 2 different computers ). I clicked on the dispute by mail link to download form and there was no form to download on the page, only an address to mail it to. I used XXXX to find form on a completely different page, and downloaded it. I called the XXXX number and was told by an XXXX rep that they I couldn't dispute it by phone. I asked for a supervisor and was on hold ( for approx 10 minutes ). XXXX supervisor was impossible to understand, and he was having trouble understanding me- I asked to be routed to an English speaking rep in US- was on hold for another ( approx ) 20 minutes. Finally spoke with an english-speaking supervisor ( XXXX ), who was sorry that their website wouldn't work, but I can't dispute by phone. Trans Union is reporting obviously incorrect information and impacting my interest rate, while intentionally making it difficult or impossible to correct the record. The disputed items are 2 hard inquiries : XXXX XXXX ( I don't have and have never applied for a mortgage from XXXX ), and XXXX ( 2 hits same day for 1 card, obviously an error ).

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 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: TX

Complaint narrative:
The following are a list of dates that will help outline my struggle with Selene Finance LP.

XX/XX/XXXX filed an insurance claim with my carrier XXXX. Total Claim Check amount is {$21000.00} XX/XX/XXXX - XX/XX/XXXX Completed the claims process with farmers and they send me a check made out to me my wife and XXXX XXXX XXXX who owned my mortgage at the time..

XX/XX/XXXX jumped through all the hoops required for disbursement and XXXX XXXX XXXX sells my loan to Selene Finance. Selene Finance requires me to jump through the same hoops.

XX/XX/XXXX-XX/XX/XXXX XXXX  with Selene Finance tells me they are requesting disbursement. I ask how long and they tell me it could take 10 to 14 business days to hear from corporate 5-7 business days for check processing and 5-7 more business days for the check to reach my mailbox ... ..WHAT?!

XX/XX/XXXX to XX/XX/XXXX I pay out all of my savings which isnt enough to cover the work done to my home and I still owe the contractor a lot more money.

XX/XX/XXXX-XX/XX/XXXX I give them time to get me the money ... guess this was a bad idea ....

XX/XX/XXXX They tell me ... .and I quote ... '' It looks like we have lost the check..Oh wait no we have it, but we cashed it, but we cant give the money to you. '' I asked why and they said we dont know we need to here back from corporate.

XX/XX/XXXX - XX/XX/XXXX I have gotten XXXX to provide proof of payment and Selene Finance says they have the money, but are working on figuring out what happened with an accounting error before they pay me. ( LOL it takes a month for you to figure out an error you made? WHAT?!! ) XX/XX/XXXX I call them today and demand to speak to corporate. They will not let me speak to corporate. They will not pay me. They acquired my loan on XX/XX/2018 and we are about to enter XX/XX/XXXX ... These people are crooks I need help badly..

My agent said he has never seen a Mortgage company do this to an individual. He said I should get a Lawyer or contact the attorney generals office ... I dont know what to do PLEASE HELP List of names of people who claim they are helping me from the " loss draft department '' : XXXX  ( He is the one who is following my case ) XXXX  ( answers calls ) XXXX  ( supervisor ) I know these people are " trying '', but their efforts are clearly not working..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: LA

Complaint narrative:
I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HONOR FINANCE, LLC
State: TN

Complaint narrative:
The fiance company honor fiance company took the car to fix it cause it shut off on me on the freeway In front of a 18 wheeler. Return the car two months later still not fixed. We i had them come get the car one year ago i only olded them 3500 or less now they double the price of the car and the have the car back since XX/XX/2017. The dealership who sold me the car told me there was a recall on the air bag which was a lie the air bag was deployed when they sold me the car tried to not keep the car the same day of purchase but he at XXXX XXXX XXXX said he could have aold the car and didnt want yo refund my money before i took the car off the lot. Contact the fiance company same day of purchase XXXX was the one told me that the air bag was deployed he ( XXXX  ) at honor fiance tpld me to trade ot in but no one wanted it for a trade cause they said the car was not worth the equity of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: PA

Complaint narrative:
XXXX, Equifax and XXXX are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account.

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: PA

Complaint narrative:
XXXX, XXXX and Experian are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. 

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. 

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived

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 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
90 days ago XXXX credit showed up on my experian credit report. This was after the same company tried to take money out of my bank account and I filed a police report. My bank then denied the company and reversed charges. 
I have NEVER had an account with XXXX credit. My purse was stolen in XX/XX/XXXX I don't know if that has anything to do with it, but I have disputed it with experian unsuccessfully and can not get a response from XXXX after emailing repeatedly. I would like this account immediately removed from my credit 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 explanation