vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had a previous medical condition relapsed causing me to be hospitalized for treatment from XX/XX/19 through XX/XX/19. Capital One closed my account because there were payments that were being returned as unpaid. Since I was receiving treatment not only did I not know my account was closed but I was not able to have access to a phone or computer to contact them to stop the payments and preventing the payment on XX/XX/19 in the amount of {$290.00} and the payment from XX/XX/19 in the amount of {$10.00} returned unpaid. I contacted customer service regarding the closure of my account and eventuall started working with a manager in the fraud  department. I explained my situation and that my intentions were never to have the payments returned. He had me write a letter and I sent it in along with a doctors note showing the dates I was recieving treatment. I advised I was on an unpaid leave during that time. However after they reviewed my documents they declined my offer. However I am wanting to get this resolved because why would they hold a customer accountable for something I was not able to prevent from happening. I have made ALL my payments on time along with additional payments up until I got sick. For a reputable credit card company I am shocked they will not take what happened to me inconsideration and see I never had issues with payments before. I was advised in the credit card agreement it states after one they can and have the right to close my  account. I get that however it could of been prevented if I was able to have the access to do so. I Have attached the letter that I sent to Capital One and the doctors note I can send the leave paperwork from my work as well if needed. Please help me get this resolved and possibly reopen my credit card account with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
An auto loan was fraudently opened in my name in XX/XX/2016. I had no knowledge of the account until its repossession. An. {$18000.00} loan which I did not consent to. GM FINANCIAL. Refuses to remove the item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have identity theft and advised the company of this for months and have tried to dispute this o my credit and nothing is working it is XXXX from moneylion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
There is an unknown collections being reported to multiple credit bureaus from a company called AMERASSIST AR SOLUTIONS. I have not applied for any credit with this company or got any services from them. I believe this maybe a mixup or I may have been a victim of identity theft. I request to please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ACCEPTANCE CAPITAL MORTGAGE
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
loans were paid in full on consolidation with phea/aes also reported on credit report three times same loan paid loan on XX/XX/2018  and still on report as not paid. I tried calling to get matter resolved no help what so ever very disrespectful staff and management

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CT

Complaint narrative:
XX/XX/2019 To : CFPB To Attorney General Re : Online Collections A copy of this letter has been sent to the attorney general. 


CFPB this collection company needs to be fined. They continue to put this account in my credit report. I have had this removed many times. I request that this company be fined {$1000.00} They are illegally continuing to put this in my credit report. I do not owe them nor their creditor any funds. This company needs to be shut down. They are preying on people who they believe will not view their credit report nor fight it. This company in the past have had their representatives type up fraudulent documents to concur a bogus balance. Also please file a complaint against this company for using my personal information I never gave them. 

I requested you investigate this company and the tactics they are using to prey on people to send them money. This is a dispute that has been going on since XXXX. And this company still continues to bring it up. I will not and am not ever paying them a dime. I have stated this to them and the credit bureau which are now investigating due to their negligence of allowing this back in my credit report. 

Re : Dispute Company Online Collections I never received a loan from this company, nor do I owe them any money or their creditor. No one has received an account in my name nor had an account with them. They nor XXXX have produced to me any legal invoice or records of such debt again for XXXX this company is preying or poor people to buck and pay them. 

Request : Please remove from my credit report Re : Credit Report Item Number : XXXX I do not have a balance with, Online Collection Nor do I have a balance with XXXX please remove from my credit report. 

What is their validation of this account again in which has been put in my report 22 times over 10-year period and taken out every time how are these people able to do this again? I do not have a balance with neither company. Account Info Tap labels for more details Account numberXXXX Collection opened date reported in my report XX/XX/2019 this is  a lie and false Account type Collection Department / Agency /  Attorney {$180.00} Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I closed my home refinance on XX/XX/2019. At that time I was told my old mortgage would be paid off by a wire transfer and my " cash out funds '' would arrive via an overnight delivery in the form of a check. 
I was also told and signed documents on the XX/XX/19 that stated my next mortgage payment would be XX/XX/2019 and not to pay the XX/XX/2019 mortgage payment because the final pay-off amount had been determined by the lender and my existing mortgage would be paid in full based on the payoff amount at the time of closing. All documents said the payoff would occur within 5 business days of the closing after the right to rescind had passed ( in Indiana it is 3 business days. ) It is now XX/XX/19 and the loan funds have not been disbursed. I have received payment information regarding my new mortgage telling me when my new payment is due but the old mortgage is still not paid and now has a late fee due. The lender, LoanDepot will not return my phone calls or messages and will not tell me when the funds will disburse as promised. I am currently carrying 2 mortgages on my home and I can not get an answer regarding why the funds have not been disbursed or why my existing mortgage has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I missed 2 pmts XXXX and XX/XX/2018. Started trying to contact BOK to set up a repayment plan on 2 missed pmts never got through on the phone. Filled out paperwork and waited to hear from them never did. When my call finally went through was told they were not accepting mail from me any received would be returned and they were mot to talk to me cause my house was in foreclosure. First I heard of this. This has been on going since then. I do not understand why they refuse to work with me. The only reason I know about the sale date is my son looked it up on the computer. There is not enough room to write all the wrong doings they have done to me and now kick us out a week before XXXX that in itself is wrong. I know it's too late for me but hopefully this keeps them from doing this to somebody else. It should have never gotten to this point. They haven't responded to my request for a payoff amount or a reinstatement amount. How they treat people is wrong and is wearing on my stress and mental levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX   also known as XXXX to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a XXXX and XXXX with XXXX  and XXXX XXXX but a XXXX with experian. There was one collection account on their report that was paid off and has been removed through dispute. I called them and spoke to two people but nobody could tell me why my score is 70+ points lower than the other two companies. Doesnt make sense with all 3 having the same data.

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I've disputed alot of different errors on my credit reports including company XXXX XXXX which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX  is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also NCB has been reporting late payments on my XXXX report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: GA

Complaint narrative:
I've disputed alot of different errors on my credit reports including company Elan Financial which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also XXXX has been reporting late payments on my XXXX  report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian fails to update a consumer installment loan that was paid off in full. I filed a dispute in early XX/XX/2019 and one month later they stated the account will remain on my credit report as 3 percent paid when I paid the loan off in full on 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 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My work car was illegally towed, provided laws that were broken, dr documentation and etc. the company forces you to pay to get the vehicle out holding it hostage. I have zero consumer protection with chase regarding this which is embarrassing as they essentially are agreeing to pay a criminal activity because I know they are doing more than just my car. They illegally made me pay XXXX  dollars. If you don’t think this is a fraudulent company go and visit them. You don’t even see one real person. They lie and tell you the wrong info to keep your car longer. There was never a warning or anything applied my car was stolen and I had no idea where it went because I never received notice. On top of this they don’t even tow actually illegally parked cars as there are cars parked in the middle of the road and in front of fire hydrants and intersections. Seems like they have some sort of selective discrimination here since I’m XXXX

Company response to consumer: Closed with explanation