vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: NV

Complaint narrative:
I contacted the bank through the online secured email to request that my account be closed as I sold the vehicle I had financed through them and I do not reside in the area of the bank. I email stated that I needed to go into a branch or call the XXXX num. I call the XXXX num to close my account and they proceed to tell I need to go to the branch I open the account to close it. I live over 3,000 miles away from the nearest branch or I needed to find a way to get the balance to XXXX. Mine you I get charged XXXX for the balance under XXXX and you can not do external transfer for a small amount. I explained to them I never had this issue before closing an account as I move often for my job with the government.

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 2019-08-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
While I was on vacation in Rio de Janeiro, Brazil on XXXX XXXX XXXX I noticed a fraudulent credit card transaction for $XXXX  was pending on my credit card account with Capital One (COF). I called COF as soon as I noticed the fraudulent transaction and reported it the same day while it was still pending. Today, XXXX XXXX XXXX I saw that the charge had been returned to my account and I called COF to investigate. They told me that I was responsible for the charge because according to their investigation I am responsible for the charge. The charge is from a vendor I have never heard of and for an amount that I never authorized and it is completely out the realm of possibility that this charge is for anything legitimate but Capital One has closed their investigation and will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation
State: KS

Complaint narrative:
Loan was paid off by a Credit Counseling Agency- XXXX in 2018.  XXXX paid the amount due provided by XXXX.  However XXXX still shows a balance of XXXX on my credit report. They show the amount on time, but will not remove it from my credit report. I have contacted them several times. They will not respond to me.  There is NO balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last summer I totaled my vehicle. After XXXX received the insurance check they immediately charged off my account while continuing to apply negative missed payments to my credit report each month. I opened up a dispute with Experian, and their investigation made matters worse. The date that this negative remark will remain on my account was originally XXXX after the investigation they increased the length of time to XXXX without providing any reasoning. This once again proves that XXXX continuously falsely impacts my credit score in a negative manner.

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 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Check Resolution Inc.
State: AZ

Complaint narrative:
I was contacted by National Check Resolution on XX/XX/19 screaming at me and threatening to sue me or damage my credit if I did not pay immediately! I was terrified so I agreed to settle the debt for {$1000.00} dollars beginning on XX/XX/19 paying {$75.00} every 2 weeks. They took payments on the following dates all in the amount of {$75.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last payment should have been on XX/XX/19 in the amount of {$55.00}. No payment should have been taken after XX/XX/19 as the debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
On XX/XX/2019 I took out what I thought was a payday loan for {$520.00}. It turned out it was a line of credit in which this company expected me to pay {$66.00} bi weekly. Only {$20.00} of the {$130.00} would be applied to the principle balance which is Insane!!. This company has caused overdrafts to my bank account and financial stress. It is wrong for companies of this kind to take advantage of individuals who are experiencing financial hardships and add more financial crisis on customers. This company is a complete RIP Off!!. I spoke to them and they showed no empathy at all. They are harrassing me at home and even calling my work place. I fear of losing my job, due to the harrassing calls. I feel I have paid enough on this loan and haven't been given any credit. Now I'm being told I owe {$720.00} now even after my payments for the last 3 months. This company is a complete RIP OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm not sure if this is a loan I borrowed o I remember paying a bill off. I would like to see a actual Contract were the collector Brought the contract in Original Signature of mine. 

I need to see the actual contract with my signature. 
Were is the accounting of these intrest and fee 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
This is the third complaint I have filed against One Main for the same issue. One Main continues to incorrectly report my account information.

On or about XX/XX/XXXX, I took out a loan in the amount of {$7500.00}. From XX/XX/XXXX until XX/XX/XXXX, I made regular, on time payments to One Main for the loan. On.XX/XX/XXXX, I filed for a chapter XXXX bankruptcy. At that time, the loan was included in the bankruptcy. On or about XX/XX/XXXX, I received a discharge, and this loan was included in that discharge.

One Main continues to report incorrect information regarding this loan. My first complaint with them, they continue to auto draft my account for a period of three months after the bankruptcy filing. After the complaint, they refunded the money erroneously deducted from my account, going back to XX/XX/XXXX. Then, they reported the account as charged off after the bankruptcy, and continued to report payment history. Finally, on XX/XX/XXXX, they corrected this erroneous information and agreed to report the account as follows : Balance : {$0.00} Last Payment Date : XX/XX/XXXX Payment History : Current Discharged Chapter XXXX Now, on XX/XX/XXXX, I discovered they are once again reporting this account incorrectly. Despite me making on time payments from XX/XX/XXXX until XX/XX/XXXX, they are once again reporting the account history incorrectly. They are reporting XX/XX/XXXX through XX/XX/XXXX as 'Failed to Pay '. This is not correct. I made on time payments during this period. They received {$300.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and {$240.00} on XX/XX/XXXX.

They can't seem to get this account reported correctly, and it is negatively affecting my creditworthiness and my ability to obtain employment in my career field. My bankruptcy was due to a medical issue, not irresponsible debt management. And prior to the bankruptcy, despite having debt, my bills were all paid on time. There were no late payments. The status of this account contradicts this.

Please see the attached exhibits : 1 ). Letter dated XX/XX/XXXX where One Main agreed to correct my credit bureau information.

2 ). Documentation provided to One Main on XX/XX/XXXX.

Note : You will see in this packet, they were reporting the account current for the XX/XX/XXXX through XX/XX/XXXX payments.

3 ). Previous complaint with the CFPB regarding the reporting of the account during the bankruptcy proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
Collection agency national credit system Couldnt verify the amount and reason owed when call landlord XXXX XXXX XXXX  directly couldnt confirm anything due to new landlord XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: CA

Complaint narrative:
The account is not mine, I never had an account with this company and never own any monies to this account especially medical been that I always had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The balance was around {$400.00} they want me to pay them around {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The balance was around {$400.00} they want me to pay them around {$900.00}

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 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Collections, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from Express collections. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Express collections in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Per the FCRA a charge off account cant report a monthly payment. Due to the nature of the situation and given the opportunity multiple times to update I can request a deletion under the FCRa. 
XXXX XXXX is reporting a monthly payment on a charge of account

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 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
UNAUTHORIZED INTERNATIONAL CALLING FEES ON MY BOA XXXX ACCOUNT ON DEBIT CARD XXXX LAST 2 MONTHS RECENT CHARGES XX/XX/2019 XXXX CENTS XX/XX/2019 XXXX CENTS XX/XX/2019 XXXX CENTS I have requested from boa XXXX # for disputed charges removed and details of each unauthorized charge of these international calling fees. No response I just notified boa an hour ago again online boa email on their feedback of boa experience website for requested credit of disputed fees and copies of transactions Who made the fraud charges address and phone of entity who did these so I can make another boa fraud report and police report to be included on my FTC identity theft files already registered

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 2019-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
THESE ACCOUNTS WERE OPEN BY THIEF AND NOT ME. There has been multiple collections placed on my account from XX/XX/19 for {$130.00} XXXX XXXX, XX/XX/19 for {$840.00} Ability Recovery, XX/XX/19 for {$760.00} ( XXXX XXXX XXXX  ), XX/XX/19 for {$1600.00} XXXX XXXX  ( XXXX XXXX XXXX ) with no valid documentation provided!!!. IVE REACHED OUT TO THE COMPANY TO INFORM THAT IM UNAWARE OF THE DEBT, IM FULLY INSURED AND HAVE NOT BEEN HOSPITALIZED TO OCCUR SUCH DEBT OR TREATMENT. IVE EVEN WENT AS FAR AS DISPUTING ON MY CREDIT REPORT TO NO RESPONSE..I AM PUNISHED WITH A LOW SCORE THAT HAS IMPACTED MY LIFE TREMENDOUSLY, I CANT EVEN GET MY FIRST CREDIT CARD BECAUSE OF THE MALICIOUS FRAUDULENT INFORMATION ON MY CREDIT REPORT! I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT OF THE REPORTING ITEMS AFFECTING MY SCORE MY LIVELY HOOD IS IN SHAMBLES DEALING WITH THIS. VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT IS REQUESTED, I DEMAND TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A INK SIGNATURE ON IT. COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE PROOF I SIGNED AND CONSENT!

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 2019-08-03 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This account neither is or ever was an account of mine. I am requesting that I get this removed from my credit report. Clearly there was no single payment made and as a result my credit has been damaged. Your prompt attention to this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Spoke with Mr XXXX today from Experian. Contact XXXX XXXX XXXX I stated I would about account. 
After careful investigation Ive discovered XXXX not only refusing to provide a payout certificate they were fraudulent posting payments to reage Credit date from last payment date of XX/XX/XXXX to XX/XX/XXXX. As you can see this blatant disregarding of any working relationship You have with XXXX and a criminal not civil act. 
Im asking for immediate deletion internally because in blatant reage of credit Ive provide copies of claims below thanks Ps should be 3 attachements

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 2019-08-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX marked XXXX XXXX verified during last dispute. 
Requested a copy of the contract to only discover as I already knew thats not my signature as Ive reported to XXXX multiple times Ive never signed a loan document with your company. Ive attached my New Cdl and my Social Security card as proof thats not my signature. Requesting immediate deletion of account do to not legally owning this debt Ive provided 3 attachments 1. XXXX Truth in lending 2. Cdl 3. Social Security Ive block out my vital information to protect me from scams and further identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX  and Experian marked XXXX XXXX verified during last dispute. 
Requested a copy of the contract to only discover as I already knew thats not my signature as Ive reported to XXXX multiple times Ive never signed a loan document with your company. Ive attached my New Cdl and my Social Security card as proof thats not my signature. Requesting immediate deletion of account do to not legally owning this debt Ive provided 3 attachments 1. XXXX Truth in lending 2. Cdl 3. Social Security Ive block out my vital information to protect me from scams and further identity theft

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 2019-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Request signature from Exeter due to telling them account doesnt belong to me. Exeter sent a Truth in Lending act with signatures that are not mine. Due to the issue ive taking possession of the vehicle from my XXXX XXXX due to correcting issue with Exeter due to the attempted to repossess the car after telling them intent to pay if provided loan paperwork. Because I asked from loan paper work they attempted to get a quick fix instead of handling problem civilly or verbally. Repeatedly Ive told representatives to provide paperwork so we can settle amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-Atlantic Finance Co., Inc.
State: TN

Complaint narrative:
This company repossessed my car with informing me of the repossession after paying over {$2000.00} in payments! I never received notice about the repossession and kept contact in the coming days with multiple people at the company regarding my account with emails to provide!!! they screwed up with containing the wrong information in varies departments! After being transferred to the company via my original furnisher without consent Ive asked for the original documents which were not given, theyve maliciously reported incorrect payment amounts as well as incorrect payments rendered monthly which increased the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: VW Credit
State: FL

Complaint narrative:
XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX  XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am a full-time student and I found out a student loan I had with Citizens Bank being handled by XXXX was listed as defaulted Citizens Bank and now is in my credit report blocking my other student aid options. All my other loans both federal and private were in deferment or forebearance except XXXX failed to list this one.  Citizens Bank has now referred to collections and I have not been provided the opportunity to make payments even though I am a full-time student. Citizens Banks says XXXX can pull loan back to them but XXXX says Citizen Bank has to initiate the process. Both deny what they need to do. 

I was told by Citizens Bank that I should have been offered a temporary forbearance which was not done but they refuse to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The capitol one bank account that was opened in XXXX under my name and social security number is identity theft or a huge mistake if possible. I was only XXXX XXXX XXXX in XXXX and never had an account until XXXX when I went to college. Ive tried to dispute it, Ive called capitol one, filed a complaint in the past and nothing has happened. It is affecting my credit score and it has caused lots of stress. Please fix this issue. Thank you

Company response to consumer: Closed with non-monetary relief