vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2015 Chase Bank put a 30 and a 60 day late payment on my account. This was a business account that was supposed to be closed in XXXX but due to some charges after our business closing which should have been denied, the account got charged and became active again. We closed the account because we had closed the business, and since the business did not exist at the location anymore we did not receive any mail or bill so that we could pay this off on time. In XXXX when I went into the bank I was told that I had this negative balance on this card which is now closed due to non payment and I started to pay the balance back down. I have been a long time Chase customer and have never had any issues with any payment and would request that this late payment be taken off my history. This has been affecting my credit history and holding me back and has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a letter threatening to send my account to an attorney. The letter was demanding full payment without providing proof of debt owed. The letter threatend to garnish wages, bank account, and or seize property. 

My family ( Mother, Father, Spouse ) and I have been contacted by XXXX XXXX XXXX   many times and been threated with taking me to court if I do not respond within 24 hours. They have left messages on my phone which have frightened my children and my parents about a debt owed. Once these practices stopped I have received nothing until I received this letter by XXXX next day air with yet another threat to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: CA

Complaint narrative:
XXXX  and Equifax are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof.

I have 2 accounts that have not been properly verified and are still being reported on my credit report.

1 account is for {$610.00} and the second account is for {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}

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 2019-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the XXXX  XXXX. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}

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 2019-07-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2  ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX  {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
Paying XXXX a week on my loan, vand it is only taking off 3-5 dollars of my total balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, three capital one cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A Gold master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.
State: FL

Complaint narrative:
Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express contacted my estranged parents ( whom have a different last name than I do now ) at an address and phone number that I have no resided in more than 25 years. They forwarded an account statement that showed the amount owed to this same address and engaged in conversation tactics on the phone in which they attempted to get them to make a payment on my behalf and disclosed the account balance. 

They disregarded other addresses and phone numbers shared and in the public domain and with them directly. Additionally, the account in question had been reported for Fraud activity previously. Attempts to contact via post have resulted in boiler plate form letters being dispatched rather than meaningful correspondence as it is in collections. This case was reported to the statutory address of record for legal matters and so far no meaningful correspondence has been received. 

In the doing so they officially disclosed my new legal name and associated that legal name with an address I do not reside at with people I am not biologically related to and violated my privacy and created a security concern in the public record associating my old last name with my new last name. 

Unacceptable. Illegal and costly to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, XXXX XXXX XXXX cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A XXXX master card was opened in my name. A XXXX XXXX XXXX XXXX was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the XXXX of my XXXX. She opened an American Express card in his and my name ( because he was XXXX  and I was alive. ) She opened a XXXX and opened a XXXX bank in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and XXXX them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!

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 2019-07-13 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in China. A XXXX credit card was opened in my name, three XXXX XXXX  cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A Macy ' card was opened in my name. A XXXX master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX XXXX. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!

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 2019-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Leased an electric car. 

BMW received a benefit of more than {$7000.00} for the electric incentive rebate from the government The car would not charge because it was not designed to charge when it's more than 95 degrees out. But they sold it in Arizona where the temp is always over that for 5  months of the year. 

Returned the car. Bought a different car because they wouldn't let me out of the sale agreement. ( illegal - car was mechanically non-functional ) New car deal, they " reversed the incentive '' which was wrong because I went from lease to loan. And they financed the incentive into my new payment. 

When I realized this was wrong many months later they refused to negotiate to resolve this discrepancy. I had someone willing to buy the car at a reduced amount of about the same as this {$7000.00} amount ( which was not real value ever ). 

I stopped paying because I couldn't get their attention and then they repo'ed the car but now they are trying to collect the amount due which coincidentally is the same amount I had a buyer to sell the car to! 

They broke the law with leasing me the electric car that was a lemon because it should never be sold in hot climates. 

They controlled all the options until the very end and now they will not let it go even of what they think " I owe '' even though I have no car and couldn't sell it and lost my money, time and am out a car. In addition warranties and other intangible benefits such as gap insurance that was paid has been lost due to this forced liquidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am a victim of identity theft. I do not have any knowledge of these accounts. I have sent Synchrony Bank several letters about Belk amount due {$1300.00} and Walmart due {$500.00} stating I am not aware of these accounts since XX/XX/2019. All my information was compromised my name, address, telephone number, email address, and bank accounts. These creditors have agreed not to issue a credit. I sent in letters to the 3 credit bureaus also.

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 2019-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX - Loan Servicer Bridgecrest. My car insurance became unaffordable and I allowed it to lapse. After being pulled over for no car insurance on XX/XX/XXXX, my car was impounded. Reinstating my car insurance was unaffordable at that time and it took THREE MONTHS to get my car back. I allowed a voluntary repossession so that the impound lot ( XXXX XXXX XXXX ) wouldn't sell my car at auction ... But when Bridgecrest received my car, they almost immediately prepared it for auction. I was able to get the car back to the sum of {$2500.00} paid directly to Bridgecrest ; {$150.00} in XXXX fees to pick up the car, plus associated fees - tickets, fines, etc. 
Reinstating my loan raised my car note from {$190.00} bi-weekly to $ XXXX  monthly. I had no other options. Also, I can no longer pay for free - there's a {$4.00} fee on top of this new payment amount. 
Recently, my payment was late. It was due on the XX/XX/XXXX and I got paid on the XX/XX/XXXX. I reached out online twice and spoke to no one. I was unable to pay online by XX/XX/XXXX. Less than 7 business days and ONE payment late, my car was repossessed. Now, they will not give me the car  unless I pay {$1700.00}! I can't afford that! My car will again be taken to auction. 
Please help me get my car back. I've invested so much time, energy and money. They've been bullying me from the beginning, convincing me to do the voluntary repossession and setting it up for auction very quickly afterwards. Twice. 
There must be a way to get my car back - again ; it is ONE payment that was less than 7 business days late.

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 2019-07-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2019, I received a letter ( XXXX XXXX XXXX XXXX ) from Equifax in response to my dispute to the inaccurate information on my credit file. This inaccurate information pertains to my credit card and is currently hurting my ability to get credit. My XXXX XXXX card should show 51 % paid off and the XXXX XXXX card should show 67 %, but there has been no update to this dispute. The letter says that Equifax is unable to locate my credit file, but I have had several credit and loan applications rejected on the basis on information obtained from them to my creditors. I already sent the SSN and additional identification documents on XX/XX/XXXX when I sent a letter to them via certified postal mail ( XXXX ) asking them to validate my alleged debts which they also have NOT validated nor removed from my credit file even though both XXXX   and XXXX have already removed those unvalidated, negative collection accounts from my credit accounts which have hurt my ability to get credit. 

I should not have to do Equifax 's job for them, especially when I already sent the ID information to verify myself to them on XX/XX/XXXX. After the end of this XXXX, if no action is taken to remove all negative collection accounts, promotional inquiries, and unvalidated inquiries from unknown creditors on my file, I will be suing Equifax in either small claims court or federal court for every infraction of my rights to the fullest extent of the statutory law which protects my rights. 

I have attached a copy of my denial letter from XXXX XXXX for a credit increase based on information given to them from Equifax Inc. They say they can not fine my credit file, but this is a misrepresentation on their part. Additionally, I am also attaching my file from XXXX XXXX which Equifax provides information every month typically to update me on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I had a problem with PHH mortgage last month with holding my money in a suspense and file a complaint ( XXXX ) with you and that was resolved. Still wonder how and why I was charged interest since they had my money since XX/XX/2019 and didn't apply it to my loan until XX/XX/2019 when I got your company involved. But I was told told that I would have my excess money totaling {$290.00} refunded within 15 days and still haven't received it. So on XX/XX/2019 I acquired on their website about this issue. So this morning XX/XX/2019 I went to check my account on their website and it seems my account is disabled and I can not get in to check on my account. I feel this company really tries to not be consumer friendly at all and very dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have several late payments from Navient on my credit report and I do not know why. I was in school from fall XXXX to spring XXXX. In XX/XX/XXXX my XXXX passed away, and because he was a cosigner I was told the student loans would be forgiven. Years and years passed and I never heard from them again. Not a phone call, not a letter in the mail, literally nothing. Then one day I looked at my credit file and I had several late payments from them. This was in XXXX, years and years after attending school. Any attempts to follow up with the company and get it fixed have not worked. When I call they say someone from the company must have given me wrong information and they couldn't  help. I disputed the payments with the credit bureaus, and nothing. I am now paying my student loan payments monthly and have never been late, I don't mind paying. But the late payments on my credit file is ruining my credit and I need it removed.

Company response to consumer: Closed with explanation