vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CASHCALL, INC.
State: FL

Complaint narrative:
In late 2013 I was late paying off a loan to Cashcall. I talked to someone who said if I sent {$100.00} now + the remainder of the money I owed in a couple of weeks ( I believe ) that my debt would be paid. I did that, I sent {$100.00} and the remainder of the debt. I went on with life assuming it was done, and I get contacted again and they want another {$2500.00} + in interest accumulated on the {$100.00} I failed to pay. I did pay that, I paid what I was asked to pay. Now they want me to pay this ridiculous amount in fees and I refuse. They have filed a negative credit report on me, and now it's ruining my credit through no fault of my own. I have all of the email correspondence between me and Cashcall in this matter. I am just having an issue accessing them to post here, but I have them and can and will be able to send them all later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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:
They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with Equifax today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
After pulling all three reports from XXXX  and Equifax online around XXXX, 2019 and discovering that there were accounts I did not recognize and exercising my right under the Fair Credit Reporting Act to have accounts varied which are included in the wrote a letter about accounts that I wanted to be verified and sent it regular pre-paid mail. After pulling my report again to see if there were any changes are that the credit agencies may have placed on my report that the accounts were being disputed I saw no changes. Exercising my right I filed a lawsuit against the companies. Then finding more information I liked investigated such as accounts soft, hard inquiries and all accounts verified with written documentation around XX/XX/2019 sent certified mail this time. Although the accounts were quickly returned around XX/XX/2019 stating verified and putting them on notice of the XXXX letter which they claim they did not get they still did not provide to me the procedures and documentation proving to me that the information was 100 % percent verified. I have made several attempts to the attorneys of Equifax and XXXX  directly and informing them that I request the information. It appears that XXXX  does not feel they have to provide me with the information and also that it appears that both companies don't feel a duty to investigate and verify the companies that pulled my report. I have also been a victim of identity theft through Equifax XXXX  XXXX breach. I also have in court claims of defamation of character bureaus have been denied credit due to the information that should be removed under the Fair Credit Reporting Act for not being completely verified and also noot being timely within 30 days. Although a lawsuit is pending now I don't believe neither company should not withhold performing there duty and remove the information that was not verified completely and timely. I reserve the right to explain any additional claims I may and do have regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a business account with TD bank that my account bas been restricted just because i issued out two checks in the amount of {$10000.00} and {$29000.00} for payments. Two days after the check was issued out i called customer service to let them aware of those two checks just because my account is new and was the first time writing checks from my account. The funds were debited from my account on XX/XX/2019 and XX/XX/2019, but TD bank security department called me and asked me to speak to my personal banker to verify the checks issued out which i did. Two hours later my account was placed under review so i contacted my personal banker again and he informed me TD bank securities have taken over my account and he is not allowed to communicate with me. There is no way to speak to that department because my personal banker informed me they only communicate with that department through email and there is nothing he can do to help me. As at now the other parties that i issued out the checks to haven't been paid due to TD bank not validating the checks with the other bank after checks has already been verified by me with my personal banker per TD banks request and checks been already debited from my account. This matter is inconvenient for my business and its causing delays for me to run my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
When Capital One took over Walmart Credit Card they denied me on line access because I do not have either a US based phone number or the CCV code. This is precedicial because I live outside the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
I filed a complaint against the company for trying to collect a false debt from XXXX previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from XXXX, the original creditor. 

The attorney is intentionally not releasing the debt to XXXX so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd XXXX XXXX  and and attorney on this complaint so that I make sure Im following all steps required beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I requested XXXX XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and UC Constitution and release me from the obligation ( {$34000.00} ) under AMERICAN EXPRESS account ending XXXX. Mr. XXXX fail or refused to perform his fiduciary duty as it relates to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: SC

Complaint narrative:
I filed a complaint against the company for trying to collect a false debt from Discover previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from Discover, the original creditor. 

The attorney is intentionally not releasing the debt to Discover so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd Discover bank and and attorney on this complaint so that I make sure Im following all steps required beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover sued me for an old debt that I knew nothing about. They sent it to a debt collection attorney XXXX XXXX  XXXX who has stated that they are no longer collecting the debt ( I attached the proof below in their response from a complaint I filed against them ). 

I am closing on a home and need to pay the original debt to Discover as a settlement for {$3100.00}. 

If this does not take place XX/XX/19 I wont be closing on my home at all and therefore no debt will be collected at all. So Im trying to pay the payoff of {$3100.00} at closing to Discover bank. My closing attorneys will pay it at closing. 

So please forward this complaint to the vendor department so that this can be settled. Or send CFPB in response back the payoff balance of the debt so that it can be submitted to the mortgage closing attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I submitted a directive for XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and US Constitution and release me from this obligation. Ms. XXXX fail or refused to perform her fiduciary duty as it relates to this matter.

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 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I got my Experian report and they are reporting wrong addresses for me that have NEVER been my addresses. I got this corrected before and now they have again started reporting these addresses for me that are not mine and never have been my addresses. They need to remove these addresses, I have lived at the same address for over 25 years and it has not changed. 
The reply to my previous complaint was a standard " we can not be bothered to address the problem '' and they sent the standard stupid " send us all your details again '' I have sent my details to them 16 times and still they have invented wrong addresses to add onto my credit report that are NOT my addresses and NEVER have been my addresses. 
They have refused to investigate where they got those addresses from and to remove them. If they believe these are my addresses then they need to provide me with information Where Experian got those addresses from and how they verified them because they are NOT my addresses. They have my correct information and I have sent it all documents to Experian 16 times and they still are incapable of correcting the information which means there is some kind of fraud going on at Experian or why would I have to send my information 16 times, and where is it and who has it? is another concern for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: LA

Complaint narrative:
I filed a Identity theft affidavit 3 months ago. Equifax placed a message on 2 accounts that is on my credit report. It states, consumer disputes - reinvestigation is in progress. 

The message has been there for 3 months. I sent another letter. Nothing has been done. I feel as though my complain has been ignored. 

This has hindered my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I having been experiencing financial hardship due to loss of employment since XXXX which caused me to fall behind on my mortgage payments. I contacted XXXX, mortgage service provider, back in XX/XX/XXXX and made a payment from XX/XX/XXXX through XX/XX/XXXX. I still had an owed outstanding payments for XXXX-XXXX  XXXX  in order to bring the loan current. I contacted them in XXXX to make another partial payment for XXXX-XXXX  it they wouldnt accept my payment they wanted the entire amount. I found employment in XX/XX/XXXX but still didnt recoup enough catch up earnings to pay the current missed payments. My home is in active foreclosure. I have been contacting XXXX to find out about the balance and affordable repayment options. Each time I contacted XXXX to find out the current amount owed the figures continued to change with each representative that I spoke with. The last communication I had with XXXX was on XX/XX/XXXX prior to their relinquishing my mortgage to New Rez aka Shellpoint Mortgage effective XX/XX/XXXX because they were going bankrupt, the amount reported to me was {$16000.00} not including the reinstatement fees. I was advised by XXXX to contact the attorney XXXX, XXXX to find out the reinstatement fees for attorney costs. I contacted the attorneys office on XX/XX/XXXX and spoke to XXXX and sent them an email as they instructed in order to obtain the quote for reinstatement fees. I had not received any response. On XX/XX/XXXX, I decided to contact Shellpoint Mortgage. After being bounced around, I was advised by the representative tha my monthly mortgage increased from {$1700.00} to {$2300.00} and I have to pay {$25000.00}, not the {$16000.00} that XXXX told me I owed. This figure of {$25000.00} still did not include the reinstatement fees from the attorneys office. I told them I could pay the {$16000.00} but I did not have the {$25000.00}. They told me to contact my point of contact person XXXX XXXX. I dont know where the extra fees came from and what changed in 2 weeks with my original communication with XXXX. I dont know what am paying for but Im stressed out & I feel like Im being ripped off by these companies. Please contact me at ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: LA

Complaint narrative:
There is a account ( XXXX XXXX ) on my Equifax credit report that does not belong to me. 
I have submitted a identity theft affidavit to Equifax 5 months ago, then 3 months ago and again 1 month ago. Equifax placed a comment on the account, consumer disputes - reinvestigation is in progress. 
This fraudulent account is preventing me from becoming a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.
State: SC

Complaint narrative:
I did not know payment would be XXXX on a {$5000.00} loan and its causing a negative balance evey month. I ask them if they could reduce it when I discovered the payment amount and they said it was nothing they could do. I just cant afford this loan at that amount. My bank has rejected the payment this month. I have been trying to get a loan to payoff but have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I paid off the full balance of my Capital One Credit Card. The balance was {$2600.00} and the account was ALWAYS paid on or before the due date. We are a XXXX  military family and it is a major accomplishment to pay them off. Anyway after paying the bill off entirely I get another bill for {$35.00}. This was amazing to me as I had had no activity on the card and expected a {$0.00} bill. So I called them directly and spoke to 2 customer service agents who refused to remove the charge citing additional interest charges. I told them to simply invoke a one time courtesy adjustment and they refused. Now I am refusing to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On the credit report provided by Equifax on XX/XX/XXXX at https : //my.equifax.com/membercenter/ # /credit/personal-information, my current address of XXXX XXXX XXXX, XXXX, NJ XXXX is incorrectly reported as " previous address ''. On the other hand, my previous address of XXXX XXXX XXXX, XXXX, NJ XXXX ( which my ex-husband and I sold in XX/XX/XXXX, following our divorce ), is incorrectly reported as " current address ''. 

While this seems to be a minor or insignificant issue, it concerns me because I've had been concerned about possible real estate fraud problem against my current property, which I bought in XXXX XXXX and have a deed recorded in XXXX XXXX, NJ. 

I tried to submit a dispute on Equifax website, however, the dispute center doesn't have the option to dispute or correct this kind of problem. 

I would appreciate if you can help address and resolve this issue for me. Thank you. 

XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX , NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received correspondence from several attorneys that Jefferson Capital has filed a civil suit against me. In XX/XX/2019 I disputed an account with Jefferson Capital for a XXXX account they were trying to collect on they failed to prove the account was mines which resulted in the account being removed from all three of the credit Bureau. Since the removal of the account Jefferson Capital have never made any additional attempt to collect on the debt. So on XX/XX/XXXX I received some random mail from several attorneys that Jefferson capital filed a lawsuit against me, I immediately called Jefferson capital and spoke with a representative in the litigation department. When I asked her to explain to me why Im being sued if they removed the account and stopped collected on the account months ago she couldnt answer my questions. She then transferred me to the dispute Dept who I then spoke with a manager who couldnt explained to me why I was being sued if they had stop collecting on the account. The manager then told me she will send a email to the litigation Dept manager to give me a call back as they will be the better Dept to explain to me why Im being sued. No one have called me back. I have called on multiple occasions and spoken to multiple reps who keep transferring me to other departments because no one can answer the question as to why Im being sued. I was even transferred to the direct attorneys voicemail and I left a voicemail for them to call me back and still no one have called me back. On XX/XX/XXXX my wife told me that an officer came to the house looking for me to try give me papers from the lawsuit. I then called Jefferson captial once again and still no one is able to give me any resolution

Company response to consumer: Closed with explanation