vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The company is XXXX XXXX XXXX XXXX it is for {$250.00} I disputed the debt through all 3 credit bureau 's and it was taken off XXXX, but it is still on XXXX and XXXX. I have never heard of this company nor have I did business with this company, I have asked for a contract that was signed between me and the company XXXX XXXX   XXXX XXXX and they did not provide me with one. I do not owe this company. Please remove this debt from both bureau 's. This reporting is going against my integrity and character. I want this incorrect reporting removed immediately. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I received the loan on XX/XX/XXXX from the loan officer XXXX XXXX, deposited in XXXX   sometime early in the morning. I gave him my social fulp name, bank routing and account and my log bin bank info. The amount was {$990.00}. A guy with an XXXX voice named XXXX kept ordering mentor buy {$50.00} and {$100.00} gift cards, scracthed Tuesday XXXX and take pics of other and he'll then send me the money. I had a feeling it was a scam and illegal so I stopped doing the procedure 's. He then got angry and impatient. Texted me another number that was his manager, but when the manager picked up the phone, sounded like the same guy. He threatened my social benefits along with return deposit that left my bank in negative balance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX, and I mother originally start buying a house in XX/XX/XXXX, with XXXX XXXX, but around XX/XX/XXXX, P.H.H. Mortgage Scam Artists got on my mom credit reports and so we thought it was legal until, they had XXXX XXXX from XXXX, XXXX sent us a phony Summons, than it led to another Lawyer Scam Agency, after we went through the XXXX Attorney General. We still are living in my sister 's house because the " Privacy Act Laws, " were not there. The state of XXXX received {$45.00} XXXX  Dollars, and yet my mother and I have received anything about saying we can get back into our home or a Refund .... Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX I purchased an XXXX vacation from XXXX ( and XXXX XXXX leaving Monday XX/XX/XXXX and returning Friday XX/XX/XXXX. 

XXXX 's portion for 3 nights ( XX/XX/XXXX and XX/XX/XXXX was {$510.00} ). 

XXXX XXXX charged me {$400.00}, {$400.00}, {$20000.00} and {$200.00} for the flight and taxes for 2 tickets. 

XXXX XXXX flight XXXX was supposed to leave at XXXX Monday XX/XX/XXXX and was cancelled. The flight was rescheduled for Tuesday XX/XX/XXXX at XXXX. 

XXXX XXXX refunded both {$200.00} charges and refunded the taxes of {$51.00} from each of the {$400.00} tickets. I disputed the remaining {$350.00} x 2 = {$700.00}. 

I also disputed the XXXX hotel charge for {$510.00}. 

My sister had booked and paid for 3 days of tours. Tuesday XX/XX/XXXX was to leave at XXXX, Wednesday at XXXX and Thursday at XXXX XXXX. We would not have arrived in time for the Tuesday and Wednesday tours ( 2 of our 3 days of tours ) so we cancelled the trip because of the airline cancellation. 

We were not able to stay longer and the airline and hotel would have charged us more for adding days. I paid for 3 1/2 days of hotel and time in XXXX and was only going to receive 2 days and only 1 of 3 tours that could not be rebooked or refunded. 

I would like a refund for the services I paid for and did not receive. 

I did file a dispute with Citi Bank master card but received e-messages that the disputes were closed because I received a partial refund from XXXX XXXX. I was able to send additional information for the airline cancellation but CITI wanted confirmation from the airline that they would agree to refund all the money. The airline would only refund part of the charge. CITI closed the dispute. I believe my dispute falls under the fair credit act. I did not receive what I paid for. I paid for 3 nights hotel and my sister paid for 3 days of tours. We would have only received 2 nights hotel and 1 day of tours. 

CITI reversed both credits ( XXXX and XXXX XXXX ). I would like the {$510.00} XXXX and remaining {$700.00} charge from XXXX XXXX removed from my CITI card for services paid for but not received and beyond my control. 

I provided the proof from XXXX XXXX that the flight was cancelled and rescheduled more than 24 hrs later. I specifically used a credit card because of the added protection from goods and services not provided. 

I am attaching CITI Bank letters, my responses, XXXX total charge as well as XXXX XXXX email cancellation notice sent to my email. XXXX got rid of the breakdown charges in my account and all I have is the total. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I WAS CHARGED FOR SEVERAL THINGS ON MY ACCOUNT THAT I DID NOT AUTHORIZE AND I HAVE NEVER DONE BUSINESS WITH THESE SAID COMPANIES. I CONTACTED XXXX XXXX WHEN I SEEN THESE TRANSACTIONS ON MY STATEMENTS AND THEY DID NOTHING FOR ME. I REPORTED FRAUD TO THEM BUT I NEVER RECIEVED THE CREDIT ON THEM. I WILL LIST ALL CHARGES ; XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX  XXXX XXXX XXXX-XXXX ALL ON XXXX XXXX OLD NUMBER XXXX NEW XXXX XXXX NUMBER-XXXX PLEASE HELP ME GET MY MONEY BACK. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Customer service representatives are not helpful in answering questions regarding Public Student loan forgiveness. In XX/XX/2012, representatives stated all you had to do was fill out & send the Employment verification form. They never looked into the loan type to determine eligibility or guided to the right type of loan that would qualify for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Repeatedly calling my number for a person not at this number. Have told them they have the wrong number but still calling but not responding to my " hello ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: NY

Complaint narrative:
XXXX listed closed - still do not have funds have court order by surrogate 's court to release funds, documents given to you per the reference number above. 

my brother and I are listed as voluntary administrators on the court order. the court that issued the order says that we can act independently. Key bank is stating that they need both signatures. 

In my last correspondence with Key Bank, I asked them to straiten this out by contacting the surrogate 's court, as the surrogate 's court asked me to do on this matter. 

To the best of my knowledge, Key bank has not done so, and has not returned my correspondence. 

This is a lot of work for {$250.00}, and I would like to close the estate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IA

Complaint narrative:
Toyota Financial has been reporting me late on a disposition fee on a lease for over 2 years damaging my credit. When I went to get a home loan it was brought to my attention that I still owed them for a disposition fee. I was contacted by a collection agency at the time with no contact from Toyota. Called Toyota to settle this up and they told me they would not accept payment. So I payed the collection agency that then removed the debt from my bureau however Toyota did not. Called Toyota today and was told I had to pay it again, after being extorted using my pending home loan and closing date against me I agreed to pay it with my debt or credit card. They advised me they would not accept those payment methods and that there was no supervisor I could speak to that if I refused to give them acess to my bank account via routing number and account number then this would remain open and unresolved. I have had no communications from Toyota other than letter offering me another lease and other products. for 2 years I believed this was handled and it was not I am very disappointed in TFS and how disorganized their organization is. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, I made a payment to XXXX XXXX regarding XXXX XXXX XXXX XXXX to  settle the account in full under the condition that they would remove the account from all three credit bureaus. The company agreed. After numerous letters to Capital One, requesting that they send a contractual obligation bearing my signature, I have been unable to get the account removed. I was told that it would be removed. That has yet to happen and its been over a year. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX to remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so as agreed it needs to be removed from my report. Account Number as it appears on credit report XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXX XXXX XXXX, took payment to close and remove this account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Motor Credit sent a claim against me for {$370.00} for an end of lease amount due on a XX/XX/XXXX lease. They sent it to XXXX XXXX of New Jersey at XXXX XXXX XXXX, XXXX, NJ XXXX for collection. XXXX made harassing phone calls to me. Previously, I asked them for a justification for the charge. On XX/XX/XXXX, I spent over an hour and half on the phone with Toyota Motor Credit and Toyota Motor Credit was unable to tell me why they say I owed {$370.00}. Toyota Motor Credit patched me to a person at XXXX XXXX. On XX/XX/XXXX, the XXXX Associate told me the the {$370.00} was for for a disposition fee and that he was sending to me proof of this. When I received the package from XXXX on XX/XX/XXXX, it shows that the deposition fee had been waived and the paperwork did not provide a justification for the {$370.00} charge. Being tired of being harassed by XXXX, on XX/XX/XXXX I paid the {$370.00} by mail and filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are a handful of hard inquiries from a company called XXXX ( credit union ) I did not authorize these inquiries and need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: IL

Complaint narrative:
I am writing regarding charges XXXX XXXX XXXX XXXX is trying to levy against me. 
Sometime in XX/XX/XXXX or XX/XX/XXXX I opened an account with Capital One. In XX/XX/XXXX or XX/XX/XXXX I got a call from the bank saying they were seeing suspicious charges and wanted to close the account. I said OK, the travel rewards promised were never delivered anyway. In XX/XX/XXXX I purchased 2 tickets from XXXX to XXXX XXXX with my rewards. I elected an electronic purchase, but there was no record of my purchase when I arrived at the airport. I had to pay $ 400-500 for my tickets. 
In XX/XX/XXXX, I received a call reminding me that I had not paid $ 15-16 owed on my account. I quickly called ( on XX/XX/XXXX ) and told them : 1. I no longer had an account and 2. I hadnt made any charges. 
The person I spoke to agreed to reverse the charges since they were not mine. I do not have a recording of the call, but can show I made an approximate 12 minute call to Capital One. 
Since that time I have received repeated requests for late fees. I have written 2 letters to the company ( attached ) explaining again that the charges are not mine. The total requested is now {$62.00}. 
I have 3 credit card accounts that I use for convenience. I pay the charges every month online ; approximately {$3000.00} per month. If I made a $ 15-16 purchase, I would pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX To whom it may concern, At this time, I am writing to you regarding an account listing on my credit reports. This account is NOT mine and when contacting National Credit Systems, I have been treated very poorly. I have requested a copy of a credit application filled out by myself several times, they can not provide one. When asking how they have my social security number I was advised that is none of my business. I have attempted to contact XXXX XXXX XXXX, Manager several times to resolve this issue. I am placed on hold and then transferred to a collector. 

I have contacted the apartment complex and spoke with XXXX and she stated that they have nothing to do with XXXX XXXX XXXX, but that if the collection agency would call them she would have this removed from my credit. When speaking with Nation Credit Systems they stated that XXXX XXXX bought out XXXX XXXX and it is not their job to contact the apartments manager. 

According to 444.3 Unfair or deceptive cosigner practices I should have been given a separate form to sign notifying me that I was a cosigner and what my rights and responsibilities are. 

( c ) To prevent these unfair or deceptive acts or practices, a disclosure, consisting of a separate document that shall contain the following statement and no other, shall be given to the cosigner prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed : I was never given this form and upon requesting this I get transferred from collector to collector asking me to verify my social. I refuse to give my social any longer because I feel this will be their excuse for having it. 

I am at this time DEMANDING that this be removed from my credit report as it has been affecting me in a negative manner. I was never a resident and was told by apartment manger that I was being used as a reference, NOT a cosigner. Please see enclosed eviction notice for this property where I was never listed. Please contact me for any further information needed at the above address or phone number. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent XXXX XXXX XXXX appeared on my Equifax credit report. FTC ID report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has reported 3 items on my credit reports - all which are passed the statute of limitations in CA. I requested debt verification XX/XX/XXXX. Heard no response until XX/XX/XXXX but no debt verification on two of the three accounts. Credit bureaus have no removed these items from my credit reports. I have all supporting documentation, if needed. Please note that the credit bureaus have removed the ORIGINAL CREDITOR as it is old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called XXXX XXXX XXXX who supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from 2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX collect on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in 2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr old fraudulent debt. The law firm of Fein, Such , Kahn & Shepard is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation