vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I called in on XX/XX/14 which was the XXXX day to make my payment for XXXX. i was advised that the check for my payoff will be backdated to XX/XX/14 and my credit will not be effected due to backdating the payoff. i spoke with sup XXXX ID XXXX today and she advised me that the rep did misinform me and there was nothing chase could do on their end to correct the reporting. had i been advised to make the payment that day i would have. i offered to send in proof of closing from XX/XX/14 with my new car as well as bank statement proving funds were available to make payment on XX/XX/14. i am begging for some assistance as my father is on this loan as well. he is a veteran and this could impact his clearance. this is my first time ever trading in a car so i was unaware as rep should have coaching me to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Per previous complaint XXXX. Which was resolved, with conditions of XXXX Completing tasks to finalize my servicing needs. XXXX XXXX has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. XXXX financial should have removed these items given XXXX XXXX was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, XXXX XXXX applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again XXXX XXXX violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting  have caused difficulties in obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXXNearly every account on my credit report still have inaccurate, incomplete information regardless of several disputes this year and a phone call today. They always come back accurate/verified and then nothing else happens. Failing to report things as important as opening date, closing date, highest balance, etc. as required to do. When asking who the 3rd party was that was verifying this information, the rep did not know who. From my research it appears to LexisNexis previously and now XXXX. When I look at my LexisNexis Report, the information does NOT match what is on any of my credit reports. The Bankruptcy Court said they do not report to anyone so the data is not coming from there and would be wrong anyway. Are the credit bureaus taking short cuts? *phone call recorded XXXX2019XXXX was a dispute, closed XXXX.19 stating accurate and remains. I found that to NOT be true. Over the last several months there were many, many errors I had to dispute. I did so via the mail, online and on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.

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 2019-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I recently paid off my debt with GM financial and have a balance of XXXX which are the remaining balance of the late charges. I have let this company know I lost my job and have no income. At this time ans over and over again as well as getting repeated calls this is going against my credit. I can not get a release of the title or negotiate for less on the inflated finance charge. I have been told if this balance is not paid by XX/XX/XXXX it will be charged off and I still will not have the title to my car. The calls are repeated each day over and over,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Today ( XX/XX/2019 XXXX as of XXXX a debt collection company has called me from various numbers 15 times, today alone. The numbers and times are as followed : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called me twice from this number in less than a minute ) >XXXX ( XXXX ) This harassing behavior has been going on for several weeks and has been getting more frequent everyday. 

Yesterday ( XX/XX/2019 ) they called me 16 times, as follows : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) This behavior has been going on since the middle of XX/XX/XXXX. For the first few weeks, they only called a couple times a day, but this week they have been incessantly calling me, as you can see above. This harassing behavior isn't going to get them their money any faster. I will pay it when I can and as of now I just sold the only thing I own that has material value in order to pay rent. This harassing behavior is only causing me more emotional distress than I am already experiencing during this difficult and overwhelming time in my life and it isn't only unfair to me but it is also unfair to the poor souls that have to waste their time harassing me for the collection agency. 

I am unsure who the collection agency is because I can hardly understand the collectors when I am able to answer the phone ( which is rare because they are typically disrupting me at work ). However, I do know that the debt they are trying to collect is my credit card debt from Capital One. Hopefully that and the phone numbers listed above will help you to identify who the collector that is so terribly harassing me is. 

The collector has even called an additional 7 times just in the amount of time is has taken me to type this complain. 
>XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) That makes 22 calls today alone. 

Thank you for your time. Any help is appreciated because this frequent calling is blatant harassment and is completely inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had an account with a communications company for about 3 years, I moved transferred service and continued for a few months. Paid off entire bill ( XX/XX/XXXX. {$44.00} ) everything was then closed. I then applied for a small loan, ( XX/XX/XXXX ) this was then I was told by the bank that I had a debt in collections for {$100.00}. My credit is destroyed, and the biggest problem is that the company, or collection agency NEVER called, or sent any type of notice. All my bills are always paid on time. I would have handled the bill originally when it came. After finding out about this, I called the company and asked them about this. They stated they cant look up anything about this bill because they dont have it anymore, they will however, accept a payment from me!! This has completely destroyed my credit and I am now in dire straits. The collection agency violated the fdcpa by not making ANY TYPE of communication to me about this supposed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXXXXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX; by sending Method of Verification letters certified mail, return receipt requested to Experian, XXXX ; And to XXXX via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. 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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have been trying to work with Specialized Loan Servicing in order to obtain a loan modification. All the documents were sent via EMAIL to them on XX/XX/2019. 

I followed up and was told only a question needed to be answered regarding my husbands employment. 

Then I receive a letter that I am missing documents. They are ridiculous. They are telling me that I need to have my profit and loss statements stamped by an accountant. This is NOT a requirment in order to receive a loan modification. 

Then they tell me they have to verify my husbands address ; 3 different ways are possible, drivers license, utility bill or CREDIT REPORT. Do they not realize my husband signed an authorization for them to CHECK HIS CREDIT REPORT? 

They do not now what they are doing.

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OR

Complaint narrative:
I had a checking account with Key Bank that I used sparingly. I recently went in for a transaction and was told that my account had been closed. 

I had {$40.00} in the account. I contacted Key Bank and they returned my call. They told me that they had begun charging me a XXXX XXXX  monthly fee and closed my account after the funds ran out. I had a free checking account with no minimum balance and should not have been charged a fee. 

I never received any notifications via email or US mail, or phone calls, text messages, or any communications at all that they were charging me a fee or that my account was closed. 

I don't understand how they are allowed to simply take my money without notifying me. They had my physical address, email address and phone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I had got a loan with discover loans 2 years ago for {$35000.00} Ive paid it down to {$26000.00}. I missed one month got it refinanced for 5 % a month the first payment was {$430.00} for 6 years. None of the first payment went to the principal. All of it to the interest there is no origination fee and discover can not tell me where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: WA

Complaint narrative:
A chargeback was filed on XX/XX/XXXX for a item that was never received. Key bank reversed the chargeback XX/XX/XXXX. Keybank claims they sent paperwork that I never received. They refuse to give me any information about the dates of their investigation, what their investigation entailed, whether or not they spoke with the other party. I have requested call backs from a disputes department three times and never heard back. Keybank had 6 months with which to completed their investigation and they ran out the clock in order to reverse my chargeback request and take my money. The charge was fraudulent, they have no grounds with which to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: IN

Complaint narrative:
EQUIFAX CREDIT REPORT HAS INCORRECT ADDRESS INFORMATION. 

THEY HAVE ALLOWED A CHANGE TO MY ADDRESS INFORMATION WITHOUT NOTIFYING ME. 

XXXX AND XXXX BOTH HAVE MY ADDRESS INFORMATION CORRECT. 

EQUIFAX HAS REVERSED MY CURRENT ADDRESS WITH A PREVIOUS ADDRESS. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX. 

THEY DO NOT HAVE THESE ADDRESS REPORTING CORRECTLY. THEY ARE REPORTING THE XXXX IN ADDRESS AS PREVIOUS AND THE NEW XXXX ADDRESS AS CURRENT. THIS IS WRONG. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Capital Accounts, LLC
State: FL

Complaint narrative:
Hello, the information is incorrect. The procedure has been covered 100 % by the insurance company. 

Company CAPITAL ACCOUNTS LLC Account XXXX ( information from XXXX ) Amount {$81.00} Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX Phone Number : XXXX Website : http : //www.usecapital.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Call from XXXX
AllianceOne (a collection company for the "govn't" is a company that uses its "power" to get away with fraud and terrorism of the American people and businesses in its accounts.

Amnesty Program for California Traffic Tickets & Infractions is the program this agency is using to harass people.  I never answer their call and they do not leave a message.  I do not have outstanding traffic tickets and am a retired debt free person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
The Santander account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a screw up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this crap is still on my report I want it off ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one bank is reporting a past due charged off credit account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. 

My dob is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I currently have the Target-REDcard under MasterCard. I had my account under autopay and I recently changed my bank account. I forgot to update the banking information as an honest human mistake. Target was unable to obtain a payment from the autopay and funds were returned. I incurred a Return Fee. As soon as I was notified of the issue I login into my account updated my information and submitted a payment. I called Target to let them know I had made a payment and wanted to get a refund for the fee incurred as well upset my autopay. The website was not allowing to process the autopay because its was listed as a delinquent account. I try to rectify the issue as most credit cards have no problem refunding a fee. This is the first fee I have incurred and my account has always been up to date. Why am I not able to get a refund on the fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The XXXX account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a XXXX up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this XXXX is still on my report I want it off ASAP.

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 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). Contract Callers inc added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX as fraud I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. 
Fast forward to XX/XX/XXXX you are still negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.

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 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief