vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was informed of an XXXX XXXX XXXX balance of over {$4000.00} that was effect in XX/XX/2012 on my credit and I knew nothing about it when I was trying to rent home and buy a car. I have been trying to reach XXXX XXXX and I have been told they are out of business, I don't even know if that is true. The company Kimball , Tirey & St. John LLP XXXX XXXX says they can not provide me with the original creditors info as that is their client. First of all this should never have gone to an eviction on my credit, I was never aware of any judgement to pay this, and XXXX XXXX told me the address they had to send me info was on I had not lived there in 20 years! This is why I am suspicious of this company and there info. I asked that I make minimal payments after they threatened wage garnishment and they said no. I should not even be responsible to pay this debt. To my knowledge this debt is time barred and I don't even know that if I paid this debt, it would resolve it. I don't know if the original creditor would come after me. The amount they say owed is {$4900.00}. I paid my last month rent to the property and left my deposit!!! I don't even see how I owe anything to begin with, and i cant find the property management company to discuss and see proof of anything. Now they are threatening to garnish my wages and that threatens my livelihood. Why cant they settle with me at least I am trying to pay even though I know I don't owe this debt. I just want it off my credit, which I have disputed. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About ten years ago, I was mislead by a XXXX, California Citibank investment account representative into opening a Brokerage account by investing in a XXXX XXXX XXXX that I later found out was newly established. He pressured me into opening the account and formed an inaccurate financial picture of me but failed to tell me that I could cancel the account within a few days while I went overseas. Needless to say, that account representative no longer works for the company. My account was charged the {$75.00} maintenance fee even though I had enough funds to have the {$75.00} amount waived ; the representative never told me there was a fee or that my account would not be charged the fee. I filed a complaint against the broker but it went unheeded. I spoke with a representative at Citibank brokerage about the fee but was advised that the fees could not be waived retroactively. I have been a Citibank customer for over fifteen years and am owed at least {$750.00} for the annual maintenance fee Citibank brokerage charges for the account. 

I will be closing my account and taking my hard earned earnings elsewhere due to the subpar customer service at the branch in XXXX and 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 2018-05-14 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: CO

Complaint narrative:
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: CO

Complaint narrative:
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing 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 non-monetary relief
Consumer complaint received 2018-05-14 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: CA

Complaint narrative:
ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : EXPERIAN- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXXC XX/XX/XXXX  4. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 7. XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX 9. XXXX/XXXX XXXX XXXX XX/XX/XXXX 10. XXXX/XXXX XXXX XXXX 11. XXXX/XXXX XXXX XX/XX/XXXX  12. XXXX/XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX   XXXX 14. XXXX XXXX XXXX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX/XXXX XXXX XXXX  17. XXXX XXXX XXXX XXXX   XX/XX/XXXX 18. XXXX 19. XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I had a home equity line of credit with Suntrust bank with XXXX  balance but because there was a lien on the property my home insurance claims adjuster made the check out to me my wife and Suntrust bank. I discussed with the claims adjuster what if we closed the HELOC as there is no money owed on it and showed no mortgagee clause on my home owners insurance policy can he issue the check just in our names and the answer was yes. Upon our arrival at the bank I was told by XXXX XXXX as the amount was in access of {$15000.00} the check will have to be mailed out to their office in XXXX to be endorsed When I asked them to close the equity line another person at the bank XXXX XXXX said it will take 30 days or so to get the lien released and delay the process but they can send the check to XXXX and I will have it back in 2 to 3 days, this was on XX/XX/XXXX. I waited for the check till the XX/XX/XXXX no check so went back to the bank and spoke with XXXX XXXX and cancelled the equity line, and removed the mortgagee clause from the insurance policy and requested the claims adjuster to re- issue a check just in our name, as he was working on issuing a new check it came to his attention that the original check was already cashed by the bank, how could they cash a check made out to us and them without our endorsement, this happened on XX/XX/XXXX so went back to the bank and spoke with the manager XXXX XXXX hoping to get a check from them to no avail I am still waiting to hear back from them, they in my view they have committed a fraud by cashing this check. 
take

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 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I opened an account at the BMO Harris Branch in XXXX XXXX, WI. I had received a {$300.00} bonus offer from BMO Harris, and I opened my account and presented the bonus offer that I had received ( see attached bonus offer ). 

I completed all of the requirements of the bonus offer. My opening deposit was above the minimum of {$25.00}. I made 2 direct deposits of at least {$500.00} within 90 days of opening my account. I made at least 10 debit card purchases within 90 days of opening my account ( see attached statements ). 

On XX/XX/XXXX, I noticed that my account had been closed without my action. I received no notice that my account would be closed. I believe BMO did this to avoid paying me the account opening bonus. When I inquired about this in an online chat ( see attached chat transcript ), I was told that my account was closed because there was no activity for 45 days.

When I asked where it said that accounts would be closed after 45 days of inactivity, I was told that it was part of the deposit agreement. I responded that the deposit agreement ( see attached deposit agreement ) made no such statement.

I believe that BMO Harris closed my account solely to avoid the payment of the {$300.00} bonus offer. In all my years of banking, I've never had an account closed after having a {$0.00} balance for just 45 days, especially without warning. In fact, to the contrary, I've had to follow-up myself to close accounts that have had XXXX  balances for years.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello, I have been in communication with Portfolio Recovery for about two months without proper validation of this debt from them. I contacted the company via certified mail to validate debt in which they were trying to collecting. 

However, they wrote me back basically saying the debt was verified. They didnt follow protocol in the letter that I sent for the validation process. 

I have sent out a validation debt letter and a 609 letter. We are currently going on month # 3. 

Also, I reached out to the credit bureaus in which they responded to the credit bureaus saying the debt was indeed verified with no actual proof of the validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
GM Financial has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a checking account with TD bank, last year, I discovered there's a {$3100.00} fraud check written by another person, and the bank handed the money to them. I contacted the bank, and after about a month, the money was finally given back to me. Now my account looked over the book more carefully, and found out there's another fraud check for {$1000.00} posted in XX/XX/XXXX. I contacted the bank, filled out the fraud check affidavit, and to my surprise, the money didn't come back. I received a letter from XXXX XXXX, Their Sr. investigator. Telling me since I didn't report the fraud within 30 days of that happening, they're not giving me the money back. How is that possible, the bank made the mistake, and they are blaming me for not keeping an eye on my account? I have written to the bank 's chairman hotline email, there were never any acknowledge or response. This is bank fraud, plain and simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.

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 2018-05-15 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: AR

Complaint narrative:
XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.

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 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have been having problems with XXXX. I had taken this loan out originally on a different percentage rate than stated previously on phone. I dont even know if I signed originally to begin with. Well first problem started XX/XX/XXXX they lost a previous payment and repossessed my car a day before loan was even due. Made me pay XXXX to get my car back. While car was impounded my tags, XXXX parking plaque was taken along with all registration papers and service invoices. Also my fuse box was damaged because they basically stole vehicle never report it to sheriff department either. Plus personal belongings were removed and they tried selling them back to me when I picked up car. So naturally Im refinancing car to begin with and then they stake other company from payoff to create another repo file. So they call demanded XXXX on text to give me more time. Problem is that they are the only one holding up payment from other bank. Then theyve played games and told me other company didnt pick up loan when Ive already have approved documents that it was. Threatening me only to then become silent no calls telling me anything. So Im thinking that its done. Then on XX/XX/XXXX a white XXXX pulled into the driveway booms my car from inside my garage and my neighbor is witnessing everything. He apparently asked him what he was doing and driver proceeded and backs out with car and ran over my neighbor in process and leaves. I call XXXX and cops tell me that XXXX was reasponsible for the repo and Im gon na need to get ahold of them. XX/XX/XXXX I received a modified loan and they wanted XXXX from me and my interest rates dropped because I earned it a better deal than before. I then asked for my car they act like they dont know what Im talking about sending me a picture of car down the street from XX/XX/XXXX and that I was spotted with my own car and they didnt have anything to do disappearance of car and that I better call cops. They dont know anything about it and in email once again demand for payment and I Better make sure it is made before car is Really repossessed!! I dont know what to do but not sure if Im gon na pay for anything at this point and time cause my car is still missing! This is extortion and Ive made them aware that many laws have been broken here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: NY

Complaint narrative:
I called Experian regarding an incorrect address that recently appeared on my credit report since there is now a 'Fraud Alert ' on my reports. The address is affiliated with a business that does not exist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I spoke to XXXX in the Dispute Department and she claims the address is associated with a Bankruptcy that is on my credit report that I have been disputing via certified letters since XX/XX/18 and three more since and they have yet to mark the Bankruptcy 'Disputed by Consumer '. They claim they have verified the Bankruptcy via XXXX and when I asked XXXX to send me actual verification she said I needed to send Experian a subpoena in order to see verified information. I then asked to speak to her Supervisor and then she hung the phone up on me. I have sent Experian a letter from the US Bankruptcy Court as well as several letters, followed up by phone calls and I am getting the runaround and being lied to. They are clearly in violation of the FCRA.

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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I had a capital one credit card closed I tried to contact capital one to reopen but they want me to reapply which I know will hurt my score. This card has the second longest history of all my cards. I am XXXX and the card had a 7-year history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech.com misapplied a payment of mine months ago ( XXXX ) and has failed to fix it. I have called them multiple times, and they have continued to promise that they are " researching the problem ''. However, they continue to send me collection notices and threatening letters, even though they have admitted that they see where the misapplied payment occurred. 

This has gone on for more than 60 days, and I have been unable to get anything more out of them than " we've escalated it to the VP of our department ''. 

Meanwhile, they are sending me letters that sound more and more like they are trying to take legal action against me, even though this is not my error. 

I'm concerned now that they are reporting this to my credit, but they are " unable to confirm '' that as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation