vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received a coupon by mail to ope n Chase checking and savings account with {$500.00} bonus. For savings account I was supposed to deposit {$15000.00} and for checking I needed to setup direct deposit. I have fulfilled all requirements, however right after that Chase changed its rules, and now I have to set up direct deposit from specific vendors. When I opened the account I specifically verified whether they accept any direct deposit, and the answer was " Yes '', and now they say that if my direct deposit not coming from SSA or an y government, it does n't count. Also, I advised them, that my direct deposit is coming from payroll, and I am a   XXXX   getting paid for   XXXX  , but they would not accept it. I 'm   XXXX   XXXX  , and I get very   XXXX    when people play games with me in order to make me feel miserable. I feel like I have to start a class action suit or hire an injury lawyer for driving me to  XXXX  with constantly changing rules and meaningless mind games. I want people to know that Chase is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
This company is a  contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount  of  XXXX  CENTS which I paid.     They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received  no letter except the orginal violation, which is entirely another subject,  XXXX    XXXX   XXXX  . I paid th at one fin e. They are in violation of the fair debt collection practices as well.     There is no account number, the dates are every single day except Sundays for at least  two  months now.   Their number they call from is  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 2017-05-11 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: OH

Complaint narrative:
There is a account that is listed inaccurately on my credit report for  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and Equifax have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   County Court . I have attached a copy of the  XXXX   XXXX . There is a error please Delete the misinformation.   This is a notice of dispute pursuant to the Fair Credit Reporting A ct ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: NC

Complaint narrative:
Credit Bureau continues to list unverified information.     Despite my  three written requests, over the course of 3 months the unverified items listed below still remain on my credit report in violation of Federal Law.  In the results of Experian 's re-investigations, they stated in writing that they verified that these items are being reported correctly? However, they still have not identified who in their company verified the accuracy of these accounts or how they verified them along with the documents they used to verify them and continue to list them as accurate which is a violation of my rights and damaging my credit worthiness.     In addition, there are several inquires listed on my credit report as a result of someone fraudulently trying to obtain credit in my name. I do not have any business with these companies, have not applied for credit or have given them permission to be there and have advised Experian of this as well as their fraud department and no action has yet to be taken.

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 2017-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I bought a  XXXX    XXXX   XXXX   on  XXXX  of  XXXX . Loan was for  XXXX . I have paid  XXXX  towards it. At first i though what ever i pay extra was going to go to the principle but then i notice i was just ahead of my payments by six months. I talked to the company and told them to fix it two weeks before end of  XXXX   XXXX  and i was  XXXX  i needed to call for the payment to be adjusted. Then i notice only half of what needed to get back was posted witch was  XXXX  out of  XXXX . For month my payments with interes t is  XXXX   is  XXXX  so i called again to question about how the adj was done i was adv that the xtra amounts were to go to the principle on the first place this was the last week of   XXXX   XXXX  , finally i got a breakdown of how they adj. So i decided to save the money and just make the regular payment on   XXXX   XXXX   XXXX  , then i see the post on my acct all the  XXXX  i payed was paid to the interest only. I contacted the company and was adv no payment has been done for 60 days. I requested a supervisor and they say no one was available i have requested a supervisor before but no one calls me back. Now i dont know what else to do. I am very frustrate getting very bad   XXXX    and is affecting my health. Please help what can i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: MI

Complaint narrative:
I received a letter from the  XXXX   XXXX   XXXX   XXXX  on or about   XXXX   XXXX   XXXX   They claimed to be collecting on behalf of  XXXX   XXXX  for the amount of {$900.00} ( to  XXXX  Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have  XXXX  recollection of any such debt, so I sent them a debt validation letter on   XXXX   XXXX   XXXX   ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the  XXXX .  XXXX  picked up the letter and signed for it on   XXXX   XXXX   XXXX    . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them.     Yesterday,   XXXX   XXXX   XXXX    , I received a call from  XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I leased a car with  XXXX   XXXX   XXXX . I turned the car in  XXXX   XXXX . I received a final bill for a lease turn in fee for  XXXX . I paid the Bill on  XXXX / XXXX / XXXX  for the amount of  XXXX . I heard nothing fromToyota until  XXXX   XXXX ,  XXXX , when I received a collection Letter from Central Credit Services LLC. I contacted  XXXX  and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  XXXX  returned payment on  XXXX   XXXX ,  XXXX . I sent another  Electronic  payment to  XXXX  on  XXXX / XXXX / XXXX . I called  XXXX  to verify payment where they forwarded me to  Central Credit Services o n  XXXX / XXXX / XXXX .  Central Credit Services tried t o Verify Payment with  XXXX   XXXX   XXXX  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  XXXX  page shows the electronic payment made to  XXXX  on  XXXX / XXXX / XXXX . The second file is a message from  XXXX  that shows  XXXX  sent back payment. The third file is the payment made once again to  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  Central Credit Services by certified  mail.

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 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Suna Capital III, LLC
State: PA

Complaint narrative:
On  XXXX / XXXX / XXXX   XXXX  sold the loan t o Suna Capital -  XXXX   is out of bus.    Suna servi ced the loan from  XXXX / XXXX / XXXX  to i believe  XXXX .    Suna  capital payments were p % i, then starting XX/XX/XXXX  i requested to include the taxes and insurance within the payment.   made lump sum   Suna Capital plus paid there legal fees. provided documentations.
Then Suna Capital sold the mortga  ge to  XXXX   XXXX  in  XXXX .   the escrows according  XXXX   XXXX  were never transfered over.     i was told by  XXXX   XXXX  to contact   Suna Capital to get the escrows transfered.
Suna Captial contact pe  rson is  XXXX   XXXX  whom was very difficult to deal with. He made me feel like i was stupid and i believe that he would of preferred that my home go to foreclosure.   he made very degrading comments. he mentioned that people were contacting him about my home and that it must be in a nice area. he aslo said i was better off to walk away. that is very unprofessional.   My attorney his name was Attorney  XXXX   XXXX   XXXX   Suna Captial  attorney was  XXXX   XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NJ

Complaint narrative:
On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX   XXXX   I attempted to make a withdrawal from an atm for {$200.00}. The ATM only dispensed {$20.00}. I contacted  XXXX  by phone and explained to them the issue. I was told to go to another ATM and try again.  XXXX  minutes later by the time I arrived at another ATM they had locked my account leaving my family without access to ANY money for  XXXX .     After many hours of arguments with  XXXX , they closed my account. They agreed to send me a bank check.but without any way to cash it, it would not help me at all for the holiday. The sent a check fedex that was not received. the replacement was sent with signature, we received that one. The check received was not for the full amount in the account. The check was for  XXXX  not the balance in the account. I was told they would send me the balance in a week or  XXXX . It is now  XXXX  The current balance shown does not take into account As of today the account shows a balance of  XXXX  that does not take into account the check for  XXXX  sent on   XXXX   XXXX    The current balance should be {$370.00}.   I have been trying for weeks to get this cleared up and keep getting canned and at time rude responses.     It has now been 6 months I do not understand why they are doing this to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX / XXXX /  XXXX   LEGAL ORDER FEE DEBIT CASE #  XXXX  {$120.00} from  Wells Fargo.  Apparently, no funds were remitted to garnishee because there were no funds available after {$120.00} was deducted from my account. In fact, my account was overdrafted {$71.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
KOHLS CREDIT CARD SERVICE NEVER SENT OUT AN ORIGINAL STATEMENT. THE CARD WAS OBTAINED TO R ECIEVE PROMOTIONAL INSTORE DISCOUNTS. AFTER CONTACTING THE CREDIT CARD I WAS ADVISED THE PAYMENT WAS DUE ON  XXXX / XXXX / 17  WHICH I MADE A PAYMENT WITH THEM OVER THE PHONE FOR THE FULL BALANCE {$280.00}. I THEN NEVER RECIEVED ANY ADDITIONAL BILLING UNTIL  XXXX / XXXX / 17  WHEN I RECIEVED A LETTER STATED MY ACCOUNT WAS DELIQUENT BY {$29.00}. AFTER CONTACTING THE CREDIT CARD COMPANY THEY STATED THAT THE DAY  I M ADE MY PAYMENT IT WAS PROCESSED LATE BY A FEW HOURS ... YES HOURS SO I WAS RESPONSIBLE FOR A {$29.00} LATE FEE. THEY APPOLOGIZED AND SAID THEY WOULD REMOVE TH E CHARGE..  THIS HAS EFFECTED MY CREDIT REPORT IN A NEGATIVE WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In the past I have notified Transunion and  XXXX  that I have never attended college in  XXXX , Wa and I would like the student loans that are from  XXXX   XXXX  removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.    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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting inaccurate information about a bankruptcy that was filed 7 years ago.   the Bankruptcy is from  XXXX  Georgia Bankruptcy court. This action occurred in or around  XXXX  -  XXXX    XXXX  . This bankruptcy is past the legal reporting period of 7 years, per the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: RI

Complaint narrative:
I RECEIVED AN EMAIL IN  XXXX  FROM   XXXX   XXXX   XXXX   XXXX   ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A   XXXX   CUSTOMER SINCE  XXXX . I CALLED   XXXX   XXXX   XXXX   TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE  XXXX  I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN  XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO.   I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME.   XXXX   XXXX   XXXX   SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO MY CREDIT REPORTS.

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 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX  , account #  XXXX  was disputed then removed from my  XXXX  credit report on  X/X/2016   . It was also disputed then removed from my   XXXX   credit report on  X/XX/2016   .   XXXX   XXXX   XXXX   sold the removed collection accounts to  XXXX , account #  XXXX , and it is harming my  credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  VA  XXXX  #  XXXX  dob  XX/XX/XXXX     XXXX ,  XXXX  and Experian will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY 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 2017-05-11 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: VA

Complaint narrative:
XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   VA  XXXX  #  XXXX  dob  XX/XX/1962     XXXX , Equifax and  XXXX  will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is falsely reporting information on my consumer credit report that does not belong to Me. They are reporting a debt that has already been disputed and deleted from all the credit bureaus and they are adding false dollar amounts to make it look like or appear as a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: MS

Complaint narrative:
After submitting an complaint with  North American Credit Service-Mail  on  XXXX / XXXX / 17  regarding collections being placed on my credit with no proof of  VALIDATION  they responded in  XXXX / XXXX / 17  with a letter agreeing to removed the for  XXXX  but not the  one  for  XXXX . I contacted them via phone regarding this issue twice. They told me that because  XXXX   XXXX  is my daughter and her paternal grandmother took her to the doctor in another state that they would not removed from my credit and they would send me the agreement her grandmother signed. Well when I had not received the paperwork I called the company back they tried to make me give them all of my personal information I then advised them they needed to read the information that they have in their systems and I will let them know if its correct or not. THEY HAD ABSOLUTELY NOTHING correct Address phone etc. I then told them that since they did not have the correct information they could not Verify nor Validate the debt before they submitted it to the credit bureau. The gentleman then gets upset and tells me let HIM TALK AND DO NOT TALK OVER HIM because I refused to provide him with anything other than my name because his company should already have it if they Validated these collections. I then asked to be transferred to someone that will have this removed d ue to 1 ) Her father   XXXX   XXXX   XXXX  and his mother  XXXX   XXXX  signed those for ms 2 ) I do not have a contract with them nor the hospital 3 ) T hey were NEVER able to validate and verify the debt. and that it is against the law for them to place that collection on my credit. The guy told me to hold and hung up the phone.

Company response to consumer: Closed with explanation