vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
On XX/XX/19 I spoke with XXXX. I requested an amortization schedule because I was unable to verify the principal balance. In addition, I wanted to know how they were applying the payments towards the principal balance. I was informed the information could not be given because they receive my payments on different dates but if the payments were received around the same time every month I could get the schedule. 

On XX/XX/19 I sent an email informing them payments will be made on the XXXX of each month online and I was requesting an amortization schedule so I will be able to see how my six-year payments will be applied. I received a call from XXXX who informed me they did not provide amortization schedules. I was told my loan is a compound loan and they could not provide the information I was requesting because they were not a bank. I asked her to verify the number of payments. She stated they received twenty-five payments totaling {$9700.00}. She stated {$2900.00} was applied towards the principal balance and {$6300.00} applied towards the interest. I asked her to verify the orignial amount and the interest and the length of the loan. The amount I financed was {$16000.00} at 18.74 % for 72 months. I stated I did not understand why my balance wasn't decreasing because it was showing {$14000.00}. Also, I was upset because the previous representative provided false information about the amortization schedule. 

Please verify the business practices are legit. I believe they are doing illegal practices on their loans that is why they can not provide the amortization schedule.

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 2019-03-31 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
This company ran my credit without my consent. I have never applied nor contacted them. I never authorized them to run my credit. I have contacted them several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX  & XXXX Company : XXXX XXXX Date : XX/XX/2015 AND XX/XX/2015 I got only ONE credit card with XXXX XXXX back in XX/XX/2015, and they closed down one account, however it shows up as TWO accounts closed. I have already PAID the collection within the 3 months the amount showed up back in XX/XX/2015.

I tried to ask them to remove the collection when I paid, but they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc.
State: WA

Complaint narrative:
On XX/XX/2013 a collection agency called PDQ SERVICES Inc made an attempt to collect XXXX dollars from which i do not owe so now they have put it on 2 of my credit agency reports which is damaging my credit ( XXXX & XXXX.The original creditor XXXX XXXX XXXX XXXX. 

Also this makes it hard to get into an apartment or home rental. 

PDQ SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is refusing to rectify incorrect data in my credit file with them. Dispute correspondence is going on for over 2 years. Credit Grantor failed to respond, but Equifax willfully maintain wrong data in my Credit File. In XX/XX/2018, I have made multiple attempts to correct this issue. Spoke to a Representative, who responded : " Go to XXXX, We keep the credit score low, whereby we get more business, that is our business, and so on ''. See attached correspondence, which are self-explanatory. Credit Report shows " Reinvestigation in progress ; 30 days late, and low FICO score ''. In addition, they make it extremely difficult to provide credit report to enquirers. I was unable to get credit approved as well as deserving interest rate for Car Loan, Mortgage. I was unable to get an Internet Cable connection, as Equifax refused to provide Credit Report to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
In XX/XX/2018, I paid my car loan off in full. Prior to paying the loan in full, I had been speaking with representatives at Bridgecrest regarding my account status. I initially requested that my late payment me pushed to the back of the loan. They denied my request multiple times stating I was not out of my hardship ( this was obviously untrue because I quickly paid the loan in full ). They then told me as long as I paid my account prior to the end of the month, I would not be considered late. I was told this multiple times and I recorded each phone call. I made my final payment prior to the end of XXXX as agreed, but Bridgecrest marked my account late in XXXX. I attempted to contact a supervisor in XXXX regarding the issue. He said he would listen to the recorded calls that Bridgecrest had on record and get back to me. I told him if he could not find them, I could provide my own personal phone calls. I never received an update. I called Bridgecrest and the supervisor directly for almost a month, received no update, no one even returned my phone calls. So I tried disputing through credit bureau, but Bridgecrest refused to update, XXXX refused to update, and each dispute I asked for where I could send my recorded calls for proof. I am trying again through CFPB. If someone would just listen to the recorded calls either from Bridgecrest or mine, they will here the reps say I always have until the end of the month to make a payment before I am considered late. Bridgecrest saw a customer in need, and denied them the opportunity to apply past due on back of loan, then reported me late after telling me I had until the end of the month. I have seen multiple complaints from other customers about how Bridgecrest has taken advantage of lendees in the exact same fashion. This is an extremely dirty business practice that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: ID

Complaint narrative:
My daughter and I lived at XXXX apartments for 3.5 years before moving. A move out walk through was verified for the afternoon of XX/XX/2016 but the manager left early, without notification, and the office was locked so we were unable to walk through together. I made my own list for the apartment and deposited the letter along with the keys in the drop box. My forwarding address and phone number were included. My last name has changed since then. 
The original creditor, XXXX XXXX, did not mail any type of notification to me although they had my forwarding address. A move out/closing statement was completed two months later, dated XX/XX/2016, which I received through the collection company, not the property manager.  CA law states landlords have 21 days to refund or send statement. I dispute most of their statement. 
XXXX, XXXX and XXXX XXXX violated the Fair Debt Collection Practices Act when they opened a negative account on each of my credit reporting accounts on XX/XX/2016, two days before mailing me a collection letter, dated XX/XX/2016 and 3 weeks after the walk through list was completed. I disputed their statement within the thirty days but did not receive additional correspondence. I assumed the matter was closed until I was notified by a kind person at my XXXX XXXX that I had a collection. I wrote another letter to KTS asking for removal from my credit reports and heard nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: Vargo & Janson PC
State: CO

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I was at XXXX XXXX college trying to the knowledge I needed to be a successful automotive tech and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX county however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XX/XX/XXXX Janson and vargo started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to janson and vargo my position was given to someone else and I lost the tools that where given to me XXXX from XXXX XXXX. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for screwed up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bank refuses to fix banking errors done on their behalf was double charged for every transaction that I made today on XX/XX/2019. This not the merchants fault because I only saw them charge me once of a transaction. The representatives would not treat me with respect nor afforded my rights to me. They stated that the system was down and that they could not do anything untill XXXX XXXX the following day they blamed merchants for the charges and lied to me. On consistent basis they do not treat me with dignity and force me to be disrespectful to them I have a right to express my emotions towards and acted fully with my rights as a customer and a minority. They keep stealing money out of my account every month the miscalculation is made for how much money I spent on the account.

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 2019-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with Equifax and XXXX  and they refuse to delete the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account has been limited for sometime now, I think around XX/XX/2010, I am was a XXXX XXXX, no negative transactions no history of fraudulent activity. For almost 10 years my business has not been able to offer payment and receive payments in turn nearly shutting down my online business, I now do more that 75 % of business in person or storefront. I still dont know why my account has been closed or suspended, i have tried mutiple times over the years to get this resolved. Several times I have received emails that paypal has been involved in class action suits for privacy issues or other things but they insist on limiting or banning loyal customers like my business indefinitely without clarity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX  tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
funds have been taking from my account from transactions I did not make to the best of my knowledge from XXXX and CHASE banks to XXXX XXXX and when I made these companies aware of these actions they did not respond in a proper manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: GA

Complaint narrative:
I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with XXXX  and Transunion and they refuse to delete the accounts.

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 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I modified my mortgage for a 30 year fixed rate which created a monthly payment of XXXX. In XX/XX/XXXX I lost one of my part-time job and Ditech told me about a mortgage foreclosure prevention agency in North Carolina. I applied and qualified, the granting agency through their credit consumer advised me that I did not have to pay the mortgage once I qualified for the grant. When I applied XX/XX/XXXX I was one month behind. Six months after the grant started  paying my mortgage, Ditech arranged with the granting agency to increase my monthly amount to XXXX per month. When I contacted Ditech they told me the original amount of XXXX on the loan modification would be restored when the grant period ended. Well almost a year later my amount was never restored to what the loan modification was and further they dont even have the loan modification now am I the one that is crazy, I have acopy of the agreement with signatures. So am I crazy no, but I am now facing foreclosure and my dad who is XXXX and very sick with XXXX and a double XXXX XXXX and XXXX XXXX XXXX lives with me. I am getting very sick and am at my wits end. What ditech has done to me and how they have failed to handle any of my complaints to correct the problem has made things worse. Further they have at times past denied I called and made a complaint. I don't know what else to do I just want the amount reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation