vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. 

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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 2017-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
False credit pulls on my credit report. 

1. Capital One XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are two debts that I paid in full that are still listed as charged off with a balance owed. These were paid in full and shouldnt show as charged off. After the investigation Experian says that these debts were verified by the creditor. The creditors are below are below : XXXX XXXX- shows on report I owe XXXX 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 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Specialized loan servicing lost our XX/XX/XXXX payment. Since then, they have perpetually been falsely reporting our account as 30 days late. Each month 's payment has been applied to the previous month, while the current month was marked late. We reported this to you and it was investigated. As a result of the investigation, Specialized Loan Servicing sent us a letter acknowledging that they misapplied our XXXX payment, but they are still reporting us as 30 days late to the credit agencies. 

Attached is proof of on-time payment for every month since Specialized Loan Servicing acquired our account ( XX/XX/XXXX-XX/XX/XXXX ). Also attached is the referenced letter from Specialized Loan servicing acknowledging that they had mis-allocated our XXXX payment. In this letter they continue to falsely claim that we are behind on our payments, even though we had already made our XXXX payment as of the date of the letter.

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 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 'm asking Chase bank/Chase Escrow to provide the details for the escrow amount of {$54000.00} that was added to the loan modification document on the date XXXX XXXX. XXXX escrow dep stated that I owed the amount {$54000.00} that was added to the loan document. I 'm not sure why and where did this amount come from. Property taxes and home insurance was always paid on time before the loan modification impounded the taxes and home insurance. I called chase escrow today XXXX and talked to XXXX XXXX at XXXX requesting escrow details on my loan account before the trial and loan modification took place. The amount for escrow impounds started in XXXX but there was no defaults of taxes and home insurance. I would request a refund for the over charged escrow amount since chase will not be able to revise the loan modification documents..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
All my accounts were closed overnight in XXXX 2017.
Referencing my credit reports with Chase : - Never had any late payments - Active customer with more than US {$30000.00} spent in past 12 months After contacting the bank to request for an explanation, I was told the only information that could be provided was the letter sent to me ( attached ).
This action by Chase has severely impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have recently disputed my dismissed bk from XXXX and they 've deleted it! But it 's still being reported by these two CB ( TransunionXXXX ) ... Attached to this is proof that this was deleted as of XXXX XXXX 2017. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.

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 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Creditrepair.com, Inc.
State: NJ

Complaint narrative:
I hired credit repair.com in XXXX XXXX but I disputed items prior to hiring them and disputed the following item XXXX XXXX credit card, XXXX, and XXXX XXXX XXXX XXXX XXXX All the above sent me letters of confirmation that it will be removed. It was updated and removed also XXXX XXXX and XXXX XXXX XXXX but credit repair saying they did it and they lied to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-20 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: HI

Complaint narrative:
I have recently disputed my dismissed XXXX from EX and they 've deleted it! But it 's still being reported by these XXXX XXXX XXXX XXXX XXXX ... Attached to this is proof that this was deleted as of XXXX XXXX XXXX. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I paid my truck off in one lump sum on XXXX XXXX, 2013 I received my original contract stamped paid in full and clear of lien on my title and a congratulations letter for paying it off. After a year or so I noticed it was reported to credit agencies as charged off bad debt. I contacted them and let them know what I saw on my credit report and they said it was a mistake my truck was not paid off I sent them a copy of all my paid off paperwork and they refused to correct it.

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 2017-10-20 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: HI

Complaint narrative:
It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, Transunion, XXXX XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, Transunion, XXXX XXXX XXXX on a credit 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 2017-10-20 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: EQUIFAX, INC.
State: HI

Complaint narrative:
It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: GA

Complaint narrative:
I received a letter from Allied International Credit Corp, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX The letter is a debt collection letter with threats on taking the debt to court if not paid immediately. However the letter does not give any details on what the debt is for. It only states its an XXXX purchase debt. I checked with XXXX and I do not owe any money hence this is a fraudulent letter and fraudulent debt claim. 

I 'm filing a complaint in hopes to help others that may receive a notice like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: GA

Complaint narrative:
My husband filed identity theft forms with the Federal Trade Commission because we were notified of an unauthorized account from XXXX XXXX, who sold the account to Capital Management Services , LP and is demanding payment for a delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
Checking my credit report I found a derogatory mark saying that it was a collection debt with another address on there, it 's not my address nor have I ever lived there, the dates listed are from XXXX - XXXX XXXX I do not owe a Medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am filing a dispute yet again about my Mortgage Servicer Select Portfolio Servicing. I classified them as a collection agency because that is haw the represent themselves yet I have also learned that they are licensed as a lender as well here in XXXX Their standing and how they do things is very confusing to me. 

I had recently been offered a catch up plan with them for the amount I am behind on my Mortgage. I 've filed previous complaints letting you know how I was put in the position of being years behind my mortgage due to multiple delayed modification processes among other things. I have also filed a dispute on the catch up plan. Them amount of the payments is XXXX a month for a year and the a balloon payment of XXXX. I 've asked them multiple times for a breakdown of these numbers. How much goes to the principle, how much goes to their fees, that have racked up on me over the years, and where will I stand at the end of this as far as what I will still owe. All I get is generic responses with nothing but a list of fees they have against me. No breakdown of the numbers witch I need before I start paying so that I know exactly what will be happening. I have had many problems with their accounting in the past. After receiving their response to my last dispute they also canceled the plan saying that it had passed the date I needed to make the 1st payment. That date was during the time I was awaiting their response to my dispute. I have the finances to complete the payment plan but I really need to know where my money is going. 

I have also suggested that we could negotiate a principle reduction so as the keep everything straight without various payment plans. They say the investors that own my loan are not interested in that. Seems they are only interested in foreclosing. 

I also talked with them about an all encompassing settlement to the amount owed. They agreed it could happen yet refuse to tell me what they would actually settle for. Seems they want me to propose a settlement number myself. Leaving me to kind of guess at numbers that they may accept. Seems odd to me.
I just want to get out from under these people and I want to do it in a way that will have some finality. They only have one thing in mind. Foreclosure!
Please take record of this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are two addresses listed. I do not live in XXXX. Please delete the wrong address. Thank you.

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 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check for {$2000.00} at my checking account that was given to me by outstanding debt and the check was a fake and I had no knowledge of it, the Bank now has me locked in all banks and can not open any checking account, I have tried to locate the person that means the check and i have been unable

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 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XXXX XXXX of XXXX I requested a copy of my full file disclosure as well as a full suppression of my file information through Lexis Nexis Risk Solutions department through mail using the official form available for download online. Several weeks passed and I received no documentation. I attempted to contact the company through the email portal on their website and have received no response to date. On XXXX XXXX of XXXX, after vigorous research I attained a telephone number that directed to me a representative that could assist me with my situation. He stated that he could see no request for any file information or suppression. When questioned, the postal service informed me that the mail had in fact been delver to the appropriate location. The phone number provided on the LexisNexis Risk Solution Consumer Site is busy many times a day and when calls were processed, they were not answered. However, the number I attained did transfer me to a representative who was able to process my file disclosure request as well as my opt-out request. I was told this process would take up to 10 business days. On XXXX XXXX, I received mail with a document stating my file suppression request had been processed, however no file disclosure was provided. It is now XXXX XXXX of XXXX, a total of one month and I still have yet to receive any file disclosure since my original request. I have requested consumer files from over thirty of the top third party bureaus and have had little issues with all but two. LexisNexis Risk Solutions is one of them and as such an influential and large bureau/ investigation firm/ data reporter/ and multinational corporation, this is unacceptable and against the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to due a proper investigation, which is a volation of the FCRA. Back in XXXX XXXX I informed Equifax that the following account from XXXX XXXX XXXX XXXX did n't belong to me. Account number # # XXXX At the same time I also sent the same information into XXXX XXXX and XXXX this account was deleted from both credit reports. Equifax never deleted the item or sent me an updated credit report explaining why it was n't delete. I have attached paper work showing I 'm a victim of identity thief. I have also sent in a police report before on another claim to Equifax because I 'm unable to upload stuff on this site stating I 'm a victim of identity thief. Equifax fails to investigate or use proof that I 'm sending in and the company ca n't give validation, for this account or anything with my signature because I XXXX XXXX NEVER HAD AN ACCOUNT WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a XXXX XXXX card ( ending in XXXX ) in XXXX of 2016 with a bonus of XXXX XXXX  XXXX miles after spending {$1000.00}. Upon receipt of the card, I noticed the card I was approved for was a lower tier card with only a XXXX mile bonus. I called BOA and asked to change the higher tier card ( as I had the credit score and qualifications and wanted the higher bonus for travel purposes ). They agreed and re-issued the card ( ending in XXXX now ) and advised that I would have the new bonus offer since the card was not the Visa Signature vs regular Platinum Plus. I went to use the points and earlier this year and noticed that they still only applied the XXXX bonus miles. I have contacted BOA a number of times and received no reply ( via letter ) and via phone, nobody was able to assist me and my escalation was never followed up on.

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