vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I had a checking account with XXXX XXXX. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX  called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that XXXX sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX 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 2019-02-14 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has not updated my auto account in 4 months with XXXX XXXX bank as current and paid on time XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The car was originally financed with XXXX  XXXX, from my knowledge the company is no loner in business and Westlake Portfolio took over our loan. The XXXX XXXX XXXX I purchased from XXXX XXXX XXXX XXXX XXXX   in XXXX, GA came with numerous problems making it a Lemon Car. Within the first week of purchase the car had a {$1200.00} transmission issue I was able to get the place of purchase, to correct. 2 months later another issue with the catalytic converter arose making the car not passable for an emissions test, along with wheel bearing issues appearing all with in 2 months. The value of the car was drastically cut a year later making it only valued at {$4000.00}, half of what the {$8000.00} loan was for. With already {$5300.00} invested in a lemon car and taking a huge loss I could no longer afford to invest payments in a car I could not drive on the road and voluntarily gave the car back XX/XX/XXXX. I personally called their towing company and handed it over. I was willing to pay the difference of the value of the car and what I've already invested in the car since the purchase in XX/XX/XXXX. They sold the car for {$2400.00}. They've received double the value of the car from me already. I presented Westlake Portfolio a settlement offer and they refused to provide me a letter before I paid on the agreement we came up with stating if I paid they would remove the debt from my credit. They wanted me to pay first, then they'd send me a letter via DocuSign stating what we agreed to. After being persistent they provided me with a vague letter stating they'd report it as settled. Not the agreement for " settled, paid for deletion '' we came up with. I've had to deal with numerous rude reps who like to think they know more than the consumer and being threatened by XXXX XXXX, a supervisor in the charge-off department on XX/XX/XXXX who said " they have ways to get the money from me '' I had to remind him that debt collectors are not allowed to threaten the consumer for wage garnishment, send harassing phone calls etc. I disputed the amount owed with Westlake and do not take ownership of the debt account in anyway. I have come with a settlement amount with them and WAS willing to settle this debt just to be done with them as long as they provided me with some assurance before I paid them. The trust between me and this company is gone and I will not pay on a debt I do not agree I owe unless they provide me with a letter stating they'll do as they say because they've already threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
http : //credencerm.com/ company has continuously been calling my job regarding a debt that has already been paid. 
in addition to telling them it has been paid and asking if the account reflects that, i have been told in order to tell me if it has ; that I have to verify my address, and my telephone number ( which I have ) they also are insisting I give them my social security number. even though I have given the account number on the paid bill. 

numerous calls were made to my job harassing me and telling me that I need to pay. 
again a confirmation number was given to them and they insist they need my social in order to continue looking at the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX and XXXX/XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my 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 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance is not updated my account with the 3 Credit  Bureaus since XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment has not been updated as paid and current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have a 2 party loan with XXXX XXXX. There is a deceased party on the loan since XXXX. The finance company was made aware of the issue, provided a death certificate in XXXX. 

The company has policies and procedures that they follow in regards to deceased borrowers. They are stating that due to the deceased borrower on the account their Customer Assistance team is not able to process a deferment on my loan. 

With my knowledge of working in the auto loan industry, a deferment can be processed for any borrower listed on the contract of the loan. Even when there is a deceased borrower on the account. I only have to provide them with notification of the deceased borrower which was completed in XXXX of XXXX. The vehicle is not on a single party loan and therefore I do not have to submit Fidicuary documents. 

On XX/XX/XXXX, I contacted the company and was denied the ability to process the extension due to the above scenario. I was advised that I would be contacted on XXXX by a manager that would ensure that the situation was resolved. No follow up happened from the company. 

XXXX I contacted the customer service department and information was collected, transferred to deceased handling that ensured me that I was eligible for the assistance. Transferred back to customer assistance team only to be denied of the assistance and the processing of the deferment due to the same error. 

I will now have my credit reporting hit for 30 days past due to unjust handling of my loan that is an error of the company. 
I feel that my loan is being discriminated against due to the deceased borrower and being handled with the fairness and consistency of other two party loans without a deceased borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX  baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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 was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX and XXXX/XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my 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 2019-02-15 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 was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX  and XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Bank closed our accounts XX/XX/2019 for me and my spouse and never transferred the money to external bank accounts as it was promised. Neither cashier check was released or ever sent to us. For now we have only letter from the bank that accounts were closed with ending balances but money were not released for over 2 weeks as of today.

Every time we call they sent us to voice message and nobody ever call back or contact otherwise to give time frame for expected money transfer.

They also never mailed 1099 form of interests from savings that prevent us to file taxes in timely manner.

I had three CDs with them as well as two savings accounts and one checking account.

My husband had three business savings accounts and one checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I had a checking account with Zions Bank. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that Zions sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.

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 2019-02-15 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I had a repossession in 2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting my credit.

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 2019-02-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/19 XXXX put me in loan Forbearance even though I did not request it. this is a problem because, even if I make payments while in forbarance ( which I did ), they do not count towards qualifying payments for loan forgiveness. I have requested to have that forbearance removed twice to no avail. 

I just noticed that they also did it this past XX/XX/XXXX. I was hung up on during my last phone call by XXXX employee # XXXX. I'm trying again now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: FL

Complaint narrative:
I had a repossession in XX/XX/2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting my credit.

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 2019-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS

Complaint narrative:
When I was deemed a XXXX XXXX XXXX and unemployable Veteran, I put in for a hardship under the Obama Mortgage relief to reduce my payments from almost {$800.00} a month to a lesser a month payment. They reduced my payment to {$240.00} a month and extended my payments to 480 months. I had never heard of a 40 year mortgage, also even though I had gotten my remaining balance down to {$18000.00} now my remaining balance is over {$23000.00}. It was never explained that out of the {$240.00} I pay each verbally or in writing that only {$17.00} goes to the principal. That explains why my payoff has went from {$18000.00} to {$23000.00}. On top of all of that I am forced to have an escrow even though I am tax exempt due to being aXXXX XXXX XXXX Vet, also I pay my own home owners insurance via bank draft. As of XX/XX/XXXX there was a {$1200.00} in escrow. Last year the escrow had gotten almost to {$2000.00} and then XXXX out. It is something wrong because I haven't missed nothing but 1 payment in the pass two years, but on my credit report it shows 2 or more missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recover of XXXX, VA keeps calling my cell phone XXXX XXXX XXXX repeatedly and they should not be contacted my cell phone to collect a debt. They do not leave a message and call from various phone numbers with different area codes. I would like this practice to cease at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: VA

Complaint narrative:
Payday loans with this amount of interest or illegal in my state which is Virginia. I applied for a short term loan which was {$400.00} in XX/XX/2018. They are charging 720 % interest claiming they are operating under federal tribal law. In Virginia it is a class 2 misdemeanor to charge this amount of interest. I am attaching pictures. What they are doing in my state is illegal. Offering internet loans.

Company response to consumer: Closed with explanation