vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MB FINANCIAL, INC.
State: FL

Complaint narrative:
I XXXX XXXX I have a boat loan with XXXX XXXX XXXX last XXXX of XXXX the same suffered damages for the hurricane XXXX I placed a claim to my insurance which issued a check for the sum of XXXX for the repair, send the check to XXXX XXXX XXXX to endorse the money to be able to repair the boat and continue using it I received a call from mb financial that could not give me the check that the boat was not completely repaired I think this is not fair and not legal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was negatively affected by the XXXX data breach. I called Transunion to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask Transunion to keep a file on me - they do not have my authorization. I do not like the fact that Transunion furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( XXXX, XXXX  and Transunion ) from charging the public to undo the harm to the average citizen 's credit they cause.

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 2017-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ME

Complaint narrative:
During the last week in XXXX, I contacted company servicing my mortgage, XXXX of Virginia XXXX, VA, to discuss my payoff payment and upcoming real estate taxes. 
My final mortgage payment was due on XXXX XXXX and my real estate taxes were due on XXXX XXXX. My fear was that by paying off the mortgage, the company would no longer pay escrow items, despite having collected escrow over the past year. My escrow information page on the company 's website showed a projected dispersal in XXXX for the taxes, but I wanted confirmation. The associate confirmed that my real estate taxes would be paid in XXXX. 
On XXXX XXXX, I checked their website and found that my real estate taxes had not been paid in XXXX as both indicated on their website and confirmed by phone. I spoke to a XXXX, XXXX XXXX ID XXXX XXXX who told me that because my loan had been paid off that the company would no longer pay escrow items. I explained that was in conflict with what I had been told the previous week, but he could n't explain it as " everyone '' knew that once a loan was paid off, they essentially stopped servicing it. He said that he would have the XXXX department issue the escrow funds so I could pay my real estate taxes that were due on the XXXX. 
On XXXX XXXX, I checked and my escrow account still had the same funds in it. I called and talked to a different XXXX, XXXX XXXX ID XXXX XXXX who could n't explain either why my taxes were n't paid in XXXX or why my escrow had n't been released as I was told. She said she understood the pending taxes and told me that she would have my escrow released and overnighted to me so that I could have the funds on the XXXX. 
This evening, XXXX XXXX, with no expedited mail received, I checked my online account information again and the escrow funds have not been released. My taxes are now overdue and when I 've called this evening, all XXXX are unavailable. 
I 'm requesting assistance in freeing up my escrow funds to pay my now overdue real estate taxes. A quick internet search shows that others have experienced similar issues with this company paying escrow items. 
Thanks in advance, 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 2017-10-18 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I had seen my credit report and I see that they are multiple inquiries from Chase and XXXX that I do not recognize and do n't believe making so I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I had seen my credit report and I see that they are multiple inquiries from XXXX and PayPal that I do not recognize and do n't believe making so I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My credit card company arbitrarily duplicated many of the monthly payments I made on my account but has failed to reflect any of the extra payments that were made on my account and continue to not show these credits to my account for all of these extra payments. It is nearly 2 years worth of extra payments and almost every month. A total of over {$6000.00} dollars of payments they continue to fail to reflect on my account. I have documentation of all payments taken from my bank account and I even have copies of all payments using the credit card companys online history. Even with al of this, they still have failed to issue the credits for all of the payments that were made and reflect them on my credit card 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 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC
State: TX

Complaint narrative:
Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AL

Complaint narrative:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX Bankthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX Bank and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX Bank account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from 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 2017-10-18 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: AL

Complaint narrative:
In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AL

Complaint narrative:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXXthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from 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 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I closed my account with XXXX XXXX of XXXX. To my knowledge at that time, there was a paid balance, and I had {$0.00} due. Was not aware that there would end up being a closing bill of {$90.00}. I 'm guessing the summer went by and they sent my account to a collection agency. During that spring and summer XXXX failed to notify me of that closing bill. Now here is the issue. Collection agency also failed to notify me of their attempt to collect debt. Did not receive a letter by mail, e-mail, or a phone call. I found out through my credit report I had a derogatory mark and called the collection agency immediately. They claim that they spoke with me XXXX times WITHIN THE PAST XXXX WEEKS. but all three times were me calling them to verify my dispute status after my credit report gave awareness to their attempt in collecting debt.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
BOA XXXX card missing with fraud suspected BOA wants XXXX dollars to replace Negative balance of XXXX dollars with close to XXXX dollars in pipeline for deposit. 
Nearly 30 year customer of Bank of America XXXX of XXXX dollar charge denied and replacement card refused. 

Predatory Retaliation Greater Potential for XXXX XXXX Bank of America thanks in part to Assistant Vice President in XXXX XXXX XXXX efforts to evidently sabatoge my financial well being. 

Thanks.

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 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: AL

Complaint narrative:
On XXXX XXXX I received all of my credit reports and a account from XXXX XXXX is reporting negative information about a collection that is Not mine. I paid the original Creditor on the day of service. And my insurance company paid the difference.. i have no knowledge of owing XXXX Partners and has never received any information validating a debt with XXXX.. I disputed this information with all credit reporting agencies and its still reporting negatively on my credit files..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 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: GA

Complaint narrative:
Experian and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.

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 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I received a letter from Receivable Performance Management LLC on  XXXX/XXXX/XXXX, indicating that I owed XXXX. The original creditor is XXXX XXXX. 

I cancelled my service with XXXX about a year or two ago and switched over to XXXX. I had 5 telephone lines with XXXX, and when I cancelled my service with this company, all 5 lines should have been cancelled. Instead, what XXXX did was keep 1 of the former telephone lines open, and claimed that this one 1 line had never been  cancelled. So it was open and inactive for a year or two, without my knowledge. 

It does not make any sense that XXXX would keep 1 line open, since I cancelled my entire service with them. This means that all 5 lines should have been cancelled as well. XXXX chose not to cancel 1 out of the 5 lines, and now wants me to pay for the duration that this line had been kept open by them.

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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have filed a complaint against XXXX where they are reporting that Capital One says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with Capital One XXXX. They came back and now show this as a debt to " XXXX XXXX '' who is listed as a " debt buyer '' with original creditor as Capital One XXXX. Capital One XXXX is fraudulently reporting that I have done business with them, when I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Revenue Assistance Corporation dba Revenue Group
State: WV

Complaint narrative:
There is a debt on my credit bureaus from Revenue Group. XXXX {$3700.00} ) First I disputed the debt in which I was notified they would notify me once their investigation was complete, I have yet to hear from them. I asked for full verification not just to confirm my address. I want proof this debt is mine with verification of my signature stating I agree to pay this debt, any insurance payments or denials regarding this debt and verification where I authorized the original creditor to release my information to a third party. Revenue Group has called my place of employment on several occasions and they have been told not to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I 've been paying PMI for over 12 years. My amortization schedule finally hits 78 % which means PMI automatically drops off but Bank of America refuses to remove it saying I have to pay for an appraisal?!?! And the appraisal company I have to use has business ties to Bank of America. Hello conflict of interest. So with Bank of America you have PMI for 30 years unless you pay XXXX of their business partners money to do a new appraisal? This ca n't be right but after numerous electronic messages and phone calls here I am, 12 years later, and still paying PMI.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This is in regards to the Government taking action against Citi Bank with a {$700.00} XXXX judgement and returns to 8.8 Million  accounts. 

Citi said and shows a balance owed me at {$730.00}. However if one divides 8.8 Million into XXXX XXXX  it looks like each account would receive over {$5.00} XXXX. My refund doesn`t even come close to that amount. So who is getting those {$5.00} XXXX refunds. Amount is just a quick estimate as you know.

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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was negatively affected by the Equifax data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want XXXX to pay XXXX to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay lifelock to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives XXXX at a time. Please stop these crooks XXXX XXXX, Equifax  and XXXX XXXX from charging the public to undo the harm to the average citizen 's credit they cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was negatively affected by the XXXX data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( Experian, XXXX  and XXXX ) from charging the public to undo the harm to the average citizen 's credit they cause.

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