vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
I responded to a sales call about a XXXX XXXX which I later found was a unwanted timeshare contract. I requested that my membership be cancelled but the company called XXXX ( XXXX XXXX XXXX XXXX ) would not cancel the service. They kept part of my deposit and are reporting a {$10000.00} debt on my credit report. " I am disputing a purchase charge to XXXX because the merchant will not voluntarily refund money I paid for a membership in a travel club. On XXXX XXXX XXXX the XXXX XXXX  promised me a membership that promised me several weeks of stay time at a low rate. When I called to book a week stay room at that rate they informed me that lowest priced room was unavailable and I needed to pay more and upgrade room. Second they told me that the alternative low rate mini vacation rate was also unavailable. Last but not least they told me that I could only take advantage of the low one week rate once a year. I called XXXX XXXX to discuss the terms of the contract on with XXXX XXXX and was not satisfied with the terms. On XXXX XXXX I explained to her that they did not fully explain the contract and I wanted a refund but they will not refund the money. I called my credit card company to dispute the contract that day. I also Faxed a rescission contract that day. They asked me how I knew about the rates because my ID had not been issued yet and that is because they offered me two free vacations that I could not book for 2 months and I wanted to vacation before that time. So I called the XXXX XXXX XXXX they provided to me and told them that I wanted immediate booking and they gave me my rate info. On XXXX XXXX XXXX Called spoke to XXXX in Membership department asked why money had not been refunded told me dispute was pending. They have reported account to collections who is reporting Negative credit info on my credit report : Account Number : XXXX Amount Delinquent : {$9500.00} Payment Status : Collection/Chargeoff Consumer Statement : Account information disputed by consumer, meets FCRA requirements Creditor Name : MONTEREY COLL SVC Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
Rapid cash is after me for XXXX dollars that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I was reviewing my credit report and this medical debt was on my credit report.
I have not been to the Dr or hospital to have any debts reported on my credit report.
I have not been notified or any bills regarding past due balances or debts owed.
This is not my debt, I have not been notified of a debt nor do I owe any medical bills. Without proper notification of a debt owed or deby collection attempt received this can not go on your report without verification or attempts made to collect.
I continue every couple of months to notice bogus debts added to my account which are not mine, this is unsettling.
I want this removed from all 3 credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

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 2017-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

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 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
SW Credit Systems is stating that I owe a debt from XXXX XXXX XXXX of which I do not have any knowledge of. XXXX  recently decided to remove this negative tradeline from my report while XXXX and XXXX is still reporting this unverified debt. I have disputed this debt with the credit reporting agencies on numerous occasions but have only received the generic " Meet FCRA requirements. '' statement which is n't sufficient. The credit reporting agencies are reporting a debt that is not mine and ca n't be verified. Federal Law requires that the credit reporting agencies provide mechanisms to ensure that the disputed debt actually belongs to me and I am asking for any original documentation with my signature giving consent of service and the mechanisms that XXXX and XXXX have used to determine that this debt actually belongs to me.
This false and inaccurate debt has been moved around through different collection agencies over the past year and half. This debt was first reported by ( XXXX ) XXXX XXXX XXXX and was removed from my report in XX/XX/XXXX by all of the 3 major credit reporting agencies ( Please see the attached document that XXXX sent me showing that they 've ceased all collection activities regarding this debt ). SW Credit Systems is now the collection agency that 's reporting this debt to the bureaus and without verifying that this debt is accurate, XXXX  and XXXX is once again, refusing to do their due diligence and has decided to report this unverified debt to my tradeline although I have once again disputed this debt on numerous occasions over the past few months. Also, the address listed for this debt during service is not and has never been mine. Please see the attached documents that will show my W-2 documents from XX/XX/XXXX and XX/XX/XXXX that lists my proper address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have 2 secured credit cards from Capital One in which one has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. However upon reading the terms of the card, capital one offers the cards to be upgraded to a non secured card and your security deposit returned back to you ( please see attached ). I have had the one account longer than 10 months. I pay on-time, never had missed a payment, and always pay the balance in full monthly. I contacted customer care onXX/XX/XXXXand was advised my accounts are not eligible to unsecured. The rep said capital one does not offer any type of secured card to graduate. Every interaction i have with customer service is always misleading, or misinformation given. I dont think the reps are properly trained to be made aware of products and services capital one offers. For having 2 accounts and being a customer almost 2 years with excellent pay history, i am actually appalled by their disposition in the manner of the service that i receive. In the attachment, I have highlighted the key factor of my complaint in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GU

Complaint narrative:
If this is the final for my dispute with XXXX I satisfy dated below. XXXX CREDIT FILE : XXXX XXXX, 2017 Confirmation # XXXX Please inform the other credit Bereu including the personal finance and 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 2017-08-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My credit report on closed accounts shows Sync/JCP which this account was opened in 1997 and closed per my request but on my credit reports it shows closed due to inactive. I closed this account years ago with no balance. False credit reporting. This account is also older than 7 years. Please remove account from 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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Upon reviewing my credit report noted Capital One Bank USA on my reports for total of {$1600.00}. My total limit was {$1200.00}. I called weeks before these fees incurred to close account and was assured it was closed and my balance was less than {$1000.00}.
If requesting account to be closed why do I have a total much more than my limit?
I 'm requesting this account to be reviewed for accuracy and false reporting and charging of fees.
This report is false in fees and interest, accuracy. I requested this account to close way before the fees and penalties incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Credit Plus Inc
State: TX

Complaint narrative:
Reviewing my report and noted a inquiry that is not mine. I have not inquired about any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I 've tried to work with speedy cash, however, due to the high interest rates and inability to pay the exact loan. I switched my bank account to cope with how to pay them on my own terms. Recently have had a call with them saying I can pay in XXXX but got default notice a few days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
RE : XXXX XXXX Business Master Card not returning my money A few days prior to XX/XX/XXXX, I notified the credit card company that I had incorrectly made payment of {$10000.00} to my closed business account. Unfortunately, I was not able to stop payment with my financial institution. I had provided the information needed to locate this account and was told that the money was not yet received. I also requested that monies to be applied to my personal XXXX XXXX XXXX XXXX, which is where it was intended but was told no. I also updated my address. After no notification by phone or mail, I contacted the company again around XX/XX/XXXX and again on XX/XX/XXXX, was told they received the money and it would take 7-10 business days. It was during the first week of XXXX, when I contacted the company again, was told that the check was sent out on XX/XX/XXXX and told 7-10 business days I would receive the check. On XX/XX/XXXX, I called again and was told the same thing. At this time, I requested interest ( compensation ) in addition to my refund of my overpayment. On XX/XX/XXXX, I asked to speak with a supervisor who gathered information to share with management. Complaint shared again as in prior conversations. Supervisor told me she would be out of the office until XX/XX/XXXX. I called on XX/XX/XXXX, unable to leave a voicemail but left a message for the supervisor that I had called. On XX/XX/XXXX, was told that the supervisor was aware and will callback. On XX/XX/XXXX, I receive a voicemail from the supervisor that a check is in the mail sent on XX/XX/XXXX via regular mail and not XXXX XXXX as I had requested. On XX/XX/XXXX, I called and left message to let the supervisor know I have not received the check. On XX/XX/XXXX, the supervisor calls and I update her that I have not received either checks. Was told that the first check was not cashed, so the company stopped the check. The second check was sent on XX/XX/XXXX or XX/XX/XXXX. I was provided with the company 's address and fax number to send a written statement. Reiterated return my money plus compensation. XX/XX/XXXX I called, reinforced no checks received, offered suggestion and requested repayment with compensation. XX/XX/XXXX I called again, told that the supervisor is another call. Same information provided. Was told supervisor to call, no calls received. Faxed written letter twice to the company. On XX/XX/XXXX, mailed letter to the company. XX/XX/XXXX received a call from the supervisor. Repeated same conversation as prior. No mention of any fax received, and no further resolution offered. XX/XX/XXXX - Filed complaint with CFPB for assistance with resolution

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 2017-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
Vehicle was repossessed in XXXX of 2016. I paid all fees and totaling over {$3000.00} and received vehicle back. In XXXX of 2016 arrangements were made with company to settle remaining loan terms. Company accepted payment and still reposses vehicle after arrangements were made. After repossession occurred company stated that vehicle could not be received back to due Georgia laws stating that a vehicle could not be repossessed and retrieved back twice in a twelve month period. The vehicles loan title and tags originated and were current in the state of Maryland. Company never sent information regarding date of sale, amount owed or the whereabouts of vehicle as promised. Company is now trying to collect on vehicle loan amount after auction. I was never given the opportunity to purchase vehicle back after paying on car on time for over three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Had insurance protection on all my loans in case of list of job or XXXX, they never helped me. Would just stress me out. Was on XXXX for a year and no payments where made by bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I owe a debt to XXXX XXXX credit card. The debt was sold to an organization called Portfolio Recovery Associates, LLC. I have  been making XXXX dollar payments each two weeks however the organization continues to call me at least two times per week trying to collect the debt. I have received calls from XXXX XXXX XXXX, XXXX ga, XXXX Fl and other unknown locations and it is always the same collection agency. I explain to them I have been making payments and they can stop calling me if I am paying them every two weeks to resolve, but they continue to call. I wrote the customer service dept of this agency and requested they stop calling, still they continue to call. Each time I speak to them the say " yes I see you are making payments, but you have no set payment schedule on file which will stop us calling you. '' I do not feel I should have to put any information on file with them. I do not feel I need to make any type of agreement if I am paying the account. I do not feel I should be called numerous times when I am making payments. This is harassment. I especially feel uncomfortable providing any information with callers from numerous states. I have received callsXXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX in 2017. This is ridiculous please make them stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: DC

Complaint narrative:
From roughly XX/XX/XXXX through XX/XX/XXXXI had internet service with XXXX XXXX in XXXX, MA. Before installation, I was offered a promotion - I could pay up front for the cost of the equipment in order to avoid monthly rental fees and in exchange I would be eligible for a rebate for the cost a certain number of days later ( I believe it was 60-90 days ). I accepted the promotion, paid upfront, and later received said rebate ( see attachment ). During the entire year of service, all bills were paid on time. In XX/XX/XXXX, when I called to cancel service they charged me for my final bill, I paid the bill in full, and closed my account. Now, more than a year later, I am being contacted by a debt collection agency for equipment fees that I do not owe and debt that I am not responsible for.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX sends me offers checks every month for balance transfers purchases or write a check to myself.onXX/XX/17 I wrote a check for XXXX the checks offered XXXX  percent interest for 18 months with a I percent fee I checked my account 5 days later and saw I was being charged XXXX plus XXXX interest. I talked to a rep and was told to have my bank wire the money back and reverse the transaction my banker told me to pay them directly out of my account and save a XXXX fee.i contacted XXXX again and another XXXX said that would be fine and the transaction would be reversed so I sent the XXXX back. the next I got a text saying I had paid more than the minimum amount and still had a balance of XXXX. I called again and was told that my promo check was out of date and I had to pay XXXX .after getting their XXXX back they changed the deal and demanded the extra money it went from cancelling a transaction to paying interest on money for a month that I had for 5 days and was lied to multiple times by.XXXX  XXXX and XXXX made no attempt to contact me or make any resolution or even ask about my interaction with their 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 monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was struggling to repay my student loan in XXXX and XXXX XXXXNavient gave me the only option to pay {$50.00} for a foreberance review. Some months, I could not afford the {$50.00} fee. XXXX XXXXNavient gave me no other option for my loan.

Company response to consumer: Closed with explanation