vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised

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 2018-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Date : XX/XX/2017, car accident bill. 
Account XXXX and XXXX Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, phone : XXXX. 
We were victims in a car accident on XX/XX/2017.  The other car driver was at fault. 
We assigned the XXXX XXXX XXXX XXXX XXXX as our representative and will handle any bills. The XXXX XXXX XXXX XXXX XXXX is located at : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
We have notified by writing, emails, faxes many times regarding billing and payment and advised this company to send bill to our representative. However, this company did not contact our representative but harassed us repeatedly. 
We notified this company that we have a representative lawyer who is willing to work with them directly but they ignored and did not contact our representative. We also notified them that contacting us directly would not get any positive results but may violate the Federal Law ( FDCPA ) but they still ignored. 

Thank you. 

XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XX/XX/2018, After calling i asked about refinancing my vehicle i was directed yo the Capital One Auto Finance website. I get pre approved with XXXX credit score and acceptable loan terms a soft inquiry was used. I continue the online application process same terms and a hard inquiry is stated and agreed singe the loan terms were acceptable. Upon completing my esignature i realized i omitted my apartment number and immediately called the number on the website to correct my address. The rep asks if my loan company is open and as i search for the number i mention my lease. To which the rep states they don't do anything with a lease. I state your website doesn't say that! I just was approve and now a hard inquiry ous on my credit report. If you are not paying off my lease then that needs to get removed. Your website doesn't clearly state this or warn customers you dont finance lease purchase. She stated she couldn't remove the inquiry. I asked for ca supervisor. I was transferred to a gentleman by the name of XXXX at XXXX XXXX. He proceeded to tell me about lease financing, which i interrupted him stating I've financed and leased 4 or 5 cars and fully understand leasing. Your website allowed me to complete and esign the loan and neither before during or signing does it say leases are not b able to be financed. He said yes it does in the FAQs. I replied. I've financed several vehicles. I know my credit is solid i was instantly approved, signed docs only to call back to correct my address then find dont finance lease purchase. I demanded someone anyone to fix this and remove the inquiry. He proceeded to direct me to the office ood the president or to go through the dispute process and they would look at it. I completely disagreed with this staying this isn't fair and isn't right. The website is not clear and upfront this and the inquires need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of fraud and received over XXXX hard inquiries on my TransUnion Report. I called to dispute and nothing has been done about it. I cant even get a card because of all these inquiries that were not made by me. And also there are accounts in my name that are not mine.

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 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I moved out of my apartment on XX/XX/2017. Turned in keys and gate key card. The person took my information just in case I may owe something. Never received any notification about the debt and then in XXXX a collection shows on my credit reports. I have contact the apartment front office and also Headquarters but no will call me back or send a letter breaking down why I owe the amount. This should not have been in collection if I never received any notice. I will continue to disputes until some one contact from XXXX with a break down of the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this 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 2018-05-12 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: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?

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 2018-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: AP

Complaint narrative:
Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.

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 2018-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I took loan from the PNC Equipment Finance, located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for an equipment finance on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX for the payoff amount. The payoff amount was provided by PNC on XX/XX/XXXX. However, PNC withdrew the monthly loan payment amount from my bank also on XX/XX/XXXX. When I contacted PNC to return the over payment, PNC equipment finance 's customer service ( XXXX ) emailed me that the over payment amount ( {$560.00} ) will be refunded to my bank account by XX/XX/XXXX. Today is XX/XX/XXXX and I still didn't receive the refund of {$560.00} in my bank account. I sent emails on XX/XX/XXXX and XX/XX/XXXX to their customer service requesting update and those emails were not answered by PNC. I am fearing that PNC bank will not refund my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?

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 2018-05-12 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: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX XXXX  XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Despite contacting the company regarding this issue I am making the appropriate monthly payments but the monthly billing statements continue to be incorrect. In the past two months now including XX/XX/2018 my monthly statement does not properly reflect any of the two prior payments and is grossly incorrect. The statement appears to indicate that I am either late or delinquent on past payments in which I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was originally paying around XXXX dollars a month and 4 years ago i called them to change my payment plan and they had me pay XXXX dollars a month and i feel like have been paying a lot of interest each month and now is getting really hard for me to make the monthly payments. The balance is still at XXXX XXXX for the longest and they keep charging more interest than anything. Their interest keeps changing constantly each month they take a big chunk for interest and not enough for principal which is why is taking me a long time to pay this off. I now have a mortgage and starting a family and i can not no longer keep paying every month and the balance does not seem to lower a good quantity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
The person who is attempting to collect debt from me claims they are working for the law offices of Robert A. Schuerger. They have not been very pleasant to speak to, Ive tried to pay them so much a month and told them I would be late on my payment for the month of XXXX and the debt collector was not nice about it. They have also called my employer at my old job and that employer as the one now, will not accept personal calls. I feel this debt collector may be pretending to be a lawyer. He tried to threaten me with court and also with trying to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit score dropped over one hundred points from XX/XX/XXXX, my score was XXXX. In XX/XX/XXXX my score dropped to XXXX. 
No late payments- no delinquent accounts with only three accounts, dept. to income ratio improved by selling a home.

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 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new. 

We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit. 

Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me. 

My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not. 

The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue. 

Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: CA

Complaint narrative:
I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -

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 2018-05-12 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: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. 1. Where is the proof? 2. Why is this account being updated?

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 2018-05-12 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: CA

Complaint narrative:
I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -

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 2018-05-12 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: CA

Complaint narrative:
I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: CA

Complaint narrative:
Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name XXXX XXXXXXXX Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXXXX/XX/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 2018-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/2017-XX/XX/2017. 1. Where is the proof? 2. Why is this account being updated?

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 2018-05-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/2017-XX/XX/2017. 1. Where is the proof? 2. Why is this account being updated?

Company response to consumer: Closed with explanation