vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX XXXX on behalf of Capital One are conspiring to force through a frivolous law suit against me. 

On XX/XX/XXXX Capital One filed a motion to dismiss which was granted on XX/XX/XXXX. However, they are still stating that I owe this debt despite the fact that the dismissal THEY requested was granted.

They know this is well past the 6 years for the Statute of Limitations on debt in Indiana, ( originally filed on XX/XX/XXXX. ) They have no genuine merit or basis to collect on this and are intentionally dragging out the process as an intimidation and scare tactic against me. This is simply a covert approach for nefarious activities to exploit and extort the consumer. These are reckless, deranged and deliberate advances at all levels. 

Therefore, I am requesting that this matter be negated and rescinded on all effective levels with the support of the Consumer Financial Protection Bureau and with the Indiana State Attorney General and that a letter stating I no longer owe this debt and this matter is officially closed be sent to me immediately. Furthermore, their actions should be met with the full force of prosecuting judgments of the just based on their deceptive advances on all effective levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TX

Complaint narrative:
I am a victim of identity theft and 4 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. 
Consumer mortgage in the amount of {$6000.00} XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2018-09-06 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: FL

Complaint narrative:
There are a total of 5 hard inquiries on my credit report. Three of them are credit inquiries for mortgages, within 45 days. This should only be listed as one hard inquiry. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

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 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX, located at XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX, NY XXXX, sent me a letter claiming i owed them {$49.00} for debt owed to XXXX XXXX XXXX. I never went to this medical lab, and have no idea what this debt is. 

I reached out to them to provide validation or proof of the debt on XX/XX/2018, and i have not heard from them since. 

I am afraid they are sending these false letters to other people in XXXX, hoping to trick people into sending them money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: FL

Complaint narrative:
I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 )  bureau credit files ( see copy of letter received from XXXX XXXX ) and had promised to make the ( 3 )   reporting bureaus aware On XXXX XXXX XXXX I reviewed my credit files accessed from XXXX XXXX ; XXXX and Equifax ( see attached copy of Equifax and XXXX XXXX credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
The original creditor notified the collection agency to cease all efforts. Bill is paid. The agency continues to threaten us for a paid bill we do not owe. Original credit says they don't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX. of XXXX Ny illegally obtained my credit report under false pretenses resulting in a hard inquiry to my credit report. They used the excuse for obtaining report as child support than proceeded to send me a letter in XX/XX/XXXX that they were going to have my accounts frozen. When I went into office in XX/XX/XXXX with the letter, I did not know they had already ran the report without my knowledge or permission. I do in fact have an old medical bill from when I was a child that my parents paid up until my mothers death when they came after me for payment. By the time they MADE me responsible for the bill the interest had raised the bill to over {$10000.00}. I now have the remaining balance down to {$4400.00} on this day. There was a judgement against me for this which has been lifted since I have been faithfully paying and the time has expired. I have been in the process of buying a home and this hard inquiry came up. When I went into the office XXXX first told me it was a mistake and it will be fixed. Within the hour I went back for further information about the hard inquiry. Than a Mr.XXXX   tells me while holding the proof in his hand in email form of said credit report inquiry that, they did not do that than he goes on to tell me, we can do whatever we want, and have a nice day. I have not contacted or spoke to anyone in the office since the day nor had they tried to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a traditional IRA account with a local bank. I have been trying for several months to transfer the account to an IRA account at another bank. I have filled out all the required forms and sent to the new bank. The new bank forwarded the forms to the bank holding my account and NOTHING happens. The new bank keeps telling me that they are waiting for " the check ''. They advise me to call my bank to expedite the process. I did that and am told that the transfer is " on hold '' because information is missing. Next it was a " medallion signature guaranty '' that was missing. I get that done. The new bank sent in the forms again. Again no response. I call again and was told the forms had not been received, and what address they had been sent to. I confirmed the address [ the one on my account statement ] only to be told that that is not the right address. [ the previous - rejected - forms had been received at that very address ] Meanwhile, the local branch - I have a checking account there - can not help because " they are a separate company from the XXXX XXXX and are not related ''. I tried to contact the " representative '' listed on my statement [ XX/XX/2018 ] - got a message that she does not work at the bank anymore. 

I am XXXX years old, trying to make my life easier by consolidating my bank accounts. I have been a customer with this bank for many years and I find this experience horrifying! It's my money. They know me personally. All forms properly have been filled out and submitted. They have a verified signature. They keep putting obstacles in my way to keep my money in the account. What can I do to break this cycle .... or do I have to expect this to happen with all my " retirement accounts '' [ with some other other banks ] when I want to transfer or close an account???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: CITIBANK, N.A.
State: SC

Complaint narrative:
XX/XX/XXXX I have made many phone calls to my Citibank credit card. There was a charge by XXXX XXXX XXXXr on XX/XX/XXXX of {$620.00} that I did not make. I called within the 60 day window to dispute the charge. They refused to investigate the charge. In fact they wanted paperwork from XXXX despite the fact I had not done business with them. The girl on the phone claimed she had no option to dispute it. ( Something to do with it being a rental car company. ) I asked for a supervisor which then hung up on me. So, I called and complained about that. When I read somewhere that I needed to cancel the card to dispute the charge, I called Citi, cancelled the card and Citi informed me that they would be investigating the XX/XX/XXXX charge with XXXX. ( This was my 6th call to them. And took place on XX/XX/XXXX. ) I received my new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I called again because Citi still was not investigating the charge not was it showing a credit on my account. On XX/XX/XXXX I spoke with a female named XXXX (? ). She also told me that this amount would be reflected on my new card in 2 to 3 business days. It was not. It still is not being reflected on my  account. I called 2 weeks ago and was told it would definitely be showing up the week of XX/XX/XXXX. It did not. I called today ( XX/XX/XXXX ) and was promised yet again that it would show up. But, if it did not, I still could deduct the {$620.00} off of my next payment. I think they are still pushing me aside.

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 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: TX

Complaint narrative:
This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I got this loan due to a need to get groceries and now I am having trouble paying the loan back as I am on ssi but they automatically take payments out of my bank account every month. I did an online chat today and asked about getting another loan after paying off my current loan and then asked if some of the fees for my current loan could be waived. Here is their answer : You are connected. 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if they fees are less or not? 
XXXX  : Welcome to XXXX. My name is XXXX. How may I help you today? 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if the fees are less or not? 
XXXX : I can take a look at your account and assist you. 
XXXX : Before we proceed I need the telephone number that is associated with the account and your state of residence. 
me : XXXX me : Tx XXXX : Can I get your first and last name please? 
me : XXXX XXXX XXXX : XXXX I please verify the laXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  month and year of your birth? 
me : XXXX XX/XX/1981. If you just said all that in XXXX XXXXe it would've been quicker. 
XXXX : Thank you. You need to payoff your existing loan before you can apply for another loan and yes there is always fees and interest to reloan. 
me : I know that I was not asking about my current loan, I just wanted to know, if I did or when I do decide to apply for another loan if the fees are less than in my current one  or not. 
XXXX : It's gon na be the same rate. 
me : Ok, then I will not apply for a new one when I pay off my current loan. 
XXXX : Alright. have a great evening. 
me : Is there any way I could waive some of the fees or one payment? 
XXXX : The payoff amount as of today XX/XX/XXXX is {$170.00} and I am unable to waive the fees. 
me : ok. 
Here is the payment schedule and dates for my current loan : PAYMENT SCHEDULE No. Payment Date Payment Amount 1 XXXX {$100.00} 2 XXXX {$100.00} 3 XXXX {$100.00} 4 XXXX {$100.00} 5 XXXX {$100.00} The amount of the loan was only for {$220.00} and I feel all these fees are way too much and they aren't even reporting it to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: FL

Complaint narrative:
I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXXt where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from  XXXX XXXX ) and had promised to make the ( 3 )  reporting bureaus aware On SXX/XX/XXXX I reviewed my credit files accessed from Trans Union ; XXXX and XXXX ( see attached copy of XXXX and Trans Union credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.

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 2018-09-06 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: FL

Complaint narrative:
Account Number : XXXX I previously disputed this account with XXXX/XXXX XXXX on ( 2 )  occassions over the last 9 months.I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was  sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from XXXX/XXXX  XXXX ) and had promised to make the ( 3 ) reporting bureaus aware On XX/XX/XXXX I reviewed my credit files accessed from Experian and to my suprise I see that XXXX/XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.

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 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Security Finance makes it impossible to make loan payments on time by having the online app fail. When customers call to pay, they are unable to find the correct account and pressured to renew or borrow more money. Payments in the mail get lost. Late fees and interest are high, so making payments difficult is a way to dishonestly collect more money from borrowers. 

My branch is supposed to be XXXX. When I call, I'm told It's XXXX, but they don't have the number. All I have is a handwritten form with the wrong phone number on it. 

I want to pay on time. I think I've been scammed, and I don't know how to make it stop.

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 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I paid {$770.00} for an appraisal that FirstTech ordered. This appraisal allowed me to remove the private mortgage insurance from my current mortgage. To use the appraisal for a second lien on my current home, a different lender asked for a letter from FirstTech stating that FirstTech releases the interest from my appraisal. 

FirstTech refused to provide the appraisal transfer letter and gave no reason. They said they would not release the interest in the appraisal I paid for, therefore, they would not provide the letter for me. They tried to refer me to a FirstTech loan officer to talk about a second lien with FirstTech,  but they don't offer the financial product I'm looking for and their interest rates are not competitive for it. 

XXXX XXXX guidelines state that lenders can transfer appraisals. In addition, most lenders have a standard template to transfer the appraisal for customers. One of them is XXXX XXXX XXXX. Therefore, there's no reason they can not provide an appraisal release letter. 

If they were going to keep the interest in my appraisal, they should have paid for it and informed me upfront about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation