vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
My mother gained acess to my XXXX XXXX with the prior companies I worked for I cant find it. XXXX XXXX, XXXX , XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Portage Financial Services Company Inc.
State: OH

Complaint narrative:
We got a XXXX XXXX XXXX from this car company in. From the very beginning we had problems with the car from the wheels coming off while driving with my family in the car to the engine and transmission going bad all within a year. After all this finally voluntarily returning the car back in XXXX XXXX. Fast forward to XXXX and my checks are being garnished and I 'm confused cause I never got the chance to explain my side to the judge in court. I believe I should have had to pay the remaining balance after all the issues with car. We were never offered another car or anything after so many deadly issues were reported and happened with the car. After setting up a payment pLan and stopping the garnishment in XXXX my wife lost her job and I became responsible for a XXXX kids, rent, car, insurance, food, and other household bills. I tried to get the payments lowered until we got back to a stable financial situation. I feel like this company knew the were selling faulty cars because after we started having problems the dealership we went to just up and closed no heads up or anything. After I explained everything to the rep about our financial hardships they declined to work with us and lower the payments so we could get back on track. We understand that we missed some paymentsort but after explain our hardships and even breaking down out bills they still were n't willing to work with us. I 've been trying to contact this lawyer of theirs since XXXX and she never answers her phone or respond to voice mails. In XXXX after calling and calling and calling and telling them I was filing a complaint because the were n't returning or answering our calls to try and resolve the situation we were finally contacted by a XXXX XXXX Who works for the finance company. When this second garnishment was started up and we went to the court house so try and fight the case we were told we do n't have to go through XXXX XXXX to set up payment we needed to their lawyer who still does not have a office or even a working answering machine for you to leave a message. As a result of all this my wife is starting to suffer from XXXX from fear of us losing our home and car. As a result of the garnishment as explained in an email we our now suffering more hardships as we are behind on out rent and because of not so good credit I have a car payment of {$610.00}, rent is {$890.00}, we have XXXX kids, insurance, food, and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company NCB MANAGEMENT SERVICES INC to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided on XX/XX/XXXX a fraudulent debt that leads one to the conclusion that NCB has on file an account number confirmed to be different from the " Original Creditor ''. The information NCB provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I just received a statement from Bank Of America where they paid my back taxes on my property. I have set payments up on my taxes and have never been up for tax sale. We have up to 2 years for taxes. I have always set up payments and never defaulted. What Bank of America did was set up an escrow a few months ago {$29.00} for taxes per month. With penalties I pay a little over {$2000.00} a year for all taxes that year. I never had problems with them before on this. I had a 20 year fix mortgage with countrywide home loans which bank of America bought out. I have a little over 5 years left on this mortgage. I have never missed a payment or been late on one. So what they did was added XXXX a month to my mortgage. My mortgage is XXXX per month. They now state that I have to pay XXXX per month. I was able to make my payments before. Now I wo n't be able to. That XXXX totals XXXX per year. I thank this is an attempt to foreclose on me with no just cause. There was absolutely no reason for this. I have to live just like anybody else including 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 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: SC

Complaint narrative:
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a  fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.

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 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for a consumer credit card with Capital One. My application was denied due to " pending litigation. '' There is no indication of any litigation on any of my credit reports from XXXX, XXXX, or XXXX. On Capital One 's denial letter, there is no indication of where they obtained their information of " pending litigation. '' I called Capital One about this matter and asked where they got this information. They would not tell me. I believe this to be a blatant disregard of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had opened up a new XXXX Charge Card and the billing address was misinterpreted by the clerk and I never received a billing statement to pay it off until a Credit Collection Agency ( XXXX XXXX XXXX ) hunted me down and made me aware of the unpaid overdue balance. I negotiated a settlement payment with them and sent them a check to pay off the debt. They are still listing the write off they agreed to of {$77.00} as unpaid and overdue. Numerous phone calls to this agency to correct the problem has been fruitless. They say they will notify the credit reporting agencies to remove the debt but they never do. I consider this company to be a sleazy operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 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:
To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.

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 2017-11-30 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:
To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.

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 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK INTO CASH INC.
State: DE

Complaint narrative:
Please see complaint XXXX from XX/XX/XXXX is not resolved. I respectfully asked for a letter to be mailed that indicates that the loan was deemed to be fraud and not opened by us. While the company said they sent something to XXXX, respectfully this is n't enough. Respectfully the response indicated that they took steps to validate information. Respectfully, I would say their measures are lacking. Other Companies contacted us within that same 48 hour period to verify information and those loans were not funded. I have the names on our caller id, so respectfully, if you want to call me, I can provide their names and perhaps you can reach out to them or their vendor to respectfully enhance your processes. In closing, we simply want a letter that states that the loan was investigated and deemed fraudulent. This way if the loan surfaces somehow during our home purchase or accidently gets sold to a 3rd party for collection, we can use it to support our claim. The prior response is simply insufficient, incomplete, and self serving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is the ONLY Credit Reporting Company reporting false information!!!!! 

I have not ever been late on my XXXX XXXX XXXX XXXX nor my XXXX XXXX. 

This was previously corrected and added back for some strange reason. They said they were going to investigate AGAIN but did n't get around to it. As a result I was denied a loan based on LATE PAYMENTS!! Not FAIR! 

Inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.

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 2017-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I applied and was approved for a XXXX XXXX XXXX XXXX card through Bank of America while I was finalizing my cruise arrangements on the XXXX XXXX Website. XXXX XXXX and Bank of America BOTH advertised on their websites ( and still do ) that if I applied and was approved for the card and completed a transaction within the first 90-days, that I would receive XXXX Bonus Points which could be redeemed for a {$100.00} Onboard Credit during my cruise. I made the qualifying transaction immediately upon receiving approval online while booking my cruise. I then received the actual XXXX XXXX XXXX XXXX card in the mail and took it with me on my trip. 

During my cruise, I spent {$210.00} onboard, thinking that {$100.00} of it was going to be covered with the {$100.00} Onboard Credit that I had earned. However, after my cruise, the {$100.00} Credit was not showing up on my statement. 

When I contacted XXXX XXXX about XXXX XXXX and they told me that I had earned the {$100.00} onboard credit, but I would have to deal with Bank of America because they had cut my statement off too late for me to receive my {$100.00} onboard credit for this cruise, but I could use it on my next cruise! Wow, why would I want to take another cruise with XXXX XXXX after they had lied to me? It was like another gimmick to get me to book another cruise! On Wednesday, XX/XX/XXXX, at XXXX, I spoke to XXXX at Bank of America . He took the information and issued me a Case ID  # XXXX and indicated that he would try to get the {$100.00} statement credit applied to my account. I received a letter from Bank of America dated XX/XX/XXXX stating that they had reviewed my account and had applied my rewards correctly and referred me back to XXXX XXXX. So basically, the small consumer is stuck with two very large corporations pointing the finger at each other over a {$100.00} False Advertising Scam.

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 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have two consolidated loans that I am paying off. I took them out with XXXX XXXX and started paying them back late XXXX or early XXXX. Navient took over these loans in XXXX I believe. I have automatic payments since payback period took place and have never missed a payment. I look at my statements every month to see the total slowly going down. In XXXX of XXXX my statement said I owed {$49000.00} and previous statements showing this total going down each month. My XXXX statement said I owed {$52000.00}. {$3300.00} was added to my loan and I ca n't get an answer as to why. I have been paying back this loan for almost 9 years and now extra interest is being added on and Navient keeps giving me different answers. It has been 4 months since I 've started my inquiry. I have had 4 chat conversations of which I 've saved and 3 phone conversations. Every time I get a different reason as to why with no solution. In the end they tell me they are going to send it to their research team and I should hear back within 14 days. I 've heard back twice with a form letter explaining how interest works and a second letter saying Navient took over my loan from XXXX XXXX. Neither of which answers my question as to why after almost 9 years of paying back my loan they added interest of {$3300.00}. I talked to a supervisor yesterday who ca n't explain it and again she said she 'll send it to the research team. I do n't know what else to do. I received two answers saying my graduation date was changed in the national student database of which I then had XXXX University correct it. That did n't solve it. I 've had them say they do n't see an issue even after showing them my monthly statements. I 've had them say I was on an interest only paying loan which is n't the case when you look at 9 years of payments. I 've had them say it was on a 2 year graduated repayment loan of which I said how can that be since I 've been paying this back for 9 years. I 've had them say my last 9 years of statements were wrong and now it is right. I ca n't get a straight answer and it is obviously because they do n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I was affected by Hurricane Harvey and was approved for a forebearance plan on XXXX-XXXX-17 with Caliber Home Loans that would allow me to skip my mortgage of XXXX for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The forebearnace plan was offered to me, and since I needed to make home repairs, I took advantage of it since I was told my balance would be added to back of the loan and that my payments would resume as normal in XX/XX/XXXX. Today, I fear Ive been scammed. Ive received bills and a certified letter stating Im at risk of foreclosure and the total amount is due. Yesterday I spoke with XXXX in customer service and was told that I could avoid foreclosure my remodifyinh My loan and that it was already going through that automatic process which could result in higher interest rate ( my current rate is 3.625 and he stated it may go up to 4 percent or more. Caliber has taken advantage of hurricane Harvey victims by promoting payment plans via get help hooks on their website and yet developing a scheme that is only benefiting them, and will only hurt their clients. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I contacted Chase that there were unauthorized charges on my credit/debit card in the following amounts : {$260.00} XXXX XXXX {$300.00} XXXX {$470.00} XXXX {$480.00} XXXX I reported that my card was stolen. 

On XX/XX/XXXX I completed the enclosed form and was given a temporary credit on XX/XX/XXXX. ( see attached forms ) On XX/XX/XXXX I was advised that they would be removing the temporary credit. When I contacted them they advised that since the PIN was used they were legitimate purchases. I again advised them that my card was stolen and that I had not made the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: AZ

Complaint narrative:
I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: FL

Complaint narrative:
The money ( XXXX $ ) I paid to mortgage company XXXX ( CalAtlantic ) disappeared during my mortgage transition to the other mortgage company ( XXXX XXXX ). 
The XXXX ( CalAtlantic mortgage company ) erased my two regular payments and extra XXXX from the payment balance and marked it as " MissaplicationReversal ''. I have not received those money back. 
The CalAtlantic refused to provide explanations.

I also asked investigation initiation by my bank ( XXXX ). 
I requested investigation by XXXX XXXX ( new mortgage company that bought my mortgage from CalAtlantic ). They have not been able to provide explanations for 1.5 month. 
I claim that my money have been stolen by CalAtlantic mortgage.

Company response to consumer: Closed with explanation