vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CASHCALL has reported a charge off account on my credit report and now started aggressively attempting to collect debt on the account that does not belong to me in first place. After requesting validation of debt, cashcall provided " loan transaction history '' in my name or similar name showing payments made but NO evidence or image of the payments they received. They also provided " promissory note '' in my name but at the address I never resided at ... Further more contract 1 ) has NO signature, 2 ) ss #, 3 ) date of birth or 4 ) the name of the loan originator AND 5 ) it shows an interest rate of 139.12 % which is a usury for the state of CA where it was originated and states the originator is governed by the laws of California where limit is 10 % Now I received a collection call, letter and threat to legal action from cashcall and XXXX XXXX for an erroneous loan, supposedly opened in 2014 ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: State Finance Company
State: TX

Complaint narrative:
XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XXXX XXXX  2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.

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 2020-04-02 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-02 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Cabelas is reporting a late payment for XX/XX/2019 and I was not late. I always make my payments on time and it was an error on your systems end when I was trying to make payments. I have had an account with you for a very long time and have had no issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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 2020-04-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Collection Bureau of the Hudson Valley, Inc.
State: UT

Complaint narrative:
Collection Bureau of Hudson Valley is double reporting on my credit file with XXXX XXXX. This is erroneous and needs to be removed off my credit. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am seeking COVID-19 hardship forbearance as provided in the CARES Act. My servicer is TIAA Bank. To request a forbearance, they require you to print out and complete a form and fax or mail it to them. I completed the form and went to a XXXX XXXX to fax it, which I did on Monday, XX/XX/2020. I called TIAA Bank on Thursday, XX/XX/2020. The woman I spoke to said the missed payments would have to be paid in a lump sum in the month following the end of the forbearance period and that this was XXXX XXXX 's interpretation. She further said that, if you couldn't make the payment ( reflecting the sum total of all the previous months ' payments ), you would have to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance has never disclosed or provided any information regarding what portion of my payments are going towards the principle amount. Now that I have been temporarily laid off due to the COVID-19 crisis I reached out to Exeter to get some assistance with managing my payments and discovered that the last 7 payments were applied to interest only. I was never informed of this at any point. After spending 1 hour on the phone with them it was disclosed to me that I have a " simple interest loan '' and 100 % of my payment is going towards interest. The payoff on my car now is {$140.00} more than when I purchased it. It was also explained to me that they are unable to disclose the amount I pay towards the principal because interest is calculated on a " daily basis ''.

So, I have never received any details about any payments I have ever made. I have paid {$700.00} a month for 18 months and the principle on my loan has increased by {$140.00}. 

I am at a loss and hoping for some help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX a Chase Employee made a " mistake '' and " accidentally '' closed my account and debit more than U $ S XXXX. I'm complaining since then and still my money isn't back into my account. I NEVER GAVE CONSENT on this debit or closing my account and Chase employees tell me they can't do anything. I wasn't able to pay my rent due to this issue and it's been now more than 10 days contacting Chase almost every day and they give NO SOLUTION. Please, I want my money back into my account NOW. Attached you can find the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/2020 I, XXXX XXXX XXXX called UWM Mortgage on XX/XX/2020 at this number XXXX and asked them for possible Mortgage assistance because my significant other lost her employment due to the Corona 19 epidemic and I am the only one working in our house hold. The represent told me that they sold my loan as of today to XXXX XXXX because XXXX XXXX ask them to. I paid my mortgage on time all I asked them for was possible assistance with a possible deferment program, they said no and sold my loan to XXXX XXXX, She told me that the investor XXXX XXXX told her to dump my loan. I served my country Honorably and all I asked for was assistance to defer my Mortgage payment, but instead of helping me, they sold my loan during a epidemic to avoid possible financial losses. I am a XXXX XXXX, and work for the XXXX, please look into this matter, I feel I have been discriminated against because I asked for assistance during a world wide pandemic. This company XXXX XXXX has turned its back on me when I needed them the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: ERC
State: NJ

Complaint narrative:
Enhanced Recovery reported a debt to all three credit bureaus without validating the debt, according to the Fair Debt Collections Practices Act, 15 USC 1692g sec. 809 ( b ) .This action might constitute fraud under both Federal and State Laws. I will consult counsel for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accelerated Receivables Solutions
State: WY

Complaint narrative:
I was not aware of this debt until XX/XX/XXXX at approximately XXXX when I was served with the legal papers. I initially tried calling the company where the medical services took place. They refused to help me. They said that the debt was too old and that " I should have read my Explanation of Benefits '' or known the terms of my insurance better. As I explained to them, I wait for the bill so that I know that everything is hashed out between the insurance and the facility. I do not even recall receiving an Explanation of Benefits, but I know that I did not receive any letters. When they refused to help me, I called and talked to XXXX at Accelerated Receivables Solutions. When I spoke with her, she let me know that they had sent me 2 letters since the XXXX date of service. I do not recall receiving either of these. The kicker was that she openly admitted that THEY CALLED ME OVER 160 TIMES. I did not receive any messages and like most people, I do not return calls that I don't know and that don't leave a message. XXXX demanded payment in full and told me that the ability to make payment arrangements had passed. I proceeded to tell her that if they weren't even willing to work with me, that I would see what my options I had in regards to harassment as she herself had admitted the number of times that they called. Looking at the math, that would be 1 phone call every 5 days for the past 2 years and 3 months if you are only looking from the date of service from the original debt of XX/XX/XXXX and I am sure that they received it at least a few months after that date which would make the number of phone calls even worse. I would like to know what options I have her and what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: State Finance Company
State: TX

Complaint narrative:
XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XX/XX/XXXX, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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:
XX/XX/2020, an agent from XXXX XXXX  called me, and informed me, that if i just made onXXXX payment it would bring my account up date. As of today XX/XX/2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried hand writing letters and even submitted evidence that the current items on my profile are paid off by bankruptcy or incorrectly reporting. Experian refuses to dispute my claims even with evidence sent. The fair credit reporting act was made so consumers wouldnt be hurt. Experian on multiple occasions have violated my rights in this matter. They refuse to dispute my claims on my dispute. Letter of dispute will be attached with evidence letters. Everything was sent certified mail so I got receipt that my letter was received. Attached will be a copy of this as well.

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 2020-04-02 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent written communication SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the nationalcrediting reporting agencies on account number XXXX. On XX/XX/2020 XX/XX/2020 Isent written communication to SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO communication from SANTANDER CONSUMER USA. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing SANTANDER CONSUMER USA communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires SANTANDER CONSUMER USA to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. SANTANDER CONSUMER USA provided none of the above. SANTANDER CONSUMER USA continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentiallymakes them actionable by criminal complaint. SANTANTER CONSUMER USA has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from SANTANDER CONSUMER USA that they will not change the UNVERIFIED, INACCURATE, and INCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Midwest Recovery Systems
State: WI

Complaint narrative:
Hello, I checked my credit report in XXXX XXXX on XX/XX/XXXX and noticed a new collections account from Midwest Recovery Systems. I have never received any correspondence from this collection agency, nor have I ever borrowed money from " XXXX '', who is the listed " original creditor. 

It shows that the account went to collections on XX/XX/20 in the amount of {$1000.00}. Again, I have never received any sort of correspondence from Midwest Recovery Systems, nor have I ever received payment from XXXX. Upon looking into this issue, this seems to be a common problem with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
received a notification that some company by the name of amsher collection had added an ac count to my credit reeport. I have no clue who they are. they have not sent me a piece of mail allowing me to dispute or to say yes or no I am familiar with what they are talking about. I don't have a clue as to what they are talking about or who this company is that they claim to represent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My Amazon account has affected my credit, because there was a {$25.00} balance on it for 3 months and I did not know about. I was not receiving statements. I learned about this when I received a call that I was late on payments. I paid this and extra because I did not know what other fees they would attach, including any annual membership fees. At this point, I have a credit balance on my account. 
I have called Chase credit card company twice to close this account. They say they will close it, but I keep getting statements in the mail. I do not want the card, and no longer want to pay any of their fees.

Company response to consumer: Closed with explanation