vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
XX/XX/2019 I received a threatening call from XXXX XXXX. The representative asked where the vehicle is located? I explained this is an ongoing dispute with Exeter Finance and I have sent a letter advising only written communications. The representative then stated she does not have any records or document from Exeter Finance referring this and then raised her voice and kept asking where is the vehicle? The second call, the representative left a voicemail stating this is an insurance matter for me to return the call, after I stated do not call me only written communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I discovered an account on my credit from Monterey Collections. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, I reached to them a few times in writing and finally received a response back from XXXX XXXX ( a  representative of the company ). She advised me that I needed to dispute the validity of the debt within 30 days ... .. and since I had not done that- they did not need to validate the debt- they would move forward with their collection efforts. However, they would report the account as disputed on my credit report. 

I don't understand how I was offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
Alleged debt appeared on my credit report. I contacted to notify that the alleged debt was not mine and no action was taken. I disputed the alleged debt and the collection agency BAY AREA CREDIT SERVICE has not taken action. This alleged debt is not mine. BAY AREA CREDIT SERVICE needs to verify their information and make sure not to violate my HIPAA rights in the process.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Made the XXXX payment and they refuse to post it to the account and have left it in a suspense account and there is no payment being shown made after they have take the money. I am beginning to think that Bayview is a XXXX group that is collecting money for their cause. They are a bunch of XXXX and XXXX  people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Northstar Collections (? ) phone XXXX called my number trying to reach XXXX XXXX. We have had this number for almost a year now and there is No XXXX or XXXX here. The guy said they were given this number and acted like it was my fault someone lied to them. 

CHECK THE XXXX OWNER OF A NUMBER BEFORE YOU CALL ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This started with a credit card charge being questioned for fraud. I received a call on XX/XX/2019 at XXXX XXXX  EST asking about a charge on the card that could be potential fraud. 

I called the Chase fraud department the following morning, XX/XX/2019 at XXXX XXXX EST and spent 20 minutes on the line and got the charge approved and cleared.

A few hours later I go to login to my Chase online account, that is locked. I call again, XX/XX/2019 at XXXX XXXX EST to have that unlocked and spend 40 minutes on the phone. 

I go down to the bank to pull money out of the ATM using my debit card, my debit card is locked. I go into the bank location, XX/XX/2019 at approx XXXX XXXX  EST and ask them to please unlock my card, the Officer/Relationship Banker, at the bank location calls someone internally at Chase. Has my bank debit card unlocked, I ask him if there are going to be any further issues regarding my accounts. He asks the person on the phone, they state no there should be no further issues. 

Neglecting to mention to me that my Chase Sapphire Reserve card being locked for up to 10 business days. 

So I go out to dinner and go to pay using my Chase Sapphire Reserve card, it is declined. I call the number, XX/XX/2019 at XXXX XXXX EST, on the back of the card, the lady explains to me that my account is locked for fraud investigation, but won't tell me anymore. 

I pay for my dinner with another card and call the number I had been given earlier for the fraud call I made first thing in the morning, this call is made XX/XX/2019 at XXXX XXXX   EST. The lady that answers the phone gives me more details and says the account will be locked for the next 10 business days and that there is nothing she can do about it and I need to contact the fraud investigation department directly, but that they are closed until the morning. 

This is unacceptable. Having ALL avenues of access to my accounts blocked is NOT acceptable, especially with no notice. Not through the secure messaging on the website, no phone calls, no nothing. 

Why wasn't I notified during ANY OF THE POINTS OF CONTACT DURING THE DAY?!? 

I initiated 4 phone calls and 1 physical point of contact at a branch location! Not one person could tell me that my card was locked for 10 business days?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing this due to non compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-07 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****

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 2019-11-07 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: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
Independent Recovery Resources is a collection agent that was allegedly hired by my doctor 's office. They filed an adverse complaint against my credit report in XX/XX/2019 after the account was allegedly placed in collections with them on XX/XX/2019. However, I paid the account on XX/XX/2019 and provided written evidence to this effect on XX/XX/2019. The doctor 's office confirmed that the account was not in collections and the matter should not have been reported to the credit bureau. As of today, there is still an adverse report on my credit report. Please penalize this business for their illegal acts and order them to remove the matter from my credit account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I discovered an account on my credit from Midland Funding. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, it is going on 90 days and I have yet to hear back from them ... however, they have contacted the credit bureaus are informed them that account number XXXX is my debt!!! 

I don't understand how this debt was placed on my credit ... .I was never offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice? I don't know whom the original creditor is to try and get to the bottom of this. I have reached out to the XXXX  and the FTC as well to ask for assistance. This is unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had my bank account opened for 7 years with no fees ( just required one monthly transfer from checking to savings ).

However 3 months ago with no notice I started getting billed {$12.00} a month for a " Monthly Maintenance Fee ''. 

I called up bank of america and they said the new requirements to avoid the monthly fee was to maintain a {$1500.00} balance in the account which I quickly made sure to do, however bank of america is refusing the refund the {$36.00} in fees.

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 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Biltmore Asset Management LLC
State: CO

Complaint narrative:
Company is trying to get employee information but refuses to tell us who their client is. They are unprofessional and really quite creepy. I would hope that anyone who gives out their employees information to these people gets sued, and their immoral business practices should be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****

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 2019-11-07 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I ( XXXX XXXX XXXX ) am making this complaint because Experian has continued to disregard my fraud dispute for Identity Theft. I am now submitting my documents here to have record of my submission to Experian with the submitted date. This dispute is regarding the " XXXX XXXX XXXX ( Account # XXXXXXXXXXXXXX ) '' on my credit file with Experian. This information is not information relating to any transaction by me ( XXXX XXXX XXXX ). 

I have submitted the documents below per the Fair Credit Reporting Act as follows ; appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Upon receipt of this report of Identity Theft I expect that Experian block or remove this inaccurate and/or Fraudulent item from my credit file on my report with them within 4 business days. 

I am submitting this complaint and these documents myself ( XXXX XXXX XXXX ) and no other parties are involved besides the CFPB and Experian.

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 2019-11-07 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: PA

Complaint narrative:
I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-07 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: PA

Complaint narrative:
I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have obtained evidence from the merchants and the transaction bank to confirming that the two payments have indeed been confirmed as fraudulent, and the merchant has not charged any money to my cr

edit card HSBC bank. However, I received the two payments from the HSBC credit card bill. I passed the evidence to HSBC and complained to HSBC. The HSBC credit card department ignored it and did not respond. Please ask HSBC to return the two fu nds : {$1900.00}, and return the interest charges already charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: MA

Complaint narrative:
The XXXX XXXX XXXX account on my Experian credit report is inaccurate, I was never late on my payments, delete the account.

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 2019-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I recently applied for a loan with a company named one main financial and they deposited a check into my account saying it was verification amount that I would have to send back to them verifying there was a way that I could pay them back. When the money became available I was told to send the money back to them by putting it on a loadable card from XXXX and XXXX and after I did that they returned the check which was fraudulent and my account went negative. {$990.00} is the total amount of the check that was deposited and my account is currently negative {$1000.00} in total charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian added a consumer statement that I did not request, that caused me to be denied credit today. I have included it below. I asked them to provide permissible purpose for the inquiries on my report in the form of a signature which they did NOT do, they chose on their own to add the statement below instead of following the law and providing what I requested. 

XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2019-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I called USAA auto loan companies to get an extension on my auto loan for the Month of XXXX because I was already paid all the way through XXXX. The initial representative made a mistake and processed it for the paid month of XXXX and had to speak to a supervisor so they could correct it Ive been calling for hours at a time for them to practice and they still have not corrected it saying that they used my extension for the month of XXXX a paid month I was told multiple times they would correct it they will listen to all the phone calls and make sure that my next payment was not due till XX/XX/XXXX and that XXXX the proper month would be extended or deferred. After paying my auto loan biweekly for the past couple of years I am very upset that now that I have medical situations that cause me to ask for a one-month extension the one with extensive has been placed in properly and has now affected me in a negative light even though it should not I am asking for someone to step in and make sure that they process the extension/deferment properly for the month of XXXX and not take my XXXX payment and use an extension for a XXXX balance that is unfair to me as a consumer there are plenty of notes that stem from XX/XX/XXXX all the way through the month of XXXX there are voice recording this was an easy thing for them to correct they couldve either apply the extension properly for XXXX or Or simply use the XXXX payment for XXXX since the process to the extension for XXXX this is not difficult please look into the notes and make them correct this as Ive been a USAA member for 20 years with no delinquencies and now this may cause that and it was USAA bank error and they said fix this immediately thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
To whom it may concern, I have started disputing items on my credit profile that all are primarily related. The first item that was disputed connects with all of the alike charges from the same XXXX XXXX consultants. The first dispute had judgments rendered in my favor but the second was decided in the favor of the creditor. These charges stated previouslyshould have been paid through insurance due to the fact that I had medical insurance and also the fact that after settlement with the liable auto insurance, my attorneypaid my medical bills and took theirportion of what was agreedupon before I could get my compensation. Thus the bills pertaining to CMRE Financial services are not legit. Many of these charges seem as if they may be duplicates or manipulated due to the large of owed amounts and repetitious amounts allegedly owed. I haven't recieved mail stating that I owe this company and when asked they wouldn't provide dates when I used their service. Their are at minimum 14 accounts that they claim that I owe. I would like proof of their legitimacy and what information is required to disprove theirallegations. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I checked my credit report to find a trade line from Bridgecrest for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. This account does not belong to me and I want it removed from my credit. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.

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