vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have called and spoke with their representatives over the phone countless times. All of the contact and personal information they have on file for me is inaccurate. I sent a letter on XX/XX/XXXX and XX/XX/XXXX  to all three credit bureaus requesting they ask for documentation to confirm the validity of the debt. As a response to all of my disputes I have not received any proof of ownership. The company is claiming I defaulted on a lease from XX/XX/XXXX. However, at that time I was a college freshman living in an on-campus dorm at XXXX XXXX University. There is no way I would have been able to be financially responsible for an apartment or even provide proof of income because I was a full-time student. This company has damaged my credit for years without my knowledge. I have only recently become aware of this issue because I am currently attempting to get my first place and checked my credit.

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 2017-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17,  concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I am a   XXXX   XXXX   XXXX   XXXX   helping a client get a modification on his mortgage. The servicer  is PHH a nd I have had continued problems with them regarding this case.   My client recently started receiving    XXXX  . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account.   In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in   XX/XX/XXXX .     PHH keeps in sisting that they nee d two months  worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization.   The servicer keeps sending out missing docs information for the same documents that have been submitted.   The most recent package was sent  XX/XX/XXXX  of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent.   My client has   XXXX   XXXX   and he is on  XXXX . He would not be able to tackle this issue alone, so I am advocating for him.   Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well.   This has been going on for several months and it has gotten to the point where I just needed to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I have tried to validate this de bt, 3 se perate times. No one will send me validation of this debt, I tried to call the company  XXXX  Bank that initially held this debt and they said they have nothing on file for me. Neither the credit bureaus nor the creditor has sent me any proof of this account. Not only that, but the initial creditor told me they held no debt for me. I am not getting anything resolved with the credit bureaus nor the creditor and they are violating my rights by not verifying/validating the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 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: VA

Complaint narrative:
XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was aroun d 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by remov ing it ( only t hey added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help

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 2017-05-31 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: VA

Complaint narrative:
XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was  around 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by removing  it ( onl y they added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family in to our 1st Brand new home. Thank you in advance!

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 2017-05-31 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: AL

Complaint narrative:
I NOTICE ON MY CREDIT REPORT  XXXX   XXXX  NEVADA ADDRESS AND I NEVER LIVED IN  XXXX   XXXX  NEVADA. I DO HAVE FAMILY IN  XXXX   XXXX  NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE ISSU ED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL  XXXX  EXPERIAN,  XXXX ,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   THESE ARE NOT MY DEBT. NEVER LIVED IN  XXXX   XXXX  NEVADA.   PLEASE ASSIST

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 2017-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Over the past two weeks I have contacted : XXXX XXXX ( a Capitol One service ), Capitol One, and XXXX ( who provides the service information to Capitol One ).
This complaint concerns XXXX XXXX reporting, the failure of Capitol One to address the complaints, and XXXX for failing to provide the correct information in a timely and reasonable manner.
I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT Capitol One - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and XXXX  fails to act on the deletion.
I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months.
In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %.
I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
To the attention of Specialized Loan Servicing : #  XXXX  After man y attempts to resolve the issues that have been submitted in prior complaints, there has been no effort or attempt to investigate or look into the issues we have brought to the attention of Specialized Loan Servicing ( SLS ). I have informed you that these documents alleged to be my loan agreement are not the papers I signed at any time. So it stands to reason you have no authority from me or my wife to be collecting o n papers I did not authorize.   PLEASE NOTE TH AT ALL PAST, PRESENT AND FUTURE PAYMENTS ARE MADE AND HAVE BEEN MADE TO PROTECT US FROM HARM AND ARE MADE UNDER PROTEST AND WITHOUT PREJUDICE.

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 2017-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My  Auto Lease  payment was due on   X/XX/2017    . I made my payment early on   X/XX/2017     in the amount of {$560.00}. I used the link when I log into my  GM Financial  account, selected payment options for Credit Card, clicked on the link for  XXXX   XXXX    XXXX   XXXX  . When I click on the link from there website It ask me to enter the Bill Payer, I entered  GM Financial a nd a drop down came up to sele ct GM   Financial Leasing  or  GM Financial (  I have a lease ). I enter in my account number  XXXX , continue to enter my payment amount {$560.00} and  XXXX   XXXX  confirms the payment and I paid same day service  2-4  hours.  <P/> After I get my payment conformation via  XXXX   XXXX   XXXX  numbe r M  oney Transfer Control Number  [ MTCN ] is :  XXXX   AUTH CODE  : Conformation #  XXXX  I contacted  GM Financial  several times asking them if they received my payment, I keep being told no payment received. On  XXXX  I finally spoke with a Supervisor name  XXXX  on  XXXX / XXXX /  XXXX   and I did  a 3  way call with  GM Financial  and  XXXX   XXXX . The  XXXX   XXXX  representative verified with Supervisor at  GM Financial  that my payment was accepted with  GM Financial  on  XXXX / XXXX /  XXXX  , so now its up to  GM Financial  to apply my payment to my account. The supervisor said he would send this info over to their payment processing department so my payment can be applied to my account.  <P/> Today   XXXX     I check my online account and I still see payment has still not posted. I contacted an online chat rep with  GM Financial, an d the chant rep said the payment still not received. And they will expedite a request with their payment processing department.  <P/> At this point this is taking too long to apply my payment to my account, my Credit card has a posted charge deducted for the payment and  XXXX   XXXX  has confirmed the payment on same date   XX/XX/2017     and  GM Financial  has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.  <P/> I am requesting that my payment be applied to my account effective immediately dated   XX/XX/2017    , and report my account with all  3  credit bureau s ( Paid on Time, Never Late )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. <P/>My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. <P/>Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas 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 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern, On Sunday  XXXX   XXXX  I reported to Chase Bank that my card had been stolen and fraudulent transactions had occurred without my authorization. The transactions that were a result of my card and pin number being compromised are detailed below : ATM DEBIT  XXXX   XXXX   XXXX   XXXX  - {$500.00}  XXXX  POS DEBIT   XXXX   - {$850.00}  XXXX  POS DEBIT  XXXX  - {$850.00}  XXXX   POS DEBIT   XXXX  - {$28.00}  XXXX  ATM  DEBIT    XXXX   - {$42.00}  XXXX   POS DEBIT   XXXX  - {$58.00}  XXXX  The last authorized transaction I made was at an ATM withdrawal for {$100.00} at  XXXX  at  XXXX   XXXX   XXXX   XXXX . That was the last time I saw and used my card, from that point on I was unable to find my card. I woke up and found that my card was missing from my wallet, looked around some, then checked my account to see the balance. Once I saw that unauthorized transactions had occurred I called chase claims immediately.   When I called claims I was incredibly distraught and overwhelmed by my account having been compromised and drained of all funds. I provided information to Chase claims based on what I assumed had happened with the card. My card was lost and somehow the pin number was compromised without my consent or authorization, so I subsequently filed a police report with  XXXX  PD regarding the illegal activity.   Chase Bank denied the fraudulent claim based on the information I provided them the morning of finding out my card had been lost. They believe that I gave consent and authorization for these transactions by giving my pin number to someone and then that person then making every charge thereafter which I disputed the following morning as fraudulent, when in reality, I was with someone at the time of my last ATM withdrawal, but this does not dictate that this person was absolutely the one who somehow retrieved my pin and then made the following transactions as cited above. Chase denied my claim when under the circumstances I should have been protected against this case of fraud because I did not make or authorize any of these transactions, nor did I give away my pin number with consent for someone other than myself to make transactions on my behalf.  <P/>  Chase  claim # :  XXXX  Checking account # :  XXXX   XXXX   PD   Debit Card fraud c ase # :  XXXX   XXXX   PD  Lost Property case # :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my fam ily into our 1st Brand new home. Thank you in advance!

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please  correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family into our 1st Brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have asked numerous ti mes for Capio to  send me the proof that these  XXXX  items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 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: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I applied online for a payday loan with CashCentral.com on  XXXX   XXXX ,  2017 . I have the legal right to cancel the online loan request within 3 days. I did not receive the funds until  XXXX   XXXX ,  2017  on the same day I faxed a written Noti ce of Cancellation  t o Cash Central to end the transaction withdraw their funds w/no interest. I faxed and emailed Cash Central a gain on  XXXX   XXXX ,    2017  to withdraw only the loan funds without the interest because I requested cancellation of the transaction on  XXXX   XXXX ,  2017 . I have confirmation of the written communications.

Company response to consumer: Closed with explanation