vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Go Capital Holdings, LLC
State: TX

Complaint narrative:
I was coming home earlier this month maybe around the XX/XX/XXXX or XX/XX/XXXXand was greeted at my garage door by a repo man. He stated that he was here to take my car. I told him I paid my payment on XX/XX/XXXX and that I did n't have another payment due until XX/XX/XXXX. He stated that he had been instructed to pick up my vehicle and that he would be calling the cops if I did n't give it to him. I told him to call the Police and we could wait together. I asked him to leave my property ( he was in my garage ) and he declined. I advised that I would be calling the cops if he did n't get off my property. The man got in his truck and sat on the side of my house for about 15mins. The Police that he claimed to have called never showed up. 
The next morning, I called Go Financial they stated that they had been instructed by XXXX not to accept my payments. I was confused because XXXX is a dealership and Go Financial is my finance company. Go Financial told me I would need to speak to XXXX and I was then transferred. XXXX stated that there was a problem with the payment for downpayment. I advised them that due to death in my family there was an oversight. I offered to pay and they declined. They told me I could n't make any sort of a payment on the account with Go Financial. I asked for a supervisor and was told the same. I called back on XX/XX/XXXX and asked for a supervisor and asked if I could make the payment. I re-explained the situation and was told no. I asked them why they were forcing me into default and they stated that they would need my van. I told them I have worked hard on my credit and I did n't want a repo and that I would like to pay. They declined again. To date they still will not accept my payment and they are forcing me into default. I am willing and capable of making payment but they will not take it.

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 2017-08-29 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: FL

Complaint narrative:
My auto loan has been open since XX/XX/XXXX. XXXX has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XX/XX/XXXX 4. Is current and paid satisfactory according to Bank.

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 2017-08-29 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: GA

Complaint narrative:
I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : 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 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: IL

Complaint narrative:
All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this card.

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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
This is still a dispute with the First National Bank of Omaha XXXX XXXX. A police report and FBI complaint are on filed for the fraud committed by this fraudulent company. 

XXXX XXXX XXXX do not owe First National Bank any money. It had all been paid off. Please stop First National Bank of Omaha XXXX XXXX from calling and sending notice on collection. 

This is a fraud scam that I fell on. It is a fraud company offering fraud employment. 
Its been more than six months and this dispute of identity theft and fraud had not been resolved. XXXX XXXX XXXX 's money was stolen and gifts cards was stolen after the bar code where given to them. Payments were reversed either by the bank or the crooks. XXXX XXXX XXXX did not give out any of her credit card account numbers. Therefore, its either a data breach or the credit card company inside jobs inducing debts on its customer with a ploy. 

This is a total fraud scam and a crime induced upon XXXX XXXX XXXX. XXXX XXXX Bank Fraud department can be investigated on the company account. 

That XXXX XXXX Account is not XXXX XXXX XXXX account. It is most probably a fraud account created by fraudulent scammer.

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 2017-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: TrueAccord Corp.
State: TX

Complaint narrative:
We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to AD Astra Recovery Service and their client XXXX XXXX XXXX After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I went to XXXX XXXX on XX/XX/XXXX to search for a HELOC. I was given leads for XXXX XXXX and for Freedom Mortgage. 

I went to the XXXX web site on XX/XX/XXXX and spent 15 minutes filling out their forms to be told they do n't do HELOCs. Annoying. 

On XX/XX/XXXX I received a call from Freedom Mortgage. I asked if they did HELOCs and they said yes. I specifically asked agent XXXX XXXX NMLS XXXX to confirm this before I gave him any information. He said yes. After wasting 15 minutes on the phone with him giving him information, he tried to talk to me about refinancing my existing mortgage, but said they do n't do HELOCs anymore. VERY MISLEADING AND UNETHICAL. 

And both lenders pinged my credit and I believe have taken it down a few points. 

I find both of these lenders to be mis-leading, especially Freedom Mortgage.

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 2017-08-29 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: NJ

Complaint narrative:
all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Liberty Credit Services, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX XXXX from Liberty called XXXX ( me ) at XXXX. I told XXXX I am exempt from you taken money out of my account. XXXX Started yelling & said I am not exempt for nothing. 
I sent Certified copy on my income which is XXXX XXXX XXXX on XXXX/XXXX/XXXX. Recd card showing Liberty rec 'd it. 
Also last year Liberty had my bank account frozen. XXXX when to court in and proved the income was from XXXX XXXX XXXX. Liberty did not even show up for court nor sent the paperwork in to court on what missing paperwork was missing. Judge ruled in my favor. 
Nothing has change. Yet Liberty is taking me to court again. I prove I have am exempt because I receive XXXX XXXX XXXX. 
They should not even be calling me when Liberty has rec 'd the paperwork. 

This is verbal and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

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 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com is requiring me to update some account information on their coinbase.com/ssn screen in order to do anything but miniscule sells in my account. Unfortunately, their system does not recognize my address as a valid address even though it is a valid address of a major apartment complex in a major city in the XXXX. 

I have tried to contact them numerous times since XXXX XXXX with no success. I 've tried via e-mail and via twitter ( both public and direct message to their account ). 

They do not respond, ever. I have seen many others have similar complaints. I fear this is part of a fraud or scam intended to make me give up on selling from my account until they have some excuse to confiscate my funds and use them for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: FL

Complaint narrative:
Experian is reporting XXXX XXXX as an account of mine. It is not my account and was removed from XXXX Credit Report and needs to be removed from this one as it is not mine.

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 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a car from a car lot using a loan from XXXX XXXX in XX/XX/XXXX. About a week later, I paid off the loan with a Chase loan in XX/XX/XXXX. I received confirmation from XXXX in the form of a letter stating that my loan had been paid off and that they would release the lien. I do not have a copy of the letter and as of XX/XX/XXXX, XXXX refuses to send me a copy of the letter, proof that my loan was paid off, or that they released the lien. 

On XX/XX/XXXX, I tried to sell my truck to a car dealership. They agreed to payoff my loan with Chase, but discovered that Chase is not the lien holder and that the previous owners are still the owners of the car. Me and my mother ( the supposed owners of the car ) are not on the title. I called Chase, and they told me that they would obtain XXXX 's lien release, transfer the title from the previous owners to the current owners, and record the Chase lien by XX/XX/XXXX. They never did. They kept asking for more time, extensions, and Chase keeps blaming XXXX for not sending the lien release to them. However, XXXX already confirmed that they sent the first lien release and title to Chase 's XXXX XXXX  in XXXX XXXX, Texas in XX/XX/XXXX. And XXXX confirmed that they resent the lien release in XX/XX/XXXX. 

Chase keeps saying that XXXX has not responded to their request for the lien release, and XXXX says that they have already sent it twice. 

Meanwhile, Chase keeps withdrawing the monthly payments from my checking account despite the fact that they do not have the title, or a lien recorded on my truck. 

Also, I can not renew the license plate 's registration on my truck, which expired in XX/XX/XXXX, because the license plates that are on my vehicle belong to the previous owners since Chase never transferred the title to the current owners ( me and my mother ). 

As of XX/XX/XXXX, the truck is still under the previous owner 's name with XXXX as a lien holder, according to the Texas DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was caught up in a scam that has affected many people other than just me. Below is my detailed account of being victimized. 

I am a US Military Veteran who have been on a job search for the past 6 months including placing my resume on many job boards such as XXXX and XXXX. I was approached via email by a hoax company named XXXX XXXX XXXX explaining how they saw my resume on-line and that I was a great fit for a work at home opportunity with contractual work involving other partnering hospitals. Once I seemed interested they began telling me about pay and health care benefits and the initial step I had to take in order to start my position. Next, I was sent a {$3200.00} through XXXX and was told to spend {$1500.00} on software and equipment needed and money was to be sent via XXXX to XXXX. When I deposited the check I assumed my bank would identify immediately that it was a false check, but the bank accepted the check thus causing us to be assured as well. Flags began to raise in my mind after transaction at XXXX and my looked up the company in detail and noticed that they were a fraud company running a scam. I immediately lost heart because the check was a fraud and I was back at being unemployed and bank account impacted by the situation. 

Help is needed on my family behalf who is suffering due to a fault that I was unaware of. Look forward to your response and immediate help due to now being highly impacted by Hurricane Harvey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Portfolio Services, Inc.
State: DC

Complaint narrative:
I do not have exact dates but in 2014 I had an auto loan with Consumer Portfolio Services. At the time I was not working and was unable to pay my car not and fell behind. I did begin working and starting making payments but before that time they would call 5-6 times a day. The callers were very rude and threatening. I have had to hang up the phone because one caller would n't get off the phone until I gave them a checking account number. They also repossessed the car when I was still catching up on the payments I was behind on. So I feel like if I am giving you payments I should be able to keep the car. Also, the company called 2 of my references and told them both I was behind on my car payments. They were harassing one of my references to the point they became upset. They also told the reference to go find me on social media like, XXXX or XXXX. This issue is currently affecting my credit. Also, the company somehow had my insurance to fix the car because there was a slight dent in it when it was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: AZ

Complaint narrative:
My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.

Company response to consumer: Closed with non-monetary relief