vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THE CHARGE OF {$530.00} DATED XX/XX/XXXX DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT! 
CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS INDICATING THAT IT WILL BE REMOVED. I HAVE EXHAUSTED MY OPTIONS IN GETTING THIS RESOLVED WITH THE CREDITOR. MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR. WAS TOLD IT WILL BE REMOVED XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX CALLED EQUIFAX AND WAS TOLD TO REACH OUT TO CREDITOR, WHICH I DID AND ONCE AGAIN WAS TOLD DEBT WILL BE REMOVED IN 30 DAYS. 
XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX store credit card when you pay the bill in full before the new the billing date they put a XXXX dollar fee on your acct because the month before when you paid your bill you did not pay it in full at least that was the crazy explanation the lady gave me over phone. My bill was due on the XXXX and was paid in full on the XXXX but they put this XXXX fee on my bill because of another time, because I did not pay my off my account the month before on the last billing. Its not an interest its a fee. I have talked to other XXXX card holders they have called and companied about this fee too. If you call get the pay off of the card and pay it in full you will get this XXXX dollar fee in the mail. I called and they lady wrote mine off but how many customers are they ripping off on the credit cards. Something needs to be done about a fee that should not be charged for no reason.

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 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
This XXXX keeps calling about 5-6 times a day until XXXX! Wants to sell vehicle insurance and loans. Asking for a XXXX, no one lives here by That name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THE CHARGE OF {$500.00} DATED XX/XX/XXXX FROM XXXX XXXX/XXXX   DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT DONE SO. THE CREDITOR KEEPS SELLING THE DEBT TO A DIFFERENT DEBT COMPANY TO REMAIN ON MY CREDIT REPORT. THIS IS A ISSUE I HAVE BEEN GOING THRU FOR THE PAST FEW YEARS AND CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS SELLING IT OFF TO APPEAR AS IF IT IS A RECENT DEBT. 
MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED THE AGENT WAS RUDE AND ENDED THE CALL ABRUPTLY ONCE SHE INDICATED IT WILL BE REMOVED AND THERE WAS NO NEED FOR ME TO KEEP CALLING XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Good morning, I had a loan modification done back in XXXX. I had lost my business after the XXXX crash and asked fore help. After several months, I was given a loan a loan modification. IT was going quite well since I had a lower interest rate and was able to start paying back my principal. However, I had recently come in to some difficulties this past year and lost my job. I have been struggling to pay but managed some how. Since I have been struggling to find a decent paying job I called my back and asked about help and possible seeing if they would consider another loan modification. When I did this I also asked what my current total payout for my mortgage was at his time. That's when I found out heart breaking information. They said not only do I owe the mortgage that I see on my statement every month but there is also a hefty balloon payment at the end of my term or if I decide to sell my how to get out of my troubles. I couldn't believe it because I was never informed verbally that I would have this balloon payment. The worse part about is that I owe more now than when I first applied for the modification. Its at least {$200000.00} more than what I originally owed. I am very upset and asking how is this suppose to help me when I now owe more than what my original loan was for back in XXXX. It doesn't seem fair when I was looking for help back then to make it worse now. If I want to sell my house to help me with getting rid of the debt and buy something smaller I can't no money in it for me to start over. I am stuck. Please help?? 

Frustrated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I have a PayPal account and they received money into my account, which I have had for several years and placed a hold on the funds. Refusing to give me anything. Other than what I can withdrawal with my ATM card. I requested it be wired to my account and they declined. 
They send a withdrawal to my savings account ( unauthorized ) for over 6k. But continued to refuse to release the hold on my account. 
Violation of RegCC RegZ banking laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
Medical center never sent any communication of amount owed or what services were rendered. Received call from random collector in XXXX AL who did not identify themselves as collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I sent XXXX XXXX a request for validation letter. I specifically asked the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The company did not provide the name and address of the bonding agent for <<XXXX   XXXX>> in case legal action becomes necessary. This claim can not and WILL NOT be considered since they failed to complete and return copies of all requested documents made pursuant to the Fair Debt Collection Practices Act. 

I am requesting XXXX XXXX delete this account from my credit file. Failure to do so will result in legal action against the company. 

Respectfully, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
My credit score dropped almost 75 points and when I got a credit report the only negative was for a collection dept to XXXX XXXX for {$55.00}. The company that reported this was Sequium Asset Solutions fro XXXX, Georgia. I called XXXX  XXXX and they have no record of this debt and I am current with my XXXX   XXXX bill paid through XXXX  XXXX. I have tried to call Sequium but they do not answer the phone. I left a message but they did not return my call. I suspect fraud in this case and this has prevented me from doing a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/2016 purchased a used car from XXXX XXXX XXXX sales ; XXXX XXXX XXXX XXXX  XXXX ; XXXX NY XXXX ; XXXX. This purchase was due to the vehicle we had failed. I was given a subprime loan through Credit Acceptance Corp ; XXXX XXXX XXXX XXXX XXXX ; XXXX MI XXXX. Telephone XXXX. Loan XXXX for XXXX. The paperwork i signed stated New York Credit Acceptance Corp. I was charged 22.99 % interest on a 48 month loan. 
New York State has a limit of 16 % as well as The Federal Government. The total finance charge is XXXX. the payment is XXXX a month. I was told by the salesman i must purchase an Extended warranty to obtain the loan. the cost is XXXX the warranty, which I found out was optional.XXXX XXXX plus Contract CAP XXXX. I cancelled the warranty with XXXX XXXX they charged me {$50.00} cancellation fee, they will not explained the amount of payment anf interest per month for the warranty. The reimbursed me XXXX. I was told my payment stayed the same. But they deducted the reimbursement amount. There is over XXXX unexplained. 
It should be noted I needed 4 repairs to the vehicle, the warranty told me all were not covered.

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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from BMW Financial Services. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX  credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX keeps on calling my cell phone number countless times in a single day. They call me from a local phone number with a different number every time and from a XXXX aswell. I told them that I revoke consent on calling me, but they still call. Ive been having this issue since I first opened an account with them fell behind one payment on furniture and the calls kept on coming. I am very unsatisfied with this company and really regret doing business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My mortgage is with Bank Of America. I requested a mortgage modification several months ago to bring my mortgage current. My modification being processed and there is a property foreclosure sale date set for XXXX XXXX. I received correspondence from the Foreclosure attorney stating the property foreclosure sale date. I have done some research pertaining to the foreclosure statue for Tennessee. XXXX Tennessee Code Annotated T. C.A. 35-5-107 & 35-5-106 states the homeowner is to receive by mail 30 day notice prior to the foreclosure. The Foreclosure correspondence is dated XX/XX/2018. I received the Foreclosure correspondence XX/XX/2018 by mail. 


Please assist me with maintaining ownership of my home. I don't want to loose my Home!!!!!!!!!!!!!

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 2018-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school.

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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my Transunion credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize LXXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.

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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.

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 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
Good Afternoon - Our mortgage was purchased by XXXX XXXX XXXX a few months ago and they have been horrible. My last situation, is as follows. I had sent in XXXX to go to additional principle. It was stated on the check to go to additional principle and it was also sent in with their payment stub stating that the money was for additional principle. I received a statement on XXXX and called immediately. They had put {$2800.00} toward principle and then 2 mortgage payments. This was not as instructed on the stub or the check. I called on XXXX they were to reverse and do it correctly. I called on XXXX and was told it was to be corrected on that Thursday. I just logged into our account on XXXX and it is still not fixed. I called XXXX XXXX, they stated that my request was denied b/c the check was written in the previous month. This was not at all my fault, in my opinion this company is purposely avoiding the correction for their financial gain. This also happened on the previous principle check I had written.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In XXXX XXXX required that I direct consolidate my loans in order to qualify for PSLF. I had previously direct consolidated my loans, but did not have any documentation. I recently found an email dated from XXXX informing me of my submitted consolidation application. As of right now XXXX will only review payments made since my XXXX reapplication. However, I have been paying my loans since XXXX and would like all my payments reviewed to determine whether they qualify for PSLF. I'm attaching the email that was sent to me in XXXX in response to my direct consolidation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 I agreed to purchase two tickets to a XXXX XXXX game for {$250.00} total. The seller said he banked at Wells Fargo and preferred to use XXXX. I did not know anything about XXXX so I logged into my Wells Fargo app and XXXX showed as an option. I assumed there was purchase protection because it was endorsed by my bank and as the buyer stated, why would I use my bank account to do a fraudulent purchase? ". I transferred the money and never received the tickets and the person never returned calls. I immediately called my bank to try to cancel the transaction, they said that they had already sent it and I could not cancel. They said unfortunately because you authorized the purchase there is nothing we can do. There is no use in filing a report with our fraud department. He said I could file a police report if I wished to. If a bank is sending money to another bank, they would have that information. Wells Fargo refused to 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