vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC
State: AL

Complaint narrative:
I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. 
Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. 
To cancel your payment, please click " Cancel ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I had a loan with avant in XXXX XXXX and paid it off in XXXX XXXX. Even after paying the loan off they still took money from my account. I filed a complaint with the BBB and money was refunded. I received a call from them 2 months ago indicating that I owed money on the account which is false. The company has reported to the credit union I am late on a payment. As a Veteran I need assistance in trying to resolve this complaint because the companies fraud is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: IN

Complaint narrative:
XXXX XXXX XXXX is reporting that my account has late payments but they are not reporting it correctly and I have asked for a dispute and Experian did not correct the wrong information. XXXX wrote me a letter about my missed payments and it does not reflect my credit report. They did not report the 1st missed payment and the account has no date listed when it will be removed. The has been going on since XX/XX/XXXX. 

acct XXXX open date XX/XX/2012

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 2017-12-16 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is reporting Inaccurate information on my credit profile. Please delete account immediately This company continues to report inaccurate information to the three credit Bureaus ( XXXX, XXXX  & XXXX ). I have contacted Portfolio Recovery and requested this information be corrected and deleted from my credit file. Some of the errors are as follow : Date opened, Last date of Payment, Amount owed and payment history. Due to this company 's negligence in reporting my credit profile has suffered tremendously. I have made several attempts to correct this with Portfolio Recovery but to no avail. I had a perfect payment history with the original creditor XXXX XXXX for over 3 years. When I originally opened my account I opted to enroll in the payment protection program for an additional monthly fee. I paid this fee every month for over 3 years. Unfortunately I lost my employment the end of 2013 and requested the payment protection be applied to my account. The payments were not made for the duration my contact said they would which caused my account to go delinquent and eventually be charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there. 

I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My check is being garnished. 
1. I have spoken to several agencies and its a dead end situation. 
2. Apparently when I was XXXX years of age ( XX/XX/XXXX) a student loan was taken out with my social security number. I did not take this student loan. 
3. It would have been illegal for me to take out any student loan or to sign a contract at this age. 
4. I have XXXX daughter that have gone off to college and when the paper work came to consolidate my daughters loan we signed the forms only the find out after the garnishment that the consolidation was on a loan that was not even ours. it was for a loan in XX/XX/XXXX that did not belong to any of us. 
5. I have file a policy report 6 I have spoken to a lawyer and now I am filing with the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Without notice, my vehicle loan account with Ally Bank was transferred to a debt collection company on or about XXXX XXXX XXXX. The first information I received about it was a notice from the debt collector, XXXX XXXX XXXX, XXXX, demanding information about my vehicle and for me to acknowledge the debt. I then went to the Ally website and found that my account information had been deleted. I had recently discharged my bankruptcy case however my vehicle payments were up to date at the time I received this notice. I have since continued to send my monthly payments to Ally Bank. To this date none of them have been returned to me and I have received no contact from them about transferring the servicing of XXXX loan.

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 2017-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up auto pay and they refuse to stop calling me even though I called them back today and explained the situation. There is some problem with auto pay even though they have my bank account number and authorized 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 2017-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
transaction id # XXXX {$110.00} XXXX XXXX sphero toy ) was apart of a larger order totaling {$310.00} payment method chosen was " pay after delivery ''. a few days later {$110.00} was debited from my XXXX checking account. this is the XXXX time paypal changed the payment method i choose after the purchase was completed and money came out of my account without notice, warning, or option to choose another payment method. I INSIST PAYPAL REIMBURSES ME {$110.00}. PAYPAL is in error not me. Paypal has no right to take money out of my account without my consent and i will take this further if neccessary.- ftc complaint filed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. 

On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. 

They do say, however, that I should trust them and that there is in fact a contract. 

They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. 

On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. 

I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. 

This is consuming my time trying to deal with this and causing me some distress. 

It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. 

In the mean time, they are negatively impacting my credit. 

I would appreciate your assistance in resolving this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I opened a XXXX XXXX credit card ( serviced by XXXX XXXX in XXXX. I never had a late payment since I had the card. On XXXX XXXX, XXXX, I attempted to use my card to make a purchase at a XXXX XXXX store. At the time, I was told my account had been closed. 

This was a surprise to me, as I had checked my account online before going to make the purchase. I have included screenshots of my online account from XXXX XXXX, XXXX ( you can see the dates in the lower right hand corner ). It clearly shows a zero balance and a {$4500.00} credit limit ( see screenshot # XXXX on the attachment ). It also shows that I have a next statement date of XXXX XXXX, XXXX. 

I called their service number and spoke with a customer service representative. They told me that my account was closed in early XXXX, XXXX. I asked why this was done without notification or warning. The representative checked and confirmed that no letter or email was sent to me to notify me of the closure. They could not explain the account showing as open on the website. They told me I would need to apply for a new account. I told them I did not want to open a new account because that would require a new credit pull, which would be unfair to me. 

I asked to be escalated to a XXXX who told me the account was closed and confirmed there was no adverse action behind closing my account. They refused to open or allow me use of my account. 

I am confused that my account was closed without warning or notification. I am also confused that I was sent marketing material information in late-XX/XX/XXXX when my account had been closed XXXX see screenshot # XXXX, email dated 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 2017-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There was Two charges that appeared on my Credit card on the XX/XX/XXXX,XX/XX/XXXX For Light bill and Cable bill that was paid. On the XX/XX/XXXX I called in notified the company and began the dispute. On XX/XX/XXXX They Credit is back the {$520.00} which is the total of  {$170.00} Light bill and {$340.00} Cable bill.The Company reverse the charge of {$340.00} on XX/XX/XXXX because i had the same cable company. Spoke with the fraud department which gave me a fax Number .To send bill from the cable company to show that My account has n't been as of yet and the amount of the charge an my is n't the same amount. which @ the time XXXX which is a past due of 2 months. Now on the XX/XX/XXXX they sent me a letter saying We have researched your claim and results that this is my charge. So i research myself. They do n't have the account to that was paid with my card. So they ca n't match and assume that the charged is valid because of the company. So I spoke with the Company fraud department again and faxed over the new bill which is then {$330.00}. because it still has n't been paid. It was denied again. I have the bills from the past six months the prove that charge is n't mine and that no payment has been made since the issue has been going on.

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 monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX - I attempted to go onto the XXXX website to obtain my annual review credit reports from XXXX and Equifax. I was able to obtain the online version of the credit report from XXXX with no problem. 
However, when I attempted to get my report from Equifax, it gave me a page that said that " Online Delivery Available - We are not able to deliver your free Equifax Annual Credit Report online ''. There was no reason provided, such as not entering information correctly, etc. Instead, they want me to send them by mail, a copy of my social security card, a paystub with full social security number, or my W2 with a full social security number. I am also to provide a copy of my driver license, or several other forms of identification - EVERYTHIING needed for someone to completely steal my identity. I 'll be damned if I am going to stick this information in the mail where anyone can steal it. Instead of helping prevent identity theft, Equifax appears to be helping it along and doing everything they can to promote identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
When my checking account was opened I opted out of overdraft protection. several times I have contacted the bank and found that the overdraft protection was never turned off. This summer my account went into an overdraft and there were no funds to cover it and they closed my account. had they honored my wishes and the law then my account would never have overdrafted and I would have had my transactions declined.

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 2017-12-16 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: NJ

Complaint narrative:
On or about XX/XX/XXXX, filed debit card dispute with bank. The dispute was improperly coded by the bank as a cancellation, after speaking with XXXX on XX/XX/XXXX at the bank at number XXXX. I was instructed to fax the bank at XXXX and that I could reassert the claim. This was faxed to the aforementioned number on XX/XX/XXXX. It also included e-mail proof from the merchant stating " in regards to the charge back you have initiated with your bank, you will need to work with them to recoup the funds ''. Please see attached letter and proof submitted with this complaint.

Company response to consumer: Closed with explanation