vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
an online account was opened by someone else other than me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Missed work due to a natural disasters and then a c person contacted us from Ocwen mortgage that turned out to be a scammer lost XXXX dollars tried to get a modification or repayment plan or forbearance denied all said they sent out a letter never received so don't even know the reason we were denied they said it was in the letter .now our payment has gone up almost XXXX dollars a month mortgage company says insurance increase but now we have a letter saying insurance cancellation because of none paymen.we our at our ends we don't want to lose our home we have been in for 15 years feel we our being screwed we have just fell on bad times and want to workout a deal please help I don't know what else to do so many scammers out there afraid of them and they say I should not have to pay for modification help thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My wife and I opened an account through TD Bank, NA XXXX Renovate in late XXXX. I began making payments and in XXXX of XXXX made XXXX payments ; which made it so I was paying on the balance a full month before the payment was due. On XX/XX/XXXX a payment was due and I had already paid it on XX/XX/XXXX. I went online to make a payment again on XX/XX/XXXX ( for the upcoming XX/XX/XXXX bill that would be due XXXX and discovered TD Bank applied a {$25.00} late fee to my account. When I contacted the bank, I was told by a representative that as far as the company was concerned, I had just made an extra payment during one billing cycle and they didn't recognize it as paying ahead or paying prior to the upcoming due date. The representative told me if I didn't pay it exactly how they told me to, one payment per each defined billing cycle, then TD Bank would continue to assess late fees against me. The representative agreed to reverse the late fee " as a one time courtesy '' ( their words ) even though, as I pointed out to them, I had not made a late payment and was actually a month ahead on my payments. 

I believe this company is engaging in predatory practices. They are punishing me for attempting to pay off my balance ahead of time and for trying to keep ahead of due dates by paying early. Also, as part of the agreement, it is a requirement I pay the balance by a certain date and with no late payments in order to avoid accumulated deferred interest. I believe TD Bank, NA is trying to use this practice to say I made a late payment so they can then assess all of the deferred interest charges against me and raise my rate from 0 % to the extremely high interest rate the card normally carries.

I have had countless other loans in the past thirty years and have used this same method to pay them off early and to avoid missing or being late on payments ; no other company has EVER told me I couldn't make early or extra payments and they certainly have not tried to assess fees on me for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A company called XXXX XXXX XXXX has been added to my credit report for XXXX, XXXX, and for TransUnion. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my 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 2019-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: STERLING JEWELERS, INC.
State: IN

Complaint narrative:
Kay Jewelers closed my credit account without notice 01/2017. There were no missed payments on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a letter that Experian put a credit alert on my report. I have not lost my credit cards and just left XXXX two weeks ago but I am molested daily with reports on the internet from them and XXXX XXXX. Can the Experian just remove this credit alert as no one wants to give me credit because of this erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
Someone used my info to check into a hospital in 2014 and racked up a huge list of bills for XXXX XXXX XXXX. I've disputed it with the hospital and debt collector but they kept racking on new fees and interest over the years and also published it on my credit report as a psychological institution debt which everyone who runs my credit can see and immediately assumes I have a mental disorder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: NV

Complaint narrative:
In XX/XX/2019 I paid all of the amount due to Bay Area Services where they told me they promised debt would not show up on my credit. I was notified today XX/XX/XXXX, that this debt is showing on my credit. Amount due was paid in full in XXXX. I am requesting action to be taken and this derogatory mark be taken off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
My brand new XXXX XXXX ended up a total loss XX/XX/2015. All payments were made on time during loan term. XXXX XXXX paid value of the vehicle XX/XX/2015. The final balance was {$2000.00}. 

Gap insurance was not paid in a timely manner & now Nissan has marked all of these payments late on my credit report. After numerous hours over the phone, they refused to mark any of the payments on time. 

I would never even consider walking into another Nissan dealership until this is fixed. The loan has been paid in full and I am left to hurt from this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
-Stopped attending university ( XXXX University , XXXX XXXX , XXXX XXXX ) in XXXX of 2013 due to financial and mental health issues. 
-did not graduate -All Federal loans service by Sallie Mae `` sold '' to spin-off company Navient -Could not afford loan payments due to minimum wage income and monthly financial burden -Navient sent emails every 3 months offering to " Resolve your student loan payments '' by replying to emails with the word, " yes ''. 
-Interest ( between 4.5 to 6.8 % for 5 different loans ) has accrued for years without any suggestion to alternatives -interest accrual increases the amount of the loan, and thus the difficulty of paying off such a loan without a college degree-paying occupation -Original loan principle was {$16000.00} total for 5 loans, Now totaling {$31000.00} to be paid off in a 10-year period

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CO

Complaint narrative:
We were the sellers and we were set to close on the house on Friday XX/XX/19. On Wednesday XX/XX/19 the loan officer forgot to have a closing document signed by the buyer, which is required to have 3 business after the signature, in order to close! Tuesday XX/XX/19 was the 3rd business day. We get a clear to close from the buyer but now were told signing wont happen until Wednesday XXXX. So now 3 different families have been waiting a week to close and 1 family has been XXXX this entire time. Does American Pacific care? No!! Wednesday morning comes, we are physically at the signing table, the buyer is not clear to close anymore?!? The buyer sits at the title office for 9 HOURS! on Wednesday waiting for closing paper work. Meanwhile, no one is getting a call back or any kind of communication from American Pacific!  Neither the buyer or us, the sellers. Any communication we do receive is someone passing the buck and blame on someone else. No answers to why these closing documents were not ready or being sent. 5 times this happened!! We demanded calls back. That never happened! Worst customer service in the United States!! We did not close until Wednesday night at XXXX local time and this was only done on Wednesday, because the title company stayed late for us, waiting for these documents. Otherwise it would have been pushed to Thursday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A company called XXXX XXXX XXXX has been added to my credit report for XXXX, Equifax, and for XXXX. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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:
A company called XXXX XXXX XXXX has been added to my credit report for Experian, XXXX, and for XXXX. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my 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 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 I have contacted a agency called Credit Collection Services and XXXX XXXX XXXX advising them that I discovered a account that has been opened as a result of fraud. This agency failed to assist me with any concerns regarding the fraud and account that I requested to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Vehicle loan or lease — Lease
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: Auto Trakk, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX paid off my car with Autotrakk. Information was sent and check was signed for on the XXXX of XXXX. My vehicle has been disabled by Autotrakk on the XXXX of XXXX and on XXXX XXXX.this has prohibited me from getting back and forth to work. I had to leave my car at the airport when returning from vacation which cost me {$45.00}. I have had to pay {$30.00} per day just to get to work and back home. This issue with Autotrakk has been costing me money as well as mental distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. 

When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. 

Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling Portfolio Recovery and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed incorrect information on my Equifax credit file numerous times and Equifax continues to verify incorrect accounts that shouldnt be on my report. XXXX   and XXXX has removed these incorrect accounts with no problem but Equifax is the only bureau that has been gobbling me a hard time correcting my own file. I need these accounts removed. I have attached the accounts thats needs to be removed to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I DID NOT SEE PROPER PRODUCT OR SERVICE TYPE WHICH APPLY TO MY CAUSE. 

1. XX/XX/XXXX my bankruptcy I filed for bankruptcy ( Chapter XXXX ) 2. While my bankruptcy had been in full effect, payments plans had been ordered by the Bankruptcy court/Trustee Office. 
3. I never miss a payment 4. XX/XX/XXXX, I received notice that PNC had filed a Motion to have my Chapter XXXX plan dismissed or discharged 5. I continue to pay my mortgage payments while the lawyer ( supposedly ) forth against the PNC proposed motion. 
6. I continue to make my mortgage payments. 
7. XX/XX/XXXX, I received letter in the mail that my bankruptcy was dismissed. 
8. PNC and trustee 's office mailed back to me my last payments 9. I learned from the Trustee 's office ( have voice recording as proof ) that there was a court date which would have addressed PNC ' Motion, but I was not made aware of it and neither my lawyer nor PNC lawyer showed up for that court date. 
10. Because no one showed up at court, my case was dismissed. 
11. XX/XX/XXXX, I received a letter from PNC that they received my letter to redeem my home and they would get back to me in about 15 days. 
12. XX/XX/XXXX, I was evicted from my home. 
13.XX/XX/XXXX, PNC Mortgage reversed my VERY active bankruptcy back to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My credit card balance transfer checks were stolen and then used without my authorization. I do not know who used it and how they got my checks.

The check was deposited into a Trucking company account that I do not know and can not locate that company either.

My credit card company is now asking me to pay for this fraudulent transaction.

Please help me as I did not use this check and did not authorize it either.

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I received a new auto policy for the year XXXX-XXXX, In the new policy it stated that there were four items that address my new auto cost and why they increased my policy. first of all, I been with this company for over 15+ years. I started in XXXX California and moved to XXXX XXXX 3 1/2 years later. I never been late with my payments or anything else. But for some odd reasons This third party bureau has decided to report Old information, inaccurate information and false information to my Auto insurance company. 
Secondly, I had spoken with LexisNexis consumer center several times in the past and future and told them orally and verbally that I would opt-out with there company and I placed a account freeze on my file. ( FCRA ). And they still provided information to " LexisNexis ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. 

When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. 

Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling XXXX XXXX and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.

Company response to consumer: Closed with explanation