vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have information reported on my credit from Portfolio Recovery Associates for an incorrect amount. When I called the original creditor XXXX XXXX  for XXXX XXXX Visa they advised me that they did not have any records of an amount I owe, they just stated to call Portfolio Recovery Associates. So if they original creditor advised over the phone that they do not show how much I owe. How is that Portfolio Recovery Associates can report to my credit? And now they have some attorney 's office XXXX XXXX involved as well. When I called Portfolio Recovery Associates they would not provide any info other than XXXX XXXX which is another debt collector. So you have a debt collector trying to collect for another debt collector.. XXXX XXXX are stating they can provide proof of the debt only, but not the original contracts or statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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:
I checked my credit report and noticed a XXXX card reporting that I never had someone is using my 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 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: VA

Complaint narrative:
This is the second complaint I've had to report for the same issue. Previous complaint was never truly completed. The company made less calls in XXXX and XXXX, but calls began increasing in frequency again. 

Each time, they ask for a man who has never been associated with our business. 
When we ask what phone number they dialed ( our phone number ), they response, " I'm sorry, I can't give out that information. '' On XX/XX/19, I spoke to a manager, XXXX, and she assured me that our number would be removed permanently. Call ceased for a few days, but started back up again the next week. 

I have spoken with 4-5 managers in XXXX and XXXX. Each one was kind and apologized greatly and promised to remove the number. However, the calls kept being made. 

The last manager I spoke with on XX/XX/19, XXXX, was very rude and did not listen to my concern and frustration. She said she would submit our number for cancellation to Customer Services, but was unable to rectify the problem over the phone. When asking for her manager, I was told they were in a meeting. 
This needs to be rectified right away as the problem has been continuing for over six months!

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
i received a call from some Keynote consulting ( XXXX ) few days. they were talking about some debt of XXXX XXXX or XXXX who seems to be in XXXX XXXX IL and i have seen this doctor in XX/XX/XXXX, what? Since XXXX XX/XX/XXXX on wards I am living in XXXX XXXX XXXX. 
Yes I had lived in XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX in XXXX XXXXXXXX XXXX and there is a possibility of myself seeing this doctor. But i don't remember something so far back. 
Today they ( Keynote consulting from XXXX ) called me back once again. They are very rude people and constantly threat that they will XXXX up my credit report. They were telling me that they had sent the bill to my old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX but i don't live there since XX/XX/XXXX. When i requested them to send the bill to my current address they were not ready. Later when i called back again, they gave me hard time. Later supervisor told me that she will send it to me but credit agencies will be updated also. When i asked for details - the date of service seems to be totally wrong. I had insurance at that time and i have no idea why insurance should not be covering it? Moreover if insurance is not covering something, the doctor 's office should simply tell the patient and let the patient decide what they want to do?

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I noticed that I had a collection on all my credit reports. I sent the company a debt validation letter in the beginning of XX/XX/XXXX. I have called them to see what the status. They keep telling me they are working on it. These people need to remove this entry from my credit reports ASAP.

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 2019-03-25 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: TX

Complaint narrative:
showing paid off accounts as collections either FCRA violation or FTC b/c these accounts are inaccurate 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 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have had these two student loans for 15 yrs. First with XXXX, XXXX now with Navient and each time it changed hands I owed more and the balance hardly moved and I have been paying on them for 14 yrs., because the first year after graduation I did a deferment. I  feel they have steered me toward repayment programs that make me ineligible for government loan forgiveness programs. I do work for a XXXX XXXX XXXX, but each time I have called over the years asked questions as to why my balance never seems to go down or that it doesn't go down enough or when the financial institution changes I own more money, If this was a car loan with & .25 % interest it would have been paid off already years ago. No one can answers my questions. I have a daughter who is now in school and with my loans on top of living I can't afford to help her out and it is still putting my debt to income ratio in the hole, so I can't even sign for her student loans. This is ridiculous, had I known I would have never went back to school to try to better myself, it's just not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding has been trying to collect on alleged debt. I have sent letters and requested information. That no one with first hand knowledge has been able to answer. Yet, LVNV Funding keeps popping this alleged debt around from one collector to another. Resurgent capital services, seems to be one of their favorites. With doing so I believe they are hoping Ill drop the ball and not dispute. This has been happening for months. This might be border line illegal tactics to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I initially called on XX/XX/2019 to inquire because I was not allowed to make transfers from the account or pay bills. They told me the account had been closed for over thirty days. I was never notified of this. And beyond that, the account was still accepting and notifying me via emails of accepted deposits indicating that the " funds were successfully deposited and would be available on XX date. '' ( over 6 deposits were accepted ). I have all of these emails from multiple deposits. I was never able to access these funds and it's now been over 18 days since I started this process of getting my funds -- and I still can not access my business funds. They initially told me to file new paperwork to change the business address as they couldn't send my funds to a personal address. I am a single member XXXX so that doesn't seem right, but I obliged. I've sent that same form multiple times ( over four times ). Each time I call about it I get a different reason why it hasn't been viewed, i.e. " we are still reviewing forms from XX date ( usually a date over 2 weeks prior ), and when we get to it -- it will then be 7-10 days until we can process. '' I was told last week that " it wasn't legible '' ( although I could clearly read it from the same email attachment ), and so I sent it again in a PDF form which they requested. Here we are yet again over 7 days later and no response, account still showing open online, and my funds have not been moved from the account. I'm a small business owner and I can not live, can not pay bills, can not pay clients with all my money tied up in Capital One Spark Business site. Right now I've been on hold since XXXX, and it's XXXX now. Still on hold. This is every time you call. And when you do get somebody on the line they have an excuse or another reason that it's going to take an additional 7-10 days to even get something reviewed. I can not wait any longer. I need to pay bills and my other account is now experiencing fees from overdrafts, negative experiences with clients that are not able to be paid, inability to keep trade services on which is how I run my day to day business, etc. So I'm out additional monies on top of the funds they are holding of my business and clients. I filed a complaint with the FDIC and they referred me to you. I'm just hoping someone will help me. I'm in an extremely bad situation and I don't know what recourse I have. Thank you. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Penn Credit Corporation
State: CT

Complaint narrative:
On Sunday XX/XX/2018 I received a call from Penn Credit Corp at XXXX. Which is a debt collector attempting to collect a debt in the amount of {$800.00}. On behalf of the energy company XXXX, whereas I also feel and know I don't owe that much due to service being for short period of time. I'm filing a complaint because this isn't the first time Penn Credit Corp attempted to contact me on a Sunday. Not to mention the automated recording asked how would I pay the debt, and if I would like to contact them during business hours. Stating they weren't even open if I wanted to discuss the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
I've checked my credit report and came across the company. I've never done business with nor had an account with this information is fraud and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account accounts resolution serv. on my credit report and I have contacted all parties Accounts resolution, XXXX of TX, even the alleged hospital XXXX XXXX NO one will respond to my request not one company this is fraud even the balance changed enclosed are documents that accounts resolution XXXX of tx, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now over 1500 dollars all documented in case file just what ATTNY GEN is after PLUS the HIPP violation Account Resolution has committed<alleged debt bal increase out of the blue>

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received a collection letter from Transworld systems I never herd of this company. They are stating that I owe {$1000.00} in XXXX XXXX tunnels tickets. This is untrue., This company has not shown me any tickets or passing. I always pay my tolls cash if I did not have an active easy pass I paid over 200 XXXX XXXX  money in XX/XX/2018. This company has found some time of balance with someone and charge me with it. I do have or presumed to have had a balance with XXXX XXXX for {$40.00}. 

I demand this be discarded and this accusation be dismissed I do also believe this company should be fined for false documentation. 

This collection agency is a fraud persone who to contacty XXXX XXXX XXXX This company has a charge repeated over 22 times and they have no lic plate # I did not have a car during this time where did this come from what state and how where this is not true what car what year!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation
State: GA

Complaint narrative:
I received a letter from Global Credit Collection and I do not agree with this balance. When the car was picked up XXXX XXXX XXXX , XXXX informed me that I wouldn't owe a balance Now 5 years later I'm receiving mail from Global Credit Collection stating they are collecting on a balance for XXXX XXXX, XXXX This is so wrong and incorrect on many levels. I do not owe any money on this account. Please have this company stop harassing and threatening to obtain a judgement against me. I will take legal action myself if they keep harassing me over a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XX/XX/2018, Capital One sold my mortgage and my HELOC to two different loan servicing companies. In XXXX, I received 1098 tax forms from both loan servicing companies. However, these only reflect one month 's worth of interest payments. Capital One has not provided XXXX forms for the 11 months that they were my  loan service provider. I looked online for my tax forms and they were not available. I called Capital One customer service and they said that " Capital One has chosen to exit the mortgage loan servicing business '' ( yes, I knew that already ). They said that I could write to the former address to which my loan payments were sent but they expressed doubt that they were required to send me any tax forms. I can not seem to find a human at Capital One who thinks it is their job to send me the tax forms that are required..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I wondered why my balance was not going down. I know I have a large balance, but I have been paying {$600.00} plus payments for months. I looked at the back of my statement to find that I have been charge for XXXX protection plan. The charge was {$210.00}. I called Citibank and they referred me to XXXX. I call them and told them to stop taking out the payment. I asked them when I agreed to this plan and they told me XXXX of XXXX. I do not recall ever signing up for this program. I called XXXX again and asked them to send me some kind of paperwork where I agreed to this plan and I have yet to receive any thing from them. This was the end of XXXX XXXX. I have been charged for this protection and I know I didn't sign up up it. I was paying so much that I was not going to add to the payment.

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 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Security Auto Loans, Inc.
State: NC

Complaint narrative:
Came to a settlement amount, paid settlement amount in full, still showing original amount owed and account in default

Company response to consumer: Untimely response
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Payment made on XX/XX/2018, in the amount of {$200.00} and payment made on XX/XX/2018, in the amount of {$460.00} were both applied solely to the interest of the loan and not the principal. When I made the payment I asked for the money to be applied to the principal, the teller in the bank said they had no control over what the payment applies to and to call the 800 number. I contacted the 800 number and was advised that I could not pay on the principal and had to apply the payment to the interest. After speaking to multiple people, they all told me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My loan servicing company ( Specialized Loan Servicing or SLS ) failed to pay my taxes from my escrow. The taxes were due on XX/XX/19. I called them on XX/XX/19 to ask why they haven't paid my taxes. They said they would open a case and to give them 10 days. I called 10 days later and they said they paid them. We are almost one month after my first call and they say they have paid the taxes. Also, there is now a late fee. Even if they did pay the taxes and " the check is in the mail '', there's still a late fee. If the late fee isn't paid, I'm still delinquent. SLS is now saying it will take another 10 days to investigate. I'm nervous and stressed. It feels like they are giving me the run-around. Their phone number is 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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of 2012 I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be on my credit report.

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 2019-03-25 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Currently on all XXXX and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.

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