vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Access to account by third parties without use of confirmation sent via cell phone in their possession.

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 2019-02-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC
State: VA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XX/XX/XXXX to make the full payment as requested by the legal demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I contacted XXXX XXXX  on XX/XX/2019 at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XXXX to make the full payment as requested by the legal demand letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase closed HELOC when the housing industry bombed in XXXX with no notification. Balance was about {$40000.00} limit {$50000.00}. Was paying interest only, apply extra to the monthly payment which was about $ 150- {$160.00} ; interest rate was 4.01 %. Filed Bk XX/XX/XXXX discharged XX/XX/XXXX, did not include in Bk because daughter on loan and she was not filing. Have never missed a payment since the opening of loan been through Bk. Continued to pay interest payments. XX/XX/XXXX rec call from Rep, it has been 10 years need to start paying principle and interest. Monthly pmt increased to {$330.00} interest rate was 4.26 %. Was told the interest rate would not change, payment would not change because credit limit was closed. Continued to make payments and started to see interest rate increase..XXXX rate would go up and down but XX/XX/XXXX rate was increased to 5.26 % pmt {$360.00}. Called and they would not talk to me because I had filed BK but the rep talked to me to increase the payment. Emailed about the increase to response, had daughter call, XX/XX/XXXX left message to return call. I had called and finally rep would speak with me XX/XX/XXXX and would call back, no return call, XX/XX/XXXX wrote an email accusing Chase of predatory lending they sent me a copy of my contract from XXXX. No response to my direct questions of increase interest rate. Sent another email, rep called this time and all he could say you signed a contract, no explanation to reasoning, nothing. Got of the phone with him which I think was XX/XX/XXXX and again accused of predatory lending because Chase increase the finance charges every other month if not every month so the finance charges eat up any principle balance and requested an amortization and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a alert there was a American Express card was applied in my name and I didnt apply and neither nor use this card and I contacted American Express and they put this account in dispute and it was denied 2 weeks later and holding me responsible for this account ending XXXX and there was also payments been made on this account and they dont belong to me and I ask American Express to reverse these payments back to the original owner and they refuse and told me they will look into it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CF Funding
State: TX

Complaint narrative:
Trying to see what's going on

Company response to consumer: Untimely response
Consumer complaint received 2019-02-05 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: AZ

Complaint narrative:
XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and transunion. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

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 2019-02-05 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: AZ

Complaint narrative:
XXXX is inaccurately reporting on 2 accounts on my credit reports for equifax, XXXX  and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: AZ

Complaint narrative:
XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, experian and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

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 2019-02-05 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
American Honda Finance Corp is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact American Honda Finance and all 3 credit bureaus about the inaccurate payment history on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.

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 2019-02-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.

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 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have two different capital one accounts. Both are reporting incorrect information on credit bureaus XXXX XXXX and XXXX. Plus it is showing both accounts as closed when I repeatedly contacted capital one and made payments repeatedly in effort for it not to be closed. I am surprised to see the misinformation on both my accounts with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: OR

Complaint narrative:
I NEVER APPLIED FOR XXXX THIS IS NOT MINE XXXX/XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : Paid Monthly Date Closed : XX/XX/XXXX High Balance : High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : CLOSED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Amount Paid {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Rating OK OK OK OK OK OK OK OK OK OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1000.00} Date Updated : XX/XX/XXXX Original Amount : {$1000.00} Original Creditor : XXXXXXXX XXXX XXXX  ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I HAVE XXXX XXXX XXXX XXXX THAT WILL TAKE CARE OF THIS XXXX   XXXX XXXX NUMBER SHOULD PAY THIS ACTIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am an American expatriate living in XXXX XXXX and working for a XXXX XXXX XXXX. My employer recently changed direct deposit policies so that the balance of my monthly pay was sent directly to my XXXX bank account rather than my U.S. bank account. Knowing that this change was about to occur, I set-up international wire-transfer instructions with XXXX XXXX XXXX XXXX  ( XXXX ), and sent a test transfer to to XXXX XXXX, XXXX to ensure that my data was correct. Within 36 hours my test was successful and I was confident that I had provided proper information to the bank. When my salary was deposited into my XXXX account on XX/XX/XXXX, I utilized the wire-transfer profile I had previously set-up and wired the balance of my salary to my Chase account. It is now XX/XX/XXXX and my wire still has not been deposited into my Chase account. I have contacted XXXX and paid for a trace on the transfer, which they performed and confirmed was received and acknowledged by Chase Bank. Chase Bank still denies any knowledge of the incoming transfer and my full monthly salary is still missing. I filed a complaint here with the XXXX XXXX XXXX XXXX but their government has confirmed what my XXXX bank claims. I filed a complaint with the FDIC against Chase and they referred me to CFPB, which is why I am here. All of my monthly bills and debts are now being deducted from my Chase account, and the account is currently overdrawn by over {$2000.00}. HELP ME PLEASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I repeatedly reached out to XXXX XXXX XXXX XXXX for the removal of a small medical debt. I provided payment and given multiple letters showing it removed and being deleted from credit report. 2 months later it is still reporting as a collection account unpaid. I have the cashiers check from my bank saying it was processed. I am very disturbed that XXXX XXXX XXXX XXXX would not at least show the debt as paid or remove it from credit bureau XXXX as promised in WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
repeated attempts to get correct information on my credit reports XXXX, XXXX  and XXXX. I have made payment on XXXX XXXX XXXX account that is associated with Eastern Account system.I have made payment and want account from credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have a delinquent mortgage derogatory mark on my account. The account I had was with XXXX XXXX XXXX. It was then sent to Midland Credit Management ( XXXX  XXXX XXXX  ) with a balance of {$860.00} which paid in full before the requested date of XX/XX/XXXX. The original charge off date was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF XXXX XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXX, Plaintiff, vs. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Defendant Case No. : XXXX REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL I am the defendant XXXX XXXX appearing pro-se. I have been unsuccessful in trying to obtain an attorney because I am XXXX. I only have enough money to live on and pay my monthly bills. 
XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX, AS TRUSTEE, IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SELECT PORTFOLIO SERVICING, INC. Do not have any rights to XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. The only bank that have rights to my home is XXXX XXXX XXXX XXXX XXXX because I have a home equity loan with them. 
I paid for my home when I got a settlement from my workers compensation case {$81000.00} after my attorney fees XXXX XXXX. I paid XXXX XXXX XXXX XXXX. on behalf of Select Portfolio Servicing. The New York State Attorney General is now involved and XXXX XXXX XXXX XXXX XXXX because I am a XXXX XXXX XXXX XXXX. The have labeled this a scam and they are requesting information. The New York State Attorney Generals Office told me to ask the Plaintiff for this. I expect this to be supplied to immediately. They are going to investigate it again because XXXX XXXX XXXX took my money. Attorney XXXX XXXX never responded to my emails. When I called her, she told me I had to send her a letter. I am asking the court to make her, and her clients provide what I need so the New York State Attorney General can investigate this case again. Please see attached email request for information. 



1. Names and History of Banks That Claimed the owned the Mortgage? 

2. Who is SPS currently servicing for this Mortgage? 

3. Names of All Attorneys Used To Try to Foreclosure On Mortgage? 

4. Note?

5. Rider ( s )?

6. Mortgage/Deed of Trust?

7. Truth in Lending Statement?

8. HUD-1 Settlement Statement?

9. Verification of Mortgage?

10. What was XXXX XXXX XXXX Fee? 

11. Proof of Monies collected by XXXX XXXX XXXX Firm? 
XX/XX/2019 Defendant Pro Se REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL - 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX***

Company response to consumer: Closed with explanation