vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: IN

Complaint narrative:
PLAZA SERVICES # XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2017 Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$700.00} Date Updated : XX/XX/2017 Original Amount : {$700.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Dear Consumer Financial Protection Bureau : I am disputing the collection account noted above. I have never received any communication from this company. I have reached out to the original creditor, XXXX XXXX XXXX asking them to provide documentation of this debt and have not even received a return phone call. 

Under the Fair Debt Collections Act, I should have been given an opportunity to reach out to the collection agency and dispute this debt before it was entered on my credit report. Since Plaza Services, nor XXXX XXXX XXXX, contacted me I did not have an opportunity to validate and dispute this debt. 

Please have this item deleted from my credit report. Once I was made aware of this entry on my credit report, I contacted the collection agency, Plaza Services, and they could not provide me any information over the phone. I asked the representative to send me documentation showing they are authorized to collect and to verify how I owe this debt and they refused. I am seeking your assistance to please verify the existence of this debt and any correspondence this company provided prior to this entry being entered on my credit report. 

It was recommended by the Indiana Secretary of State 's Office to reach out to you for help with this matter as it potentially violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Regards, XXXX 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 2017-09-27 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: GA

Complaint narrative:
Capital one has listed 2 ccrd account in the amount of {$2200.00} twice, reporting from XXXX. Only one account should be reporting, Please have them remove this erroneous, from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: PA

Complaint narrative:
Starting in XX/XX/XXXX I made my final payment on my automobile loan. At that time, my FICO score according to TransUnion was XXXX. I am have not changed or closed any of my three credit cards that I currently have. All my balances are paid off immediately. I have no other late payments of any kind. Student loans have been paid off for over 3 years. Yet, over the past 9 months, by credit score has been steadily declining to the point of being XXXX. I have called TransUnion before, approximately 2-3 months ago. I basically was told to read the " factors affecting my score. '' The only two factors are, lack of recent installment loan information and length of time revolving accounts have been established. 

Like I stated above, I have made no changes to my credit cards over the past several years. The only change would therefore be " the lack of installment loan information. '' What information do they want?? I responsibly paid off my automobile loan and now I am paying the price by getting a significant drop in my credit score?? What options do I have? Do I need to finance another car or take out a student loan? Any insight would be greatly appreciated. Date of birth : XX/XX/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 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery is reporting a collection account to the major credit reporting agencies regarding XXXX XXXX XXXX cable, claiming I owe XXXX XXXX XXXX {$89.00}. I do not owe this. 

I had a 2-year contract with XXXX XXXX XXXX. I paid for the entire 2 years. At the end of the 2-year contract, I declined to renew. I did not have any outstanding balance. A few months after this, I did receive a bill from XXXX XXXX XXXX for approximately {$89.00}. I called XXXX XXXX XXXX and was told the amount would be credited back. Yet, more than a year later, E.R.C. is attempting to collect this amount on their behalf, and reporting to several credit bureaus that I have an unpaid account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: CO

Complaint narrative:
I filed a dispute with Equifax on XXXX XXXX XXXX 2017 about a count the revolving and reporting open when it was closed and paid in full also on XXXX I tried to dispute the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax confirmed that my personal data has been hacked. The only way for me to get a " free '' credit freeze is to sign up for a service that is free for the first year, and then will begin AUTOMATICALLY BILLING me $ XXXX/month after one year. Since it is IMPOSSIBLE to contact anyone at Equifax - I do n't know how I would be able to cancel it after one year ( before incurring charges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NH

Complaint narrative:
Phoenix Financial XXXX called me Saturday night at XXXX about a debt that was already paid regarding XXXX XXXX XXXX XXXX. I informed them that I paid the remaining portion after insurance and they asked for a receipt. I told them I would send one to them. The next day I found this debt on my XXXX credit report. They reported it before even receiving my receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company is reporting that I owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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:
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy 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 2017-09-27 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: GA

Complaint narrative:
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. These are the certified mail tracking numbers XXXX along with numerous of other attempts to remove this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase Loan : XXXX Over the past two months I set up an autopay with JP Morgan Chase on the above referended loan. I gave them the accurate details for the autopay and they continually attempted to take money from my " Savings '' account not my " Checking '' account. The two have the same number and numerous other companies have been cabaple of taking from the " Checking '' account. 

Two days ago ( X/XX/17 ) without any phone or mail notification they Repossessed the vehicle. I spoke with XXXX yesterday ( X/XX/17 ) who escalated to his supervisor XXXX yesterday and was informed that the only option was refinancing and they stated this several times. 

Today I was able to get refinancing from XXXX XXXX and when I was on the Phone with XXXX XXXX she told me that they could not accept the refinancing because they can not bring the account current. 

All in all I would suggest that JP Morgan Chase has been very shady in all of their dealings with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I have been charged over {$600.00} in over draft fees over the last 3 months. 

If you change the order in which the debits occurred from lowest first to highest it would eliminate most of the over drafts. Also many of the debits were less than the fee of XXXX making them no different than triple digit loan shark loans. 

PNC treats all online purchases made with a debit card as ACH which means it does n't matter if you are opted in or out of overdraft coverage, they can decide to cover the debit or not and charge the fee either way. 

All debits made on Saturday and Sunday do not process until Monday morning, which make the mobile banking part of the Virtual Walet pointless. 

NONE of the 15 over drafts I was charged were reversed even though there were circumstances that would warrant doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: WAKEFIELD & ASSOCIATES, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a letter to Wakefield & Associates requesting information they reported on my credit report. It was for " Medical bill '', no company name, in the amount of {$62.00}. They received the certified letter on XX/XX/XXXX. 
They have not provided me proof of ownership of the debt and they have not removed it from 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 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance
State: LA

Complaint narrative:
XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off my entire balance, which was posted as {$360.00}, in XXXX XXXX 2017. I checked the balance in XX/XX/XXXX, and they had billed me {$5.00} in interest for that cycle, after I had already paid it off on full. The explanation I was given was that you have to have no balance for two months straight to avoid being charged interest. What was that {$5.00} of interest based off of since I paid off the whole balance the month before? Did they conceal the real balance in order to continue to charge me interest? At the very least they were misrepresenting the full balance on my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coastal Credit, LLC
State: TX

Complaint narrative:
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with the debt that i owe. This account was a joint account an was paid off years ago. These are the certified mail tracking numbers XXXX that was signed for by a coastal employee, along with numerous of other attempts to remove this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
FHA Case Number XXXX XXXX Home sale closed XX/XX/XXXX. Interest charged by JP Morgan Chase to XX/XX/XXXX.  Expected refund for unearned interest. Bank said no refund due to FHA regulations. 

Loan open since XX/XX/XXXX. 

Looking for interest refund of a little less than {$600.00}. 

I hope to attach copies of the bank payoff statement reflecting interest charged and the settlement statement confirming the closing date. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my previous compliant # XXXX XXXX XXXX called me over a week, because we have time zone conflicts, I tell her email me instead. 
Finally I have to call her and get hold with her yesterday when I take time off work early. She told me she already replied your department, but when I checked today it still show open. 

The email I send to her yesterday and try to copy your office as follow : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX XXXX, I spoke to you today and here 's the statements I copy from XX/XX/XXXX, which proof I have POA since XXXX and XXXX 's accounts open at Bank of America more than 15 years, it never has to get POA appear at statements. 

Your bank mail us statements last month start separating the checking and savings. Instead each month I should get one set statement for each son, I have 4 statements in separate envelops. 

I simply request the following two : Did not want POA show at statement. 
Have savings and checking statement combined each month. 

Please let me know if it can or not? If you can not fulfill my requests, please give me reason why? Any bank regulation states that POA must appear at banking statement as account title? 

Waiting for your reply either by mail or email, do not call because we have time zone conflict.

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 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
starting around beginning of XX/XX/XXXX I started receiving phone calls from a company called Midland Credit Management. this company has called my parents number leaving multiple messages ( I have never used my parents number for my credit applications ). I called and spoke to a representative and explained to them that they have my contact information and that they are to only call the number for me that I have on file and to not call my parents home again. now starting XX/XX/XXXX, XX/XX/XXXX and every other day from then on they have called me and told me they were going to sue me and take me to court. they have now started calling my brother starting XX/XX/XXXX and XX/XX/XXXX 8 to 9 times a day until he finally answered and they assumed he was my husband and stated they are looking for me. I called the company again and told them that they are not allowed to call every family, friend or work to state they are looking for me. I also told the company to mail me proof and documents of the account and balance as to which I have yet to receive. then I was told I was being discriminative towards him because I refused to let him get a word in edgewise and I was very upset over the harassment they are giving my family and friends. I do not know how legally they can look for anyone associated with you and continue to call them and harass them. this company has pushed the limits with harassing calls and threats of suing me. I have done research on this company and they have horrible reviews and they are considered a third party entity. This company should be addressed and shut down for the harassments and threats they have made to numerous people. I refuse to work with a company that can not prove anything about a debt or even prove that they are legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: The CBE Group, Inc.
State: CO

Complaint narrative:
I had a delinquent account with XXXX XXXX XXXX and the account was sent to CBE Group for collections. I sent a payment to the company via money order and the company did n't receive it or denies receiving the payment. I contacted XXXX XXXX XXXX directly  and submitted several payments until the debt was paid in full in XX/XX/XXXX. 

CBE ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX both continue to report the bill as delinquent. On XX/XX/XXXX, I sent them both copies of money orders proving the bill was paid, but the account is still reported as delinquent. 

I contacted XXXX XXXX XXXX, Closing Bill Unit, ( XXXX ) XXXX, on XX/XX/XXXX, and was informed that the account was released from CBE in XX/XX/XXXX, and XXXX XXXX XXXX submitted another request to have my account updated on XX/XX/XXXX. 

I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I offered a settlement of {$1000.00} I turned in the police report, the estimates, all paperwork needed to have a settlement, off a settlement of {$2300.00}. I was told that because I did not have the accident., but the police report showed that I did not or was not at fault. I would like the calls ran because I was told by XXXX XXXX that everything would be fine once all documents were submitted. I find this constructive/ set up, and need actions handled. The car I own was in the accident and we were not at fault. That should not be a reason of denial. I have paid well over the 60 month agreement. These are late fees attached and 2 payments behind. I gave a fair solution were we all would come out on top.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX and XXXX had an account in collection from Fox collection for {$84.00} which was prior to my bankruptcy. I filed disputes with both credit bureaus. XXXX removed the account as they should. XXXX refuses to remove it, even after notifying them that Fox Collection does n't have and has not even reporting this account to them since my bankruptcy! They will not remove it, I do n't feel I should be forced to either pay it to get it removed or get a lawyer. XXXX has been messing up my credit since my bankruptcy, which I 've tried very hard to improve my credit and what 's crazy is that XXXX  even shows my bankruptcy on my report! I 'm so frustrated, please help me with this. Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed the following with Experian several times as the remarks are past the statute of limitations, not verifiable and they do not seem to follow the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Requesting some help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief