vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Amsher Collection Services  is attempting to collect a debt that they claim I owe to  XXXX . My account with  XXXX  is current and I do not owe them {$1500.00}, as  Amsher  is claiming. Amsher does n't even have a file number for this alleged debt.  Amsher  has not sent me correspondence or invoices in attempt to collect this alleged deb t. Amsher has ne ver contacted my by phone, email or mail with regard to this alleged debt. The only reason I know  about Amsher is  that I just happened to check happened to check my credit report last week and saw that they had placed this account on my credit report. They claim that it 's been since  XXXX   2017  but I have never received anything from 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 2017-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
2 credit card are liste d on my credit report that I never opened or used.   XXXX   XXXX  . opened on    XXXX   XXXX   XXXX   balance {$310.00}.    XXXX   XXXX  opened   XXXX   XXXX     balance of {$12000.00}. neither of these accounts are mine.

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 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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 2017-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/XXXX I signed up for the luxury gold card. The company offered an scra benifits that waived all fees ( including the annual fee ) and gave me 0 % APR on all purchases. In XX/XX/XXXX I heard of friends trying to get the same deal but the company stopped offering it. I spoke with a representative and was ensured that I was grandfathered in and my benifits would not change. In XX/XX/XXXX I received a letter stating that I would be forced to pay the annual fee in XX/XX/XXXX all other benifits would remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass b ank has n't sent my transaction update for the  XXXX  and  XXXX  to a third party app I use on my mobile device. I called th em n  seems as if there 's nothing I can do but sit here and wait for the unknown. It 's be en two weeks th ey have n't sent out my bank info in times of need.

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 2017-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After a recent review of my credit report I noticed that there are  inquiries ( aut omobile dealers ) that I did not authorize. I contacted  XXXX ,   XXXX   and Equifax of this issue on m ore than one occasio n and to date still no resolution. I am aware that inquiries are to tell if you qualify for an account and I have no current account regarding an automobile with none other than  XXXX   XXXX  and  XXXX . As a consumer I am disappointed in the fact that this could not be resolved directly and I was left to file this formal complaint. Please remove all automobile inquiries exce pt the two m entioned prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK
State: MO

Complaint narrative:
I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
In  XXXX  or  2017 , I contested an item on my credit report that was reported as collection by  Collection Bureau of FWB.  It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for   XXXX   XXXX   XXXX   for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from  XXXX , was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into   XXXX   online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: AZ

Complaint narrative:
I began contacting them and submitting info for the IBR in XXXX once completed school. I had been placed on an IBR with the understanding after so many payments it will be forgiven. I was n't ever advised that consolidating the loans be in my best interest at any point. When I became employed with a XXXX XXXX and the public service forgiveness was available I contacted again to see whether it be benficial to consolidate ( in XXXX ) and even though the forgiveness is sooner I was advised that it not be in my best interest since I was already three years into the forgiveness of the traditional forgiveness. It has not yet been approved for the public service forgiveness but it has been filed and the consolidation has been completed. I was able to have two years out of the way already had I not been stirred in the wrong direction in XXXX but either way am having to start the forgiveness period over since doing the consolidation ( in XXXX ). I was not ever advised of the best route to take since graduation with high interest loans have increased by XXXX. XXXX XXXX had been original loan serviced and is now navient. I also have found that even though XXXX XXXX XXXX claims to be credited university having a career in the field in which I attended college has not happened. So many things here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I file 2 comp laints within    2017  with  Ad Astra Recovery Service within  the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and  credit score. I   also file a complaints via the Better Business Bureau on   XXXX  17   and Ad  Astra Recovery Service r efuse to remove the account and also on  XX/XX/2017   . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with  Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On    XXXX   XXXX   XXXX    and in   XXXX   XXXX   I notified  Capital One  that the balance they were/are reporting for account is incorrect.      Capital One fil ed a  XXXX  notice with the IRS in  XXXX  declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my  XXXX  tax return.     Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that  Capital One  is reporting to the credit bureaus, and also being over credit limit.     I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also  Capital Ones  various FCRA violations in the handling of this account.     They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I used TD bank to provide a mortgage ( 75 % ) on a coop in the upper east side of  XXXX . At the end of  XXXX , TD provided a rate lock-in at 4.125 % for 60 days. The process of getting a commitment letter from TD ( so that it could go to the board ) took forever, Each request for info was provided within 24 hrs, yet each time it went back to the underwriter, and another set of documents was requested. Even the appraisal process was drawn out. The appraisal was done on  XX/XX/XXXX , yet the appraisal was not approved by TD for another 11 days. There is a term for this -- Moral hazard. The bank gains advantage in rate lock in fees if it delays the processing. It took TD almost 6 weeks from the initial rate lock in at the end of   XXXX   to the time they issued the approval letter that I needed for the coop. By the middle of  XXXX , it was clear that signing would not occur by the end of the lock in period, so I emailed my mortgage broker at TD a request to extend the rate lock-in period at no cost, because of the extenuating circumstances. He replied that he would look into the matter, and sure enough a few days later the documents from TD showed an extension of one month ( end of  XXXX  ).
<P/>
At closing, I was surprised to see a rate lock in charge of over {$2000.00}. This corresponded to 6 periods of 5 days, each at {$340.00}. The signing took place on  XX/XX/XXXX , and TD did return half the amount. My position is that it was the result of slow processing by the bank that caused the need for a rate lock -in extension in the first place, and that if I ask for a no cost extension, and it is granted without specifying that indeed it would cost me, then this is not correct. Not saying " No, this will cost you '' and then providing the service is equivalent to consenting to my request.
<P/>
An example of moral hazard in this context is available at (   XXXX   XXXX   ) :   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have requested verification and validation per my right under the FDCPA section 809 a and b. This is your direct dispute. I am demanding proof of this debt. I have never had  XXXX . My account number  XXXX  according to the inaccurate information on my credit  report.. My  address is  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX  This company collection practices are very abusive and deceptive as well. Trying to talk to anyone is a nightmare and they are very rude and hateful. I am aware I can seek actual and statutory damages against you and your client. If I must file a civil lawsuit I will to protect my rights. As I am sure I am not the only consumer whose rights has been violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a bankruptcy being reported   XXXX  2010  .  this information is not correct.   I confirmed that the bankruptcy court does not report to the credit bureau

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 2017-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
On  XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00}  ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.

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 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: WI

Complaint narrative:
I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.

Company response to consumer: Closed with explanation