vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
My lease ended with Old National Bank inXXXX Indiana with the payment made in XX/XX/2019. Around or about XX/XX/XXXX I noticed that the lease had a balance of XXXX but the amount due on the next payment date was XXXX. I contacted Old National immediately and was told that this was just their way of  flagging a lease as paid and it would clear up. I then went to the dealership where I purchased the vehicle for the residual value and actually financed it with Old National Bank in XXXX. The vehicle was purchased on XX/XX/2019. Much too my surprise I received a note from Old National seeking to collect a debt with a total amount due of XXXX on XX/XX/2019 mind you the account balance was still listed as XXXX this was the amount that was pad off in the purchase on XX/XX/19. I called ONB again and after being bounced around and actually chuckled at I was told that they did not know what the issue was and that apparently the loan officer messed up the loan process when setting up the new loan. I told them this was not the case as the XXXX XXXX dollar balance was there well before then. I asked as to why the were threatening me with collection of a XXXX XXXX dollar debt and reporting to the CB again I was made to feel like an idiot and told they didn't mean it really???? I was sent a letter threatening me with reporting to the credit bureua and that it would impact my credit rating. Just to be clear this was a collection late payment notice for XXXX on a lease that was payed off with a balance of XXXX that was actually refinanced as a purchase with the same bank ONB XXXX. I asked for a letter stating what had happened along with a letter stating that this was a fradulent collection letter for a fictitious amount and all I got from them was we will look into this and note it on your account. I assume they noted on the account with the over XXXX XXXX dollar balance. Is there a recourse when someone issues a letter for an amount that is millions of dollars over the balance that had been paid off? I fulfilled my obligations to Old National they certainly have done nothing but provide me stress and damage to my credit for no fault of my own this is all on them. I will add the as of this writing the account with a balance of XXXX has disappeared on my list of account via their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
We disputed the charge of {$880.00} and filed a lawsuit at the XXXX XXXX Small Claims Court the case no. is XXXX. The court ruling was in our favor and we do not need to pay {$880.00}. 

The collection agency has reported delinquency in our names and our credit history has been misrepresented. 

We rented XXXX XXXX apartments from XX/XX/XXXX XX/XX/XXXX. We moved out XXXX and were charged XXXX $ as move-out charges by XXXX XXXX apartments owned by XXXX XXXX. We disputed the charges by filing a case in small claims court in XXXX XXXX, California. We had our case hearing on XX/XX/XXXX and the case was ruled out in favor of my husband ( XXXX XXXX ) and me. The court ordered XXXX XXXX XXXX XXXX XXXX to pay us XXXX $ and ruled that we do not owe them anything. 

In-spite of and after the court judgment, the collections reported our account as derogatory. 

I am requesting that the item be deleted to correct the information. Enclosed are copies of the court judgment and the case transcripts, supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OR

Complaint narrative:
My name is XXXX XXXX I was contacted by telephone by an agent of Inbox Loans saying that I had been chosen and approved for a loan of {$5000.00} dollars. I was explained that such a loan would help me raise my credit history. I went ahead and filled out their application online. I spoke with a man named " XXXX '' who understood my XXXX. I was then told that the loan amount I was approved for was {$500.00} dollars. The amount which they asked for in interest shocked me and I did not wish to go through with their proposal. At the agents insistence I was then explained that if I accepted a loan in the amount of {$200.00} dollars my interest payment would be {$45.00} dollars, and that my payment would be {$240.00} due within 90 days. I was explained that this would help my credit score rise. I was explained that I could start off at {$200.00} dollars at the above interest and then in time qualify for a larger loan about 1 year later. I was explained that the term of the loan would be 90 days. I agreed. 

My first payment was at an interest rate of {$60.00} dollars and the contract had been put through for 1 year, not the original 90 days. The company began deducting payments from my bank. I called them to explain that no such agreement was what I agreed to and that they had recorded my calls and therefore should review the calls to see that the error was theirs. Thus began the odyssey of unreturned calls, charges which continually exceed the time frame and interest rate I agreed to. To date the company does not return calls. I have left multiple calls and none have been returned. I have sent them emails and none have been answered. They have damaged by credit file and have extorted money from me under false pretenses. I am asking for assistance in this matter as I speak XXXX  and feel that no one can help me. The company does not respond. It doesn't seem to be a legitimate enterprise and I am very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX. I switched to a much cheaper company in XX/XX/XXXX. I was set up on auto pay with a credit card and always paid my account on time every month. I paid a portion of my final bill while I waited to get my final bill to know what was owed. After a few weeks I went to the website and it showed a XXXX balance. I checked back a couple of times showing the same balance. When I called them I was told there was a XXXX balance so I didn't worry about it any more. Then a few months later I received a notice from a credit monitoring service that I had a collection account. I called XXXX again and they assured me I had a XXXX balance. I then was able to track down ProCollect who said I owed {$300.00}. I called them on XX/XX/XXXX, and they told me that if I paid it that day they would remove the collection from the credit bureau. I paid immediately. Not only did I pay it on XX/XX/XXXX, they didn't report it to XXXX until XX/XX/XXXX, almost 6 weeks later. My main complaint is I was told they would remove the collection from the credit reporting bureaus and they did not! They just reported it as paid. 

My credit history shows a perfect history of paying on times for years. XXXX told me and it was shown on my online account as paid so I could not make any kind of a payment. I never received any notification of a collection until I received a notice from my credit monitoring service. 

I paid ProCollect on the very first phone conversation and paid an amount that wasn't verified other than what they told me it was mostly because I thought it was close and they said they would remove the report from the credit bureaus. 

They should have to do what they say. They have a recording of our conversation.

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 2019-07-30 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-30 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I had purchased a new Ford truck and financed with Ford Motor credit. In XX/XX/XXXX I lost my job and was unable to make the payments. I voluntarily turned the truck back into Ford. The balance after the sale was {$9700.00}. I was unable to pay the balance. Ford hired a law firm and was awarded a judgement against me. My credit report shows the account closed and charged off. For continued to add late pay on my credit every month because of the balance. On XXXX XXXX I called Ford to question why the monthly remarks continued since all credit reports the account was closed. Ford advised their records indicate the account is open. 
How can the account remain open since a judgement has been awarded against me. How can all the credit bureaus report the account closed. 
Im confused how the judgement wouldnt close the account. The monthly fail to pay has been placed on my credit report for 15 months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I've had this credit card for decades. While traveling overseas last year, Capital One froze my card to request copies of my driver 's license, utility bills, and other documents. I spent three weeks getting that sorted because the XXXX call center didn't understand that I only could supply a utility bill for my home address, not my mailing address. I didn't have use of the card until after I was home a month later. 

Since then, my account has been flagged with the same restriction in XXXX, and again now, both times requesting I submit the exact same documents. No one at the company will explain why this keeps happening and they keep expecting me to upload these same documents via a very insecure portal which does not encrypt the data in transit. 

I don't want to cancel this card because it is my oldest and that will negatively impact my credit rating, but the card has basically been rendered unusable, and the company will not provide any explanation for this poor treatment of a long-standing customer. I work in XXXX XXXX, and there is ABSOLUTELY no reason for this nonsense. This is the opposite of good security ; Capital One is forcing consumers to repeatedly send very personal data and has already shown through data breaches that they are incapable of protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Please see attached documentation pertinent to the dispute with the bank regarding the credit card. I must add that besides not disputing the transaction ; the bank also negatively reported the charge to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NV

Complaint narrative:
I received this letter today from Equifax asking for proof of identity. I am enclosing I'd, ss # and police report fromXX/XX/XXXX where I did a police report 2 months ago for idenity theft. I found numerous accounts on my credit report that's not mine nor did I authorize. All these accounts were open online. Without my knowledge. Please remove the following from my credit report. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX XXXX XXXX x3 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : : : : : : : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I canceled service two days after signing up. I exercised the 30 day money back guarantee. They did not have decent collection service. I explained many times that I didnt owe them anything. They would sometimes say ok other times they would say that they would get back to me. In the end I thought it was handled. Now they put the account into collection. I dont owe this money or I would have paid it. This is not correct!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has no payment options that are according to my income or realistic. I only make around $ XXXX a year and already have federal student loan debt and needs to survive and cant afford the payments that are nearly double the cost of my rent. 

I told Navient this and they said that Id have to pay for temporary forbearance that wouldnt go towards my balance and after forbearance my payment and balance would be even higher. 

I just cant afford the payments. Realistically payments of over {$1300.00} is just not possible at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got a debt collection notice claiming it is in regards to an account with Paypal. I've never had a credit account with Paypal. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from Paypal and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another Paypal scam. Paypal has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CapitalOneallowedadatabreachthatXXXXhavedistributedmymostpersonalfinancialandidentificationinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-30 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Management Associates, Inc.
State: MA

Complaint narrative:
I was going to school and XXXX XXXX XXXX XXXXe accepted my medical leave withdrawal since I gave XXXX and my baby had to stay in the hospital for several weeks and I was breast feeding. 

I did not go to school that semester or take any student loans or grants and now they are trying to bill me for classes I did not take, and just sent it to a collection company. 

Delta Management Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MA 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 2019-07-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had purchased a new XXXX truck and financed with XXXX XXXX XXXX. In XX/XX/XXXX I lost my job and was unable to make the payments. I voluntarily turned the truck back into XXXX. The balance after the sale was {$9700.00}. I was unable to pay the balance. XXXX hired a law firm and was awarded a judgement against me. My credit report shows the account closed and charged off. XXXX continued to add late pay on my credit every month because of the balance. On XX/XX/XXXX I called XXXX to question why the monthly remarks continued since all credit reports the account was closed. XXXX advised their records indicate the account is open. 
How can the account remain open since a judgement has been awarded against me. How can all the credit bureaus report the account closed. 
Im confused how the judgement wouldnt close the account. The monthly fail to pay has been placed on my credit report for 15 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 explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Hello, My name is XXXX XXXX XXXX.It ALL STARTED BETWEEN XXXX AND XXXX ON THIS COMPANY XXXX XXXX TRYING TO COLLECT A PAYMENT OF OF CABLE BILL I NEVER APPLYIED FOR OR EVER HAD RESIDENCE AT THE HOME WHERE THE CABLE WAS TO BE SET-UP. HOW THEY GOT MY INFORMATIOIN IS BECAUSE I DISPUTED MYSELF ON THEIR WEBSITE AND FILLED OUT A IDENTITY THEFT APPLICATION WITH THEM THAT SOMEONE AT THAT RESISDENCE FRAUDULANTLY USED MY NAME. I XXXX XXXX XXXX CALLED THEM NOT OR USED ANY CREDIT CARD NUMBERS TO GET THEIR SERVICE OR THEIR PREPAY BY CREDIT CARD PROGRAM THEY HAVE THAT WILL AUTOMATIC TAKE MONEY OUT OF MY CREDIT CARD. I TOLD THEM I NEVER LIVED AT THAT HOUSE OR ORDERED NOTHING FROM THEM I HAD MY OWN PLACE OF THEY WITH CABLE. I TOLD THEM THE ORIGINAL PERSON WHICH USED THEIR CELL PHONE AND CREDIT CARD MADE THE PURCHASE OF THAT CABLE FOR HIS USE NOT MINE. THE CREDIT BUREA AND THE COMPANY ITSELF INVESTIGATED AND NEXT THING I KNOW XXXX XXXX  WAS DELETED FROM MY CREDIT REPORT NUMEROUS TIMES OF SOMEONE BEING PERSISTANT ON MAKING ME PAY FOR SOMETHING I NEVER CALLED FOR NOR USED. AND I HAVE NOT SEEN THEM ON MY REPORT SINCE.NOW ITS 'S XXXX AND I RECEIVED NOT A BILL FROM THE ORIGINAL COMPANY I SO CALLED OWE AND THEY OR WHOMEVER OF THIS COMPANY AGAIN HAS WITHOUT WARNING OR ANY NOTICES PLACED ME TO THE CREDIT COLLECTIONS CALLED CONVERGENT AND THIS IS THE SAME COMPANY THAT WAS DELETED AND THE REST WHOMEVER KEEP PLACING TO THE CREDIT COLLECTIONS. I AM TIRED OF THIS AND I AM TIRED OF THIS SCAM AND THIEVERY OF GETTING MONEY OUT OF ME OF SOMETHING THAT DONT BELONG TO ME. NOW, THEY TRYING TO COLLECT XXXX FROM ME AS A DISCOUNT FROM A XXXX CABLE BILL THAT I SAID IS NOT MINE .PERIOD.PLEASE HANDLE THIS FOR ME. AND INVESTIGATE WHY I AM BEING HARRESSED SO OF SOMETHING IS NOT MINE BY THIS COMPANY OR COLLECTION AGENCY FOR WHICH I ALSO SPOKE TOO LONG AGO.IT 'S BEEN A ALMOST 2 YEARS OR 1 1/2 YEAR THEY HAVE NOT BOTHERED ME AND BEEN DELETED FROM MY CREDIT REPORT UPON NUMEROUS INVESTIGATIONS AND HERE I GO AGAIN WITH THESE PEOPLE. I AM ANGRY AND VERY TIRED OF THIS XXXX, NOW.HELP.SINCERLY 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