vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FM

Complaint narrative:
They called my phone with several different numbers with no voicemail left. Trying to collect on a debt over 7 years old past the limitations. phone numbers listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have over 35 more from the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Bought XXXX XXXX XXXX XXXX on XX/XX/2007. Struggled for 7 years to pay about 1000.00 per month. Argued about late charges went to court settled for XXXX over a year ago still have no title and can't use car. M and T bank have lied to me, harassed at work and threatened me with bodily harm.

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 2018-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I gave a teller at Chase Bank a paper check to deposit in my checking account on XX/XX/2018. She scanned the check and gave me a receipt of deposit. The following day XX/XX/2018 the check was available in my account. On XX/XX/2018 the deposit in the amount of the check had been removed from my account and a return check fee charged. After multiple calls to customer service it was decided the check had not been properly scanned into the system and the account number on the check was missing some digits. I was guaranteed multiple times during each call with customer service that the original check would be mailed to me in three to five business days. I was told, by Chase customer service, that this would be the only way I could prove the discrepancy. I received in the mail on XX/XX/2018 a copy of the scanned check, not the original or photo copy of the original check. I called customer service explaining the situation and demanding the original check and was told it was not their policy to return original checks and that the scanned copy was of legal tender and that I could not have the original or photocopy of the original check returned to me. The company that issued me the check did not have a copy of the original check but did tell me part of the account number was not showing on the scanned copy of the check from Chase bank. Chase bank charged my account multiple overdraft fees. Due to this error I owe other businesses large sums of money. I opened this checking account with Chase Bank on XX/XX/2018 and was promised by Chase Bank a signing bonus for opening the new account. I was told the signing bonus would be in my account by XX/XX/2018. I never received that signing bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 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: NV

Complaint narrative:
I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX. XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.

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 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Made several extra payments over the phone. Specifically told the agents that the overpayments were to be applied to principal. 
I have called repeated and tried unsuccessfully to get the extra paYments that are held as unapplied funds applied to principal. My account is in good standing and each time I call the agents on the phone can not explain why my money has been held XXXX for the past 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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 am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: Avant Credit Corporation
State: MD

Complaint narrative:
Complaint Against : Avant XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Illinois XXXX My loan details Customer ID : XXXX Loan ID : XXXX My Complaint : Company is reporting account incorrectly on credit report, deliquent account was never charged off, creditor continued to poison my credit report for 3 years, reporting 120 days late every month. Number of days late per month was incorrect. Contacted company to pay off loan and come to a fair good will compromise and the company refused and states they were reporting my account correctly every month and would not revise the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I entered into a modification agreement with Nationstar Mortgage initially for three   months. I agreed to pay $ XXXX  monthly for the three months and was told that if the modification needed to be extended I just needed to contact them to discuss. I made my payments as agreed and timely, however, when going online to make the third payment I received a message that my mortgage was paid in full.

I then received notification that my home was being foreclosed and sold from underneath me.

I am still fighting this in court and have a hearing XXXX XXXX 2018 objecting to the sale of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
My name is XXXX XXXX and i reside in XXXX XXXX Nevada i have been here sinceXX/XX/XXXX, i am a registered voter and i have my Nevada identification state cards fromXX/XX/XXXX to present XXXX which i just provided to Cfpb. There is a chapter XXXX bankruptcy on my credit file for US bankruptcy XXXX Alabana from XX/XX/XXXX But there are no accounts on my credit reports to support this. I contacted the courts and they advised me to take up with the courts. Also the US Bankruptcy Clerk advised they do not disclose information to 3rd parties. Such as lexisnexis who provided this inaccurate information to XXXX  and XXXX I did not file a chapter XXXX in Alabama in XX/XX/XXXX. I was living and working in Nevada in XXXX. Also there isnt one account on my credit report that shows included in Bankruptcy to support their findings. I am asking for supportive documents to proove its mine, accounts included, and how verfied. lexisnexis possibly have me mixed up with my daughter. similar names can be mixed up and reported in error. My daughter has same name as me .and she resides in Alabama XXXX How can i obtain a residence, drivers license, and job, voters card, lease from XX/XX/XXXXshowing my residence here in Nevada and file a bankruptcy in AlabamaXX/XX/XXXX. doesnt makes since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. 
Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: United Student Aid (USA) Funds
State: OH

Complaint narrative:
USA Funds reported a balance increase on a closed account and the account has been closed for a long time. This account has continually been passed around from creditor to creditor and I am sure it is illegal for it to still be on my account. There was no reason to report a balance increase on a closed account. Wherever USA funds got this account from, it is too old to be reported on my credit. They need to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: MD

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in GA which was not my regular doctor. Prior to seeing the doctor, I asked the in-take person at the front desk to call my insurance to verify that I would be charged the usual {$30.00} co-pay as a normal doctor 's office visit ONLY. I waited while she verified the charges with my insurance. She said she was told that the charges would be the usual {$30.00} co-pay and so I agreed to see the doctor and paid the {$30.00}. About a month later, I started receiving a bill stating that I owed {$160.00}. I call them up and also called my insurance and the insurance said how they coded it was incorrect and I told both the insurance and XXXX XXXX XXXX XXXX that they need to figure it out and that I would not be paying the {$160.00}. XXXX XXXX XXXX XXXX turned it over to collections to a Creditor called XXXX XXXX XXXX ( XXXX ) XXXX and they reported it to the credit bureaus and not this is impacting my credit score and I am buying a house. Please help me. Thank you! ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PREFERRED CREDIT INC
State: AZ

Complaint narrative:
I placed a complaint to inform cpfb that PCI, was reporting inaccurate information on my credit report case # XXXX concerning account # XXXX, and the response from cfpb was it was validated, i received a item with allegedly owe them.there information does not meet the Federal Trade Commissions guidelines of what constitutes proper Debt Validation.they are still reporting this collection on  my credit report. PCI is in Voilation of the FCPDA .These collections on my credit is causing me a great deal of damages to my credit report and life.The FDRA does not allow the inaccurate Reporting of information, and they are getting away with it.Im am send you the copies of the notarized letter and their response sent via USPS certified mail.i sent them was received by them XX/XX/2018 at XXXX XXXX certified Mail # XXXX, its been more the 30 day to prve this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After the XXXX  Security breach, I decided to freeze my credit, which was free from XXXX and XXXX but TransUnion charged me {$10.00}. I am now looking to temporarily lift my credit freeze to apply for a new card and I am being charged again for a temporary lift from TransUnion for {$10.00}. I understand {$10.00} each time is not a lot of money but I find it to be morally unethical for a company I did not choose to use making money off my information being stolen. I would love to not have a security freeze on my account but given I received confirmation that my information was stolen during XXXX XXXX security breach, I would rather be safe than sorry. Not only do I find XXXX XXXX business practices appalling considering I can not change my social security number and will need to have a security freeze for the rest of my life, I find it even more appalling that it is not illegal for these companies to make money off me. I'm not a victim of identity theft but I kind of am. Why am I paying for this when I did nothing wrong?

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 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
XXXX XXXX no number to reach. Paying XXXX for i dont know why

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
In XX/XX/2018, on the XXXX I think, my loan was sold to XXXX from XXXX XXXX. During the transfer my principal balance was inflated, a payment was not posted, late fees were assessed, and my monthly payment has increased. 

I reached out to the new company by phone and email. They claim to have fixed it all. They did finally add the payment and remove the late fees after a month. However, the initial transfer principal balance looks to still be in error and the monthly payment amount is still in error as well. 

Additionally, on the XXXX XXXX side I went to my old account to get more material to strengthen my ground for complaint but less than a month after the sale my records are no longer there for my access despite the account being active. XXXX XXXX did not give any overt warning that my only means of saving this information would be prior to the transfer. If I had not printed copies of my monthly payment I would be in a very poor position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I requested a copy of my entire servicing file from Caliber Home Loans as provided for under XXXX XXXX XXXX  since XXXX XXXX, 2018. Caliber has failed to comply with my request to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: MS

Complaint narrative:
Hi I recently had my credit pull only to find out i have been a victim of identity theft. Someone used my name and personal information to open up a XXXX XXXX credit card that i did not authorize them to do. I file a police report and also file with federal trade commission sent police report and letter from trade commission to XXXX XXXX and Equifax. I received my first letter back from XXXX XXXX XXXX stating the account was open Fraudulently and they would correct my report with all three bureaus only to fine out they are still reporting negative inaccurate and fraudulent activities on my account. They have police report and letter from federal trade commission explaining my right under FCA Act. This is continuing to damage my credit and not allowing me to provide for my family and it causing me a great deal of stress. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX  XXXX 1 ) XXXX Report Account # XXXX Original XX/XX/XXXX Account Status Closed Payment Status ******* Paid, XXXX balance ******** Status Updated XX/XX/XXXX 2 ) Equifax Report, Account # XXXX Original Creditor Date OpenedXX/XX/XXXXAccount Status Closed Payment Status Pays account as agreed Status Updated XX/XX/XXXX Usage Balance {$0.00} Balance Updated XX/XX/XXXX3 ) Transunion shows derogatory and a charge off. 
Account # XXXX Original Creditor Company Sold Account Type Installment account Date OpenedXX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXXPlease update the credit report with Transunion as this account is in good standing. I paid as agreed and I should not have a derogatory mark on my report. 
XX/XX/XXXX Thank you, 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 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX Card ) bought the account I had with XXXX XXXX and garnished my wages. I had been trying to establish a payment t plant with XXXX XXXX but they told me I would have to pay {$300.00} to bring my account current before they would accept a payment plan. I turned to XXXX XXXX XXXX XXXX for help with a Debt Management Program in XX/XX/2017. I added both of these vendors to my debt management program XXXX XXXX in XX/XX/2017 with XXXX payment every month and XXXX XXXX XXXX payments being XXXX a month also starting in XX/XX/2017 and 1 payment of XXXX in XX/XX/2017. 
I had tried to contact them several times to set up payment arrangements, emailed, etc with no response. I received garnishment papers in XX/XX/2017. They garnished my wages for a judgement amount of {$1200.00}. After receiving the garnishment paperwork I stopped making payments through XXXX XXXX to MCM & XXXX XXXX. In the mean time XXXX XXXX accepted {$250.00} in payments from XXXX XXXX and {$400.00} was accepted by MCM from XX/XX/XXXX thru XX/XX/2017 for XXXX XXXX  and XX/XX/XXXX thru XX/XX/2017 for MCM totaling {$650.00} in payments in addition to {$1200.00} ( the amount of the judgement ) judgement number XXXX dated XX/XX/17, ( long after already accepting several of my payments thru XXXX of XXXX ) bringing the amount they received from me {$1800.00} dollars! I would assume that because the judgement amount was for {$1200.00} and between both vendors they collected {$1800.00}, I would receive the over payment amount that was paid. I feel like I was taken advantage of and pushed around by a bully lawyer and credit card company and they knowingly stole money from me. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I contacted the companys corporate number and the company itself in person when making a payment. The loan steadily increases, I spoke with the customer service person at the corporate office he told me he couldnt gone me the exact amount my late fees are. Its just charges on the account, I asked for a breakdown off how much I have paid they told me they couldnt tell me the amount. Its the worst place to contact and please never get a loan or line of credit from first Virginia bank, payday loans are better.

Company response to consumer: Closed with explanation