vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 Portfolio Recovery Associates, LLC sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit PRAPay.com or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to call, email and log into my account with equifax well i think its equifax. 
on XX/XX/2019 and no help again. My information has still not been corrected on my report. My date of birth is still incorrect. My name has not beem corrected. Also, when I call it seems like the people are from another country so I dont give them my information. I dont know who else can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have asked Capital One to stop the harassing calls a couple of times now, but the calls continue. I saw 4 calls on my call blocker between XXXX and XXXX just this evening and 3 other calls earlier today. While I do owe on an account, I can not pay it as Im on permanent Social Security XXXX. I can back this up. My husband is permanently retired and on Social Security. Our income dropped when he left work. I told Capital One to stop harassment and collections as we cant pay and to take us to court would be useless. They legally can not do garnishment on ss income and we know our rights under Fair Debt Collection Practices Act. They are violating federal law with the harassing calls. They better stop. Just leave us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: SCS Credit Corporation
State: IN

Complaint narrative:
I made a loan with SCS credit corporation. The account is open and showing I owe XXXX as of 7 years and 2 months ago. It was a XXXX XXXX XXXX. The car has been repossessed years ago. I am going through a financial crisis and can do longer make such large payment for something I no longer have. Its been such a long time since I had the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
i was told that if I consolidated all my student loans that all old late payments and charge offs would be removed from all three reports. XX/XX/2018 my loans were consolidated and items still on report. also have XXXX XXXX XXXX helping with credit repair since XX/XX/2018. They have gotten a lot of the late payments removed. Still have about 68 items left between all three reports left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was desperate to find a low cost vehicle and planned on buying used. I am having financial hardship. Went to XXXX XXXX. I requested to see car advertised on XXXX. Price slightly less than {$17000.00}. Nothing explained to me before signing agreement with XXXX and Credit Acceptance Corporation. Payment > $ XXXX/month. I told them I can not afford the payment and broke down crying. I expected a ~ {$13000.00} loan. I put {$4000.00} down. The purchase price was listed as {$23000.00}. {$10000.00} more than expected. I was told ; because of my bad credit the only way a financial company will loan me any money is if its above a certain amount ... .to be determined by the lender. I anticipated higher interest rate but theirs higher than anticipated. 22.99 %. I said well if they require more money for the loan I will get a better car. I was told, oh NO you can not do that. I asked why? Because they will add more money to that loan. I asked about a new car for that amount and told they wont finance a new car. I was being told that I had to do this type of financing because of my bad credit and I felt forced into signing contract because they told me I couldnt do better anywhere else. I asked 2 other car loan companies about their financing and they said they dont do that. One company was XXXX XXXX who sent me your contact information.

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 2019-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My standard loan payment is {$900.00}. I have this setup as an autodraft. Loancare, my mortgage servicing provider, withdrew {$5900.00} from my account on XX/XX/2019. The sent my account balance into negative and causing me to scramble to get my account back to positive and cover other planned expenses. 

Prior to the autodraft date of XX/XX/XXXX, on or around XX/XX/2019 I logged into the webportal for my loan and noticed the next scheduled withdraw of {$5900.00}. In disbelief, I immediately contacted customer service ( wait time >45mins ). The lady I spoke with stated it was a typo in the system, and they will only withdraw the statement amount ( {$900.00} ). The next day XX/XX/XXXX, as I can not take the risk of this large withdraw. After speaking with multiple people over an hour period, I was told there is nothing that can be done and they are not sure what will be withdrawn from my account the following morning. They did at this time acknowledge the mistake. The following day {$5900.00} was taken from my account. Another phone call led to me emailing a copy of the pending charge from my bank account, with the promise of a check being sent overnight to reimburse. I was told at this time I will receive a follow up call with a tracking number for the check. No call came, no check came. Monday XX/XX/XXXX I called looking for some answers. I get a different supervisor with little knowledge of the situation. She finally is able to see that a check was not issued because the charge was listed as " pending '' on the emailed statement. I then provided another statement, as was told they check will be sent. I asked for a follow up call with the tracking number. Again, no call. Finally, Wednesday XX/XX/XXXX I get a call stating that a check will be issued for overnight delivery. Friday XX/XX/XXXX, after countless hours on the phone, multiple trips to the bank, stress over other bills, etc. I did receive the check for the amount of {$5000.00}.

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 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX, XXXX sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit XXXX or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: IL

Complaint narrative:
I am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( two accounts ), & XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquires for XXXX XXXX, XXXX   card be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.

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 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This week, Bank of America sent my husband a credit card in his name linked to my separate credit card with an identical number to my credit card. I did not ever request for BofA to send to him a duplicate of my card in his name. I called BofA and spoke with a representative who identified herself as XXXX from Texas. I explained that I was troubled by their having issued a duplicate card to him and she told me that I must have requested it by phone or online at some point for them to have issued it. I asked for them to provide to me the date and method of my request because I know that I did not make a request as my husband and I have separate cards intentionally. She refused to provide any details of when or how a request was made and seemed unconcerned that a fraudulent request was made. I am disappointed at their lack of tracking when it comes to requests for duplicate cards and their lack of concern for what was either an error on their part or a fraudulent transaction.

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 2019-08-11 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Purchased a dryer online through Sears using a Mastercard. Sears charged the card for {$930.00}. My card was immediately flagged for fraud alert by Citi MC. I called and confirmed the charge. My receipt said " Scheduled for Delivery : XX/XX/XXXX. We'll call you the night before your delivery to confirm your delivery window. '' No call received on XX/XX/XXXX. No call on XX/XX/XXXX. When I called Sears, the representative said that I HAD to call to schedule delivery. This is NOT stated anywhere in my receipt, on the Sears site, nor in my confirmation email. I waited on the phone for an hour. My credit concern is -- - Sears is violating the terms of their vendor agreement with Citi MasterCard by charging my card and falsely stating the delivery procedure. Furthermore, the procedure stated by Sears is false and misleading. I still do not have the dryer and there is no date scheduled for delivery. But, my card has been charged {$930.00}. I still need the dryer. MC is allowing vendors to operate outside of the terms of their agreement - stated here : https : XXXXXXXX. I am concerned that if i cancel the purchase - i will be charged by MC for confirming then cancelling the charge -- and Sears will hold me liable for the purchase.

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 2019-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initially filed a complaint # XXXX ( see attached ). I thought that the response from Chase Bank would resolve the problem. In essence, a credit card payment from a Chase credit card was never received by the vendor. We show the transaction taking the funds from our account but Chase would do nothing to assist us in working with the vendor - the basis of the complaint. Chase, in response to the complaint, provided transaction information which we shared with the vendor. The vendor could not use the information and replied with a statement ( in Spanish ) which we submitted to Chase Bank. Chase has not acted on this letter so I ask that the complaint be reinstated or a new complaint be raised based on the initial complaint. I have attached some of the relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CA

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept XXXX XXXX XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CA

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX  XX/XX/XXXX {$750.00} XXXX XXXX  XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX  XXXX XXXX XX/XX/XXXX {$370.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX  XXXX XX/XX/XXXX {$2.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX  XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX  XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2019-08-11 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: CA

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$7100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: AES/PHEAA
State: NC

Complaint narrative:
National Collegiate Trust or NCT is reporting inaccurate and inconsistent information to XXXX and XXXX. This includes different payment history on the respcitive bureaus and wildly inaccurate and incossitemnt key filed like date of first deliquncy, account status etc. I have sent documentation to get the information corrected to no avail. Therefore I am filing a dispute with the CFPB to have them delete the entire tradeline from my XXXX and XXXX credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The bank has consistently harassed me by denying me credit because they claim they can not get my report. Although I have had over 14 inquiries on various reports. I have tried to call them, write them and ask for management. 

When I tried to reach out to the bank today, I get a recording on any line I call from my line that states I am not authorized to contact them. I will enclosed a copy of the dialing and recording for your records. 

Since I have had other credit products in the past with them, is not allowing me to access those account for any maintenance, payments or changes. 

I will enclosed copies of some of the material, it is a large amount of material so therefore if you want all of it or additional information, I can send it via mail or courier. 

You will find a copy of an email from each card from the bank, verification the freeze is removed and the letter from the credit or stating the freeze is on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I appear to have what is known as a " mixed file '' I can not even attempt to access my credit report through a third party because I get locked out during the verification process.

Company response to consumer: Closed with explanation