vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 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: NC

Complaint narrative:
I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX  has been close d ( Paid and closed ) and should be removed from my report .  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )

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 2017-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. <P/>Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. <P/>I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Incidente date  XXXX / XXXX / 17  Card #  XXXX  Term -  XXXX  Sequence #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ - ATM address.   XXXX  I went on  XXXX  to take out  XXXX  dollars from my  XXXX  bank account  XXXX  at a Chase ATM. I requested assistance at banking center and calle d Chase and  no one has been able to help me. I need this resolved asap.   XXXX  Thank you please contact me asap  XXXX   XXXX  Or son  XXXX  -  XXXX  I gave son auth to talk about my situation  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a Bank of America Merrill+ Visa Signature credit card on XX/XX/XXXX and was approved the same day. I was approved for a {$20000.00} limit. I received the card on XX/XX/XXXX. 20 minutes after receiving the card, I made a purchase at XXXX. About 20 minutes after the purchase, I received a call from Bank of America informing me that they had closed my account because they approved it in error. According to the representative, the application should have been declined because they had extended me sufficient credit. I asked if there was anything I could do to reopen the account because I had been a loyal customer since XX/XX/XXXX and never missed a payment ; however, the representative informed me they could not reopen the account. Next, I asked if they could remove the account from my credit report. The representative said they could not remove the account from my credit report due to the purchase I had made just 20 minutes prior. I spoke to another representative a week later and they gave me the same information. The account recently appeared on my credit reports.

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 2017-07-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I opened an income tax loan in XX/XX/XXXX with XXXX XXXX. When you receive this loan you are required to file your taxes with this company and when they receive your taxes they will deduct the amount of the loan before issuing you your income tax refund. There was n't a deadline for this loan as long as they receive payment during income tax season. I paid this loan in full on XX/XX/XXXX when XXXX XXXX received my taxes. Equifax is reporting this loan is open and the amount past due is {$490.00}. It also shows that I 'm 60-90 days late which is affecting credit tremendously. There was never a due date for the loan. The account is actually paid in full and closed. I have disputed this 3/4 times. I have went to XXXX XXXX and got documentation that the account is closed and paid in full. Equifax refuse to investigate this issue. I never missed a payment on anything and its not fair for me to have it reported on my credit as missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: WA

Complaint narrative:
Out of the blue, I received a letter from DYNAMIC RECOVERY SOLUTION stating : I owe the Original Creditor : XXXX XXXX ( i never heard of ) Current Creditor : XXXX XXXX XXXX ( FIRST TIME I HEARD ) DRS ACCOUNT NO : XXXX ( NEVER HEARD OF ) CURRENT BALANCE : {$8000.00} I am surprised and worried that if my personal info has been hacked and now somebody has been using my ss no. I owe nobody and I have given nobody any consent or verbal written to do any transaction on my behalf neither I have done myself. <P/>I have been notified to dispute the balance in writing within 30 days after receiving this notice. I do n't know what to do? The company who sends me the notice is as follows : DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Barclay Credit Card- reporting my account 120 days late in   XXXX   2017 when in fact it was not 120 days late. This company has inaccurately reported my account late on several occasions, after the account had been clos ed. I have made several disputes and they continue to update inaccurately on this account

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 2017-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This account falls under the INSTALLMENT ACCOUNTS on my credit report.
4.1 LOBEL FINANCIAL ( Account closed ) BALANCE : {$4300.00} DATE OPENED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX LOAN TYPE : Auto Loan COMMENTS : Charge-Off Account - Fixed Rate This account also falls under PUBLIC RECORDS on my credit report.
<P/>
JUDGEMENT : Case/Docket # ( XXXX ) DATE FILED : XX/XX/XXXX COURT : County XXXX XXXX Court AMOUNT : {$4600.00} This account does not belong to me. Yes, my biological birth name is XXXX XXXX. I do not have a middle name or middle initial. I am not XXXX XXXX XXXX I do have a son by the name of XXXX XXXX XXXX He 'll either go by XXXX XXXX, XXXX XXXX XXXX and/or maybe XXXX XXXX XXXX. My son lives in XXXX XXXX as well. When I first moved to XXXX XXXX back onXX/XX/XXXXI moved in with my son XXXX XXXX XXXX, his wife, and their children. I 'm not saying my son XXXX does have my social security number, but possibilities he just might remember my social security number. I moved from XXXX to XXXX XXXX back onXX/XX/XXXX This particular account was opened on XX/XX/XXXX. The only time I had ever had an auto loan was back in XX/XX/XXXX, and I had a co-signer by the name of XXXX XXXX Never did I ever have another car loan in my name whatsoever. My oldest children have been around numerous times when my spouse and I have talked about social security numbers. Being that mine is not very hard to forget I feel my son has used my identity and I would to have this removed off my credit report. If there is anything else that I need to submit besides this complaint dispute please inform me and I will submit whatever it is needed to clear my name.
<P/>
Sincerely, XXXX 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 2017-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is my 9th complaint Re : Select portfolio and their illegal unethical tactics- I filed my 7th complaint with CFPB re : SPS on XX/XX/XXXX COMP # XXXX and SPS never responded to me or to CFPB. I would like my complaint answered by SPS- My last complaint filed about SPS -COMP # XXXX was filed on XX/XX/XXXX at approximately XXXX. In that complaint one of the many issues was the different foreclosure dates between Sps and the company they hired to foreclose XXXX XXXX. I also provided documentation of the inconsistency and how they notify me by sending numerous letters some by register mail an some not advising of the postponement of sale- however the last sale date of XX/XX/XXXX was postponed to XX/XX/XXXX and never was notified by Sps until 2 days after I filed COMP # XXXX. The notice dated XX/XX/XXXX stating sale date was postponed to XX/XX/XXXX- ( see attached documents ) Why a 3 day postponement? On XX/XX/XXXX approx XXXX XXXX XXXX ( SPS employee -Obudsmen Department ) called and left me a voicemail stating " his name -he was calling from sps ombudsman and to call him back at re : a very important call -call back @ is ( XXXX ) XXXX press # 3 XX/XX/XXXX apprx XXXX I called the number back and spoke with XXXX XXXX with obudmsman -I asked for XXXX XXXX she stated he was not  available - I advised her of the message he left - she then asked to put me on hold- came back a few minutes late did not know what XXXX had called for I stated he said it was important -she did not see any notes on what he called for - asked if I had any questions re : the complaint that I made. the only question I asked was what date of sale did she have she stated XX/XX/XXXX I would like to know why the message about important call was made? was it to get me to call?? XX/XX/XXXX I received from sps another notice of sale postponement -new sale date XX/XX/XXXX Sps has still never answered many of the quality written repose requests- never addressed the falsifying documents -never addressed the hamp denial I have provided multiple evidence that they do not have the legal authority to do what they have done and are still trying to do. and again Provide an answer to complaint I filed with CFPB on XX/XX/XXXX as I never received a response nor was one provided to CFPB COMP # 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 2017-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase on XXXX in XXXX Indiana has closed my Prepaid Card for me using, my Check Deposit on my Account : ACH:XXXXand on a Account The Federal Judge In XXXX did, Put in Affect so no one but me see it in my Account in my App in my Bank Account ACH Account:XXXX, Chase Representatives could not see Account????????? and Chase Bank closed, and stopped my check deposit for no REASON this was my money from my Littgation in XXXX Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX   XXXX   XX/XX/XXXX  {$390.00}  XXXX - XX/XX/XXXX  - XX/XX/XXXX  {$0.00}   XXXX   XXXX   XXXX   XX/XX/XXXX  {$0.00} I would like to provide proof I consented t o this inquiry via fcra section  609 and 605 as well as the accuracy of this inquiry via fcra section 623 if you have no proof immediately of any or one I would like it removed immediately Iv asked for these to be removed more than once and have never got any answers nore have they bin  removed

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 2017-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
My loan payments were initially " bi-weekly '' for auto loan. Some time ago I have been on  XXXX  where I am only receiving income once per month. I 've talked to the company SEVERAL times to switch my payments to monthly. No one seems to know what happened to the initial request. Maybe it vanished ... I do n't know. I receive several phonecalls a day from the lender bombarding me to make a payment with out discussing the request that I 've put in. Th e Lender also does not show how payments are being applied to your loan. They have all other documentation on their website with the exception of this feature ( red flag to me ). I would like my payments to be switched to monthly instead of biweekly ( which the len der said is possible but my request is completely not noted ).

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 2017-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
I had to change my bank account three months ago and the change did not take. They have calling at three times a day. Reporting my account late and charging me NSF fees on no bank account on file. They refused to fix the problem and will not remove the fees. The wealthy taking advantage of a consumer..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were collection accounts added onto my transition credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.

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 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was closed for no reason. I am a victim of bank discrimination and misleading practices. The Bank representative use my old address when I requested her to put my new address when opening a new account with the bank. Due to her error my account was closed and I am unable to do any transactions on my account. When I try to correct issue with the bank they refuse to acknowledge my complains and proceeded to lock me out of the account entirely. Refusing to connect me to a manager or give me any information about why my account was closed. I ask them to return my funds to me and they wish to mail me back my money by check to the wrong address when I am notify them that I no longer at the old address that I am working on moving to the US.I have provided proof of this claims to them. I also was question about my citizenship status and I inform them that I am a US citizen born in PR they continue to question my identity for no reason. I am disgusted with such deceiving practices and searching online I have realize that I am not the only person treated like a criminal by my own bank. I hope that in the future CFPB will take action against banks leaving customers on hardship unable to pay for their bills due to abusive power. Please help me get my funds back. I am in distress and my bank do n't care if I eat, pay for my medication, my bills or die. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
There were collection accounts added onto my  XXXX  credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: NC

Complaint narrative:
In  XXXX     2017  I sent a letter to Transunion dispute  XXXX  collection accounts on my credit report believed to be fraud. In the letter I specifically stated I donot want just verified, i need documentation. I am a fraud victim so i needed a contract with my signature, too see a copy of my id on file with these companies to validate this debt because it 's not mine. After waiting patiently for 30 days Transition send me a letter simply stating " verified ''.

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 2017-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander sent me my first bill last week. I have been attempting to pay it ever since. The bill strongly urges you to go online, and set up your account to manage your account and pay your bill. I have tried every day, several times to set up my account. The site keeps saying they can not find my account and to call the company. I have called several times. All I get is a recording stating that I should go online to pay my bill. No one ever answers the phone. I am unable to pay my bill because of the company 's deceptive and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC
State: CT

Complaint narrative:
Pinnacle LLC has a XXXX XXXX bill on my credit report. I have never had a XXXX account. # XXXX. {$530.00}. Sent them certified return receipt letter, asking them to verify it belonged to me with no response. Then sent 10 day letter asking the same with no response again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Co signed auto loan, person passed away, car was in her name, but I was paying loan all along. Try ed numerous times to have car put in my name so I could register and keep car. They could not help me. I try ed everything to keep this vehicle but it was not in my name. They asked for me to sell car, impossible Not in my name!! Did everything possible to have vehicle transferred to my name with not success just frustration. Could not keep paying for a car that was sitting in my yard, not registered, not being able to register and not being able to use. # XXXX. {$2900.00} # XXXX. {$1200.00}. Date as of XXXX-2004, This debt is 13 years old, should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
They are taking days too report my pay to my loan company

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 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank failed to honor new account promotion code  XXXX . Bank owes me {$220.00}.

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