vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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 sent 3 letters so 1 letter for each bureaus experian XXXX and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/ 2018 and havent heard any response or updates to my credit report.

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 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
I was closing out my loan and I had to close later than schedule because of my wire transfer not coming in on time as of XX/XX/XXXX. So, I was already stressed out. On XX/XX/XXXX, I receive a phone call from XXXX XXXX stating that I never submitted docs for XXXX XXXX. However, I submitted the bank account activity in XX/XX/XXXX. XXXX admitted in her e-mail that she assumed that I was going to use my XXXX account because I had enough funds. But, the thing is I had more funds in my XXXX account. Why would she not assume that the funds would come from XXXX account? So, now, I had to drop everything to close on XX/XX/XXXX. I was faxing documents to XXXX like crazy, even into my lunch break! XXXX didn't even know that I had two accounts with XXXX XXXX. One account was closed. She didn't even know that and was asking for statement on the closed account when there was another account that was opened. I had to tell her that! She just asked for all the documents even the ones that I already submitted in XX/XX/XXXX! When I told her that I already submitted that she responded in her e-mail, " Okay, maybe we don't need that. '' She was asking for documents that I submitted in XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX! It was terrible working with her! 
So, I contacted the cooperate office and XXXX XXXX responded. She said she was going to do an investigation. She e-mailed me saying that she was concluding that I closed on XX/XX/XXXX because my wire transfer did not come in on time. However, I did not make a statement that I closed on XX/XX/XXXX because of XXXX. I was talking about XXXX being unorganized that she caused me more unnecessary stress. Secondly, granted that my wire transfer came in late, however, had I not dropped everything and jump on it to fax everything over to XXXX, I would not have been able to close even on XX/XX/XXXX either. Also, why does my wire transfer coming in late have anything to do with XXXX not being on top of her job and asking for documents that I submitted nine months ago? I believe had XXXX done her investigation properly, she should have known that XXXX only received the docs on XX/XX/XXXX which continued into my lunch break ; and she would have found out that XXXX did not have my XXXX XXXX   information which means, even if my wire transfer happened on XX/XX/XXXX, I still had to go through this process! How does XXXX not being able to provide proper customer service because she was not on top of her job have anything to do with my wire transfer not coming in on time? I would never want to work with Fiance of America Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
Beginning of XX/XX/2019 I applied for HSBC Platinum Mastercard with Rewards credit card which is advertised on their web-page with a 0 % Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ( " Introductory Period '' ). With an excellent credit score of XXXX and a household income of $ XXXX I didn't see any issues with getting this card. Only, about a month later when I got the card in mail, it was NOT the HSBC Platinum Mastercard with Rewards but the HSBC Cash Rewards Mastercard with a 19.24 % APR with a {$2000.00} limit (!!!! ). This is a XXXX  INSULT! My smallest credit card limit is {$10000.00}! I was beyond  furious. I called HSBC two times, each time been on hold for 30+ minutes trying to figure out what happened. No resolve. Not only did I get an inquiry on my credit score ( which I'm incredibly protective of, hence the excellent score ) but now I've got a card with a HUGE APR and a TINY limit. Who the XXXX do they think they are?! Stay away from these fraudulence people! What a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Car repossessed on XX/XX/2018 for a back due amount of {$650.00}. I missed one payment and the next lease payment was due. I had some problems making the lease payments in the past on time due to some financial issues I was having but they were always made often with me paying a late fee. Chase never once tried to work with me to come up with a plan that could work for both of us. I received a certified letter on a Friday and they repossessed the car on Monday. The calls I did make to Chase were often handle by rude, abrupt customer service representatives. I did file a complaint with the attorney general of Pennsylvania but they were unable to help. l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have a collection account on my credit report with the orignal creditor being XXXX XXXX XXXX but it's now FAIR COLLECTIONS & OUTSOURCES account number XXXX in the amount of {$4600.00}. This is not my account, I have never lived here. I do not know why my information is on here or how it got to me. My father name is XXXX XXXX also but this is not my account for sure!

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 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
An account was opened for XXXX XXXX in XXXX of 2016. Immediately after a better deal was obtained from XXXX. XXXX equipment was returned to them and the account closed within two weeks, well within their 30 day no risk guarantee. XXXX has attempted to claim two invoices in the amount of {$200.00} for XXXX and XXXX of 2016 despite their equipment ( set boxes and routers ) being returned and the account closed in the same month, XXXX of 2016. Despite repeated requests for a contractual agreement with a start and end date to validate their claim for this money, they only provide invoices as their validation, which does contractually prove any agreement between myself and 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 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I was just informed during a telephone call that I made to XXXX XXXX XXXX by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5   months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor Pendrick Capital Partners II. I do know for a fact this debt did also come from a company called XXXX XXXX  before the date that XXXX XXXX XXXX on XX/XX/2019. When the accout was in the hands of XXXX XXXX  it had gotten deleted due to not being able to Validate the debt. Pendrick Capital Partners is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be 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 2019-02-28 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be 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 2019-02-28 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 sent 3 letters so 1 letter for each bureaus XXXX XXXX and transunion in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.

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 2019-02-28 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 sent 3 letters so 1 letter for each bureaus XXXX Equifax and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid the payment due on time but TJX charged me the usurious late fee of {$35.00} which is outrageous and obscene and downright criminal and confiscatory! XXXX XXXX, XXXX, XXXX XXXX, XXXX ( ret )

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 monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
They have called at least 2x a day. I have sent them written notice not to contact me as I have an attorney and I am filing bankruptcy. Continue to call threaten they are reporting me so I can no longer write checks said I defaulted on the loan when all I asked was for them to stop ACH payments. Won't give a mailing address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CarMax, Inc.
State: MD

Complaint narrative:
Contacted XXXX  in XX/XX/XXXX to inquire as to why Car Max Auto Finance was reporting my account as late, when I have documentation from Car Max Auto Finance that my car was paid off in XX/XX/XXXX.  Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX balance on XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
Harris and Zide should have their law license revoked!!! first of all I was  never served I wsas not aware of this judgment from XX/XX/XXXX when I started getting called and letters from them threatening to garnish my XXXX wages calling threatening to arrest me ... I later found out that they left papers with my neighbors kid how is it a good service? .. I called XXXX  XXXX XXXX willing to settle this past due account who agreed to accept XXXX but to pay harris and zide. when I called harris and zide and spoke with with XXXX XXXX he laughed at my " XXXX '' accent and said this is XXXX   and he will not accept less than XXXX I even put XXXX XXXX XXXX on the line to conference but he hang up ... then I called to ask to speak with someone XXXX  speaking was connected to XXXX XXXX who was worse - he ask about my income and asked to send in my XXXX checks so he can garnish my income .... isn't this illegal to go ... i'm trying to do the right thing but seem like i'm being taking advantage of. I have on hand a letter from XXXX XXXX XXXX stating I owe then XXXX but harris and zide said it is now XXXX isn't this a usuary? ... against ca interest rate laws ... i'm very confused, threatened, harassed and insulted at this point. I was never treated this way as a vet and disadvantaged citizen this is outrageous. I'm going to the district attorney 's office next to see if they will help. I want to resolve this 9 year old debt but don't wish to work with harriz and zide, I wish to settle this with the original creditor XXXX  XXXX XXXX and get satisfaction of this judgement once and for all and stop all harassment calls from harris and zide. please help, I was also given contact for ftc and cal bar to file my complaints with. I have nothing but time and will see justice and release

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE SENT A DISPUTE FOR EQUIFAX AND STILL HAVE NOT GOTTEN A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
They are taking advantage of people! Advertising quick small loans. Back in XXXX, I thought I was just applying and would here back so when the agreement came up online I clicked I agree. I never received anything that said I was approved, just saw {$500.00} deposited In my account. At the time, I thought I would pay back within a couple payments because the next week a payment was drafted out of my account for XXXX to which I thought that will be paid off in no time. I only needed quick money for XXXX. Sadly, I just found out after inquiring that the interest on this is 700 % which is absolutely ridiculous and taking advantage of people! I dont understand how this company is even allowed to be in business. I want this reported because its robbery. I will end up paying {$2300.00} for what was to be a simple and quick loan for the holidays Your help is appreciated. If you can tell me how to go further with this complaint. They dont need to be in business and taking advantage of people! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: MD

Complaint narrative:
Contacted Equifax in XX/XX/XXXX to inquire as to why XXXX XXXX XXXX XXXX was reporting my account as late, when I have documentation from XXXX XXXX XXXX XXXX that my car was paid off in XX/XX/XXXX. Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX  balance on XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MA

Complaint narrative:
I noticed a collection on my report and called the credit agency. I was told a company called National Recoveey Agency had put the collection on my report. I have never received any communication from this company, no dunning letter or opportunity to dispute. This is against debt collection laws. Moreover, the debt alleges that I had an account that went into collection with XXXX XXXX  in 2018. I did not have an account with XXXX XXXX in 2018 so the reporting is wrong as well. 
I was prejudiced by this lack of notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and Bank of America will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. Bank of America is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.

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 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
My agent had already filed a complaint as Ditech was refusing to respond to our offer. Now after we have received the Approval To Participate HUD form XXXX, the negotiator ( XXXX XXXX ) refused to review the offer and send the approval. She says that there is an " additional marketing period '' till XXXX XXXX, there is NOTHING on the document that says that. My agent has done hundreds of FHA short sales and says this is NOT procedure, that the ATP is used to generate the approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
PayPal Credit has a minimal monthly balance of XXXX. I contacted them said due to less bourse at work see if I can make monthly payments of {$200.00} a month they said the finance department would contact me and it shouldnt be a problem. For last months payment made payment of {$200.00} out of the {$310.00} due. This month said Im past due and my new balance is {$410.00}. They will not work with me Ill keep  getting deeper in.

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