vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/18 I paid in full my Barclay MasterCard ending in XXXX the balance was {$2800.00}. As always I would check my account online or by phone.Since I have this account I always keep it in with good standing.When I call in the system would always ask me a series of security questions to confirm it is me such as my date of birth, the last four digits of my social security, mailing address, mother maiden name.When I call in to check on my account it ask once a series of question security which I answer with no problem then I was transfer with to live a person in customer service which I answer and pass a series of question.Then they say they still a problem of ID that is me. Then they ask me to send a copy of Driver License, Social Security Card, Utilities bill which I did and I did not heard from them in many things.So I contact them again then they got them but now I need to make a copies of the back of my Driver License and Social Security Card and I also told them the second time that I have two address one for my primary and the other secondary.Then I mail a copies of back of the two documents they requested then still I did not heard from them for many days once again I have to contact them and go to a series of question and they still place restriction on my account. I have reason to believe they have done this because Iam 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 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
To Whom This May Concern, I have written multiple letters for verification of this debt requesting a copy of ; Agreement from the client that authorizes National Credit Management to collect on this alleged debt, An agreement reflecting my signature that confirms my acceptance of obligation, & A full and clear explanation of how you calculated the debt. 

I have also reached out to the Credit Beaus for assistance and I have yet to receive the requested forms of verification regarding this debt. Upon personally investigating this company. National Credit Management at location XXXX XXXX XXXX XXXX. XXXX XXXX, Mo XXXX is NOT registered with the Secretary of State of Collect in the State of Texas. This is a requirement to collect ANY debt in the state of Texas. Company can not provide requested documents for verification. please delete

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a some addresses on my report that are not mine. My name is XXXX XXXX XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX  (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX  , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE(XXXX) XXXX  (XXXX) XXXX (XXXX) XXXX  (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX   (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) 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 non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. 

The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. 

This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. 

The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.

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 2018-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IL

Complaint narrative:
When my mother passed, I inherited her property. I received the deed a few months after her passing. I worked out a modification with the original lender, XXXX, and was paying as agreed upon. Eventually, my loan was sold to Selene Financial. I entered a new modification plan with them and was paying as agreed. My payments were to be around $ XXXX/mo ( with taxes and insurance escrowed ). Unexpectedly, my mortgage doubled to around $ XXXX/mo with no explanation. The mortgage statement said that my escrow was - {$4200.00} which i would take that to mean that they paid the taxes and insurance but after speaking with the county, Selene never paid them. I had to pay my taxes and insurance out of pocket. They are no longer accepting my payments and they are not honoring the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was buying XXXX XXXX XXXX XXXX, spoke to customer care in XXXX XXXX, XXXX XXXX that, that specific product is not available in other store than XXXX XXXX itself, so suggested go financing for 18month @ 0 % interest.so it took me to barclaycard website.so I applied.they denied my credit.i just checked my credit report that they did a hard inquiry on my report, which is not right.please help protect my right.thanks.im an us cutizen.

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 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My checking account was closed by PNC bank without my consent. After closure they never sent me a check of my remaining fund in the account and won't let me access the fund in the branch. I contacted XXXX XXXX in the retail escalation department phone number XXXX, whom said would help me follow up with the issue and whatnot. She never did, and everytime I call her it's straight to voicemail. Highly unprofessional. PNC is keeping my funds as interest free loan and I demand my fund sent to me immediately before I take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This refers to complaint no. XXXX. 

Equifax supplied a phone number to resolve this complaint. It was answered by a foreigner. This is exactly what my complaint was about in the first place, which is the use of foreigners to discuss my credit history. I will not talk to foreigners about my credit history. Equifax is exposing all Americans with credit history to fraud and identity theft. 

My address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: OH

Complaint narrative:
Portfolio Recovery has placed an account on my credit report with a balance not owed on the account. I requested a copy of documents that show that I owe this amount and they have not been able to provide documents. I filed a complaint with XXXX XXXX XXXX   and they too were not able to provide me with documents showing the amount they claimed I owed. On their letter head it says I owe them hundreds of dollars but on the billing statement XXXX XXXX XXXX has provided it does not show this amount. 

I have enclosed a copy of the document XXXX XXXX sent to CFPB that says they sold the account to XXXX for a different amount then the billing statements. 

I can not see how this is lawful and is it is damaging my credit report. I have filed an investigation with the credit bureau 's and will be filing a complaint with other agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT 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 2018-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT 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 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/2018, I called back Navient to try and work out a payment plan on my Private student loan. I spoke with XXXX, who became frustrated that I could not make the payment they were asking for with {$180.00}, due to bills and my income. I asked if there's any way to forebear or defer, to which she said no. I asked if I can make payments of {$50.00} or what I could afford and not default she refused and got snippy then sent me over to a supervisor. XXXX gets on the phone and is immediately hostile. I explain to her the same thing with bills, my income and the financial work up, she states that they will just send me litigation and have the government garnish 25 % me then I won't be able to pay my bills. I ask her if I re-enroll in school will I get a deferment, she gets angry and says she is going to mark me as refusal to pay and hangs up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been trying to reach Capital One regarding unauthorized charges and their status. 
I would like to get a refund check for the credit balance on the account and close my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. 
My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. 
On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. 

I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. 

On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. 

On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. 

On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. 

Eventually, I submitted the detective 's contact information to the fraud department. 

The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. 

Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. 

The bank also refused to provide me with the credit during the time of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
this number call me and stay on my credit history for while and call me if i don't pay money they will make me go jail and come to house

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: Midwest Recovery Systems
State: WI

Complaint narrative:
I received an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an  unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score.

I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TN

Complaint narrative:
I tried to get a share loan from my credit union. When they pulled my credit history from Equifax, it gave them the credit history of someone with my same name. Equifax refuses to take any responsibility for having someone else 's credit history under my name. Equifax tells me they have no record or files of me whatsoever, yet when my credit union runs my Equifax credit report they pull someone else 's information as my credit report. As it now stands, I see no way I can do anything to fix this because Equifax refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NM

Complaint narrative:
Sir - The debt was originally with XXXX Hosptial which I was paying off in installments and reduced to {$1000.00} in XX/XX/2018. Then without mentioning to me, the debt was transferred to Frost Arnett ( account XXXX ) on XX/XX/2018. However on XX/XX/2018, I paid XXXX Hospital {$200.00}. The letter from Frost Arnett arrived on XX/XX/XXXX When I got the letter I called Frost Arnett immediately and informed them that my debt was only {$800.00}. The person said that they would check about the payment of {$200.00} to XXXX and never called back which he said they would do. I called XXXX also I filled a complaint already with Frost Arnett asking them - why dont you verify the {$200.00} which I paid and reduce my debt by {$200.00}? No Answer. Lastly I said that I would file with FTC and XXXX if I didnt hear by XX/XX/XXXX which I am now doing. I even paid Frost Arnett {$400.00} but I will go further until I hear that my {$200.00} direct payment to XXXX has been credited I have uploaded and shown Frost Arnett the  echeck of XXXX XXXX XXXX cashed by XXXX on XX/XX/XXXX to no avail - why dont FA call or write XXXX about the {$200.00} which I wont pay twice XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I requested that Portfolio Recovery provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.

Company response to consumer: Closed with explanation