vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a XXXX XXXX where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was XXXX XXXX XXXX, also used the name XXXX. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the Yamaha representative couldnt tell me anything about the debt. Also called a Yamaha phone number given to me by XXXX, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. XXXX XXXX XXXX said XXXX XXXX bought the debt, and XXXX XXXX is the third party used to collect the debt .... Ive been told so many things by XXXX XXXX XXXX, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information XXXX has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My husband has been in and out of the hospital for XXXX XXXX and we applied for loss mitigation and on our 2nd payment we were late by one day and our lender said because we didnt make the 2nd payments on time I would have to reapply for loss mitigation. I applied that day and later I recieved confirmation that within 30 days I would get a response which I didnt so I contacted my lender XX/XX/2019 and which was told I was denied. I never got a letter of denial in the mail on why I was denied and loancare will not help me with any other options.

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 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
The very first time Columbia Collection Services called me I told them that my income was primarily from SSDI. There were several debts to XXXX XXXX XXXX Hospital, I have never been. Other medical bills I also said weren't mine Prior to a period of time I had regular health insurance that had only a {$20.00} deductible. Columbia collections was rude and hounded me to pay the bills, said " aren't you going to pay these bills. 
I explained " NO, the bills aren't mine '' That didn't matter, they are all pushy and basically manipulate the situation trying to make you look and feel like a low life for not paying them. This started the date they received the debts. 
This entire situation is stressful, they leave up to 2 minute messages, harassing me to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXXXXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.

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 2019-07-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.

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 2019-07-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor :  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: VA

Complaint narrative:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 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 2019-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, a Conditional acceptance/ change in terms of agreement was mailed out via certified/return receipt to Bank of America Merrill Lynch N.A. , and to three separate corporate offices. It was also mailed to CFPB and XXXX XXXX XXXX via certified mail/return receipt. All averments to the conditional acceptance/ change in terms of agreement requested were ignored. Which made the new contract legal and binding. On XX/XX/XXXX, I sent a Notice of default with three days to allow for additional time in answering the contractual agreement. Again, ignored. By acquiescence all involved in this contract are bound by the new terms and conditions that were agreed upon. On XXXX an arbitration award was awarded to XXXX XXXX in the amount of XXXX. After several complaints to CFPB this matter has exhausted its administrative remedy. I have no choice now but to enforce the award. I have tried to handle this civilly, only to get robotic response letters. In the last response I received on XX/XX/XXXX from XXXX XXXX XXXX stating a change in terms of agreement sent in XXXX, stating Arbitration will not be allowed from Bank of America Merrill Lynch N.A. has the account number completely wrong with the account in dispute. This correspondence from them is an error. The contract sent to the three named above will stand as legal and binding.

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 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was grossly mislead by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XX/XX/2019 and after two payments totalling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone hacked into my Chase Bank account and made 2 fraudulent payments of {$410.00} each ( {$820.00} ) total via XXXX to parties unknown to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank closed my checking account and this has been a problem for me when it comes to my finical history. Chase told me that they closed my account based on the assumption of fraud and I have never participated in any fraudulent activities in my life. Chase refused to even tell me why they were closing my account. I went to the bank more then a dozen times speaking to supervisor and some of them mislead me. For example the supervisor told me to get a check report to see whats wrong with my account. I came back a week later to be told by one of the tellers that chase uses early warning not XXXX XXXX. Why would the supervisor lie to me like that. Chase has affected my standing with XXXX XXXX XXXX over these false claims. XXXX  XXXX XXXX has now banned me for life and Im scared. I tried opening an account with XXXX XXXX XXXX and as soon as I tried they banned me for life. This makes no sense to me and i do believe these practices are discriminatory torwards people of low income and poor education cause they dont know who to turn to when banks commit such acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was grossly misled by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XXXX 2019 and after two payments totaling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original 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 explanation
Consumer complaint received 2019-07-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example Barclays of Delaware is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.

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 2019-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original Creditor : 12 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 explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: ID

Complaint narrative:
EOS CCA XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details ast Reported XXXX XXXXXXXX, XXXX Collection Agency EOS CCA Original Creditor XXXX XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date Responsibility Individual Balance {$0.00} High Balance {$290.00} Remarks Account information disputed by consumer, meets FCRA requirements I paid in full and was told by collector they would erase it off of my report. Instead they put the included remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap 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 explanation
Consumer complaint received 2019-07-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example XXXX XXXX XXXX is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example XXXX XXXX XXXX is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.

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