vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was left a voicemail stating they were a mediator and my case is in civil court so I needed to contact them immediately. Once I contacted the lady stated my court date was XX/XX/XXXX and she needed to email me the court documents. I explained I do not have a debt. for this amount or with this company and at this point she got very feisty and said she finds that hard to believe since the years were for many years. The agent kept putting me on hold and said she would send me copies of documents by email and that was a lie. The email was a notification letter to collect a debt. 
I called back and spoke to another agent who apparently lied as well by saying he would handle this and believes it might not be my debt and will get me copies of the contracts as well because I requested the proof and he also said he will keep this from the upcoming court date. This agent said he will email me proof and again all I got was a lie and a notice of an attempt to collect a debt. This agent also stated I didnt have to do anything because he was taking care of this but he lied and if I dont respond then I pass the 30 days. 
The agent I spoke to the first time I think was XXXX and the 2nd agent was XXXX XXXX. 
This is NOt my debt and I requested the original contract to prove its me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CA

Complaint narrative:
XX/XX/2019 at XXXX XXXX we received a text from Capital One asking if a {$200.00} purchase at XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. There were two other charges one for {$1200.00} and {$250.00} at the same mall at about the same time. The {$250.00} was deemed legitimate because the card used was used with a chip. 
Card ending XXXX was used by me in our town the same day as the other charges in XXXX XXXX. 
XX/XX/2019 at XXXX XXXX, while in Oregon, we received a text asking if a {$250.00} at a XXXX XXXX in XXXX XXXX was made with card ending XXXX, we replied no. This too has been deemed legitimate by Capital One because a chip card was used. 
Our cards have been duplicated even though Capital One says it's impossible to duplicate credit cards with chips. We have not been to XXXX XXXX in 50 years We have registered this with all three of the credit reporting agencies, filed a police report, paid off the balance and closed our account with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 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: FL

Complaint narrative:
XXXX XXXX XXXX has an account on my credit that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
ASSETCARE LLC has an account on my credit file thats not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery Systems representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: SC

Complaint narrative:
I have contacted this companies regarding the debt that was for validation of debt. 

1stpt I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX, XXXX, and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX   but failed to delete the debt from XXXX  and XXXX. I have threatened to pursue legal actions at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
on XX/XX/2019 I received an email from XXXX XXXX explaining that the 1 % rate reduction payment plan that I was already struggling to pay was coming to an end. The email suggested that I contacted Navient to see about an extension on my plan. It also highlighted that If " your new minimum payment is not within your budget you may qualify for a rate reduction plan extension. '' I immediately called to speak with a representative. I explained that my income had not changed and that I actually had taken on greater expenses since becoming a new mother. I explained that although I'd luckily maintained my $ XXXX/monthly payment It was a tremendous strain on my finances but I was willing to continue that payment until my situation had changed. The representative denied my request stating that my payment would increase to $ XXXX/month because the rate reduction plan is the only option available for private loans and it is intended to be a step up program. The purpose of this program according to the representative is to get me stepped up to the original loan payments of $ XXXXmonth. I explained that this was near impossible with the amount of income I bring in. They refused to go over my expenses and basically told me that I had no other option but to pay the requested amount. Trying to maintain my loan payments ; I have lost my car, received several eviction notices, and forced to work 2 jobs with a XXXX year old child. Navient is the worst student loan organization I have ever known. They have no programs fit for those who are really experiencing a financial hardship. I have been determined to maintain my payments and I have not attempted to deny my responsibility, however, Navients insensitivity and disinclined ability to work with you is completely in-humane and unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 AMT {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2019, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX   Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/2019, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The Home Depot/XXXX '' dated XX/XX/19 that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the Home Depot consumer credit department to advise them of this case of identity theft. However, Home Depot 's automated phone system never let me talk to a real person to report this issue.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Omega RMS, LLC
State: TX

Complaint narrative:
XX/XX/19 XXXX - Omega RMS calls me informing me of a debt from XXXX with XXXX XXXX 

XX/XX/19 XXXX - I call XXXX XXXX. They say they have no outstanding debts with me and have never heard of Omega RMS and do not use a collection service. 

XX/XX/19 XXXX - I repeatedly call Omega RMS trying to explain they have the wrong information regarding this debt. Twice they hang up on me. We never get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Erin Capital Management, LLC
State: GA

Complaint narrative:
In XXXX my first year in college I got a credit card. I didnt use it properly resulting in a charge off ( {$3000.00} ). In XXXX I find out Im being garnished for {$9100.00}. I reached out to the company attempting to collect a debt Erin Capital Management LLC. I informed Erin Capital Management I could settle for {$3000.00}. However they refused my offer. I would like to pay the amount that I owe. If Erin Capital Management is  attempting to collect a debt they should at least be fair about their debt collection practices. They are garnishing 25 % of my wages. Im homeless!

Company response to consumer: Untimely response
Consumer complaint received 2019-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to buy a used car from different dealers. They submitted the info to places they deal with for the loan. ALL of the places denied the loan. My credit numbers are as follows - XXXX XXXX - XXXX, XXXX XXXX, TransUnion XXXX XXXX, XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  - XXXX. 
There is something very wrong here. The numbers make NO sense, I don't know how or who arrived at these figures or how to fix what is wrong since I don't know where the problem actually is. I have been unable to work because I need a car to get to customers which I am unable to buy one. I am just about out of money and without a car I cant earn any.

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 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
Receivable Mgmt Group representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2016 amt {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As of XX/XX/XXXX, I have not received the {$400.00} bonus for opening a checking account on XX/XX/XXXX even though the below requirements have been met. 


Within 150 days of account opening, set up and receive at least three consecutive monthly direct deposits of {$3000.00} each month. 

The below non eligible items do not apply in my case : You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You are a Wells Fargo team member You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months

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 2019-09-17 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: MA

Complaint narrative:
I have sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX  and they deleted that account from my record without further questioning. I also am having the same problem with XXXX as I sent them the same info as well. Both XXXX and Experian is impossible to reach by phone to talk to a live rep to address the problem.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
Mercedes financial 2 yrs ago accepted my lease turn in and then charged me {$1000.00} for extras and I had made all My payments for 3 yrs lease

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey Collection Service representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$3400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then  contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate. 

The car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car. 

I have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it. 

The police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank. 

I am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio Service representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
A couple years ago my wallet was stolen from my car. Ever since this happened, the person who took my personal information has been using it to their advantage. I contacted the police to let them know what happened with my wallet and have been disputing items off my credit reports ever since. The last of the items that were on my credit report is a credit card from Discover Bank. 
I have been disputing this account with XXXX and Discover Bank for months now. I have sent my FTC report to XXXX  and Discover Bank multiple times and the account still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
We applied for a refinance home equity line of credit to do home repairs. We were told that we qualified and we started the process of getting the loan done. After it came time to try and close this, we were told that because we did a modification a year ago, the guidelines were that you needed to be out of the modification for 2 years. That should have been disclosed before we paid {$490.00} for an appraisal and did repairs that were on the appraisal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Saturday, XX/XX/XXXX and Tuesday  XX/XX/2019 I used Chase Quick Pay with XXXX to submit two different payments ( {$700.00} Security Deposit and {$700.00} 1st Month Rent ) that was required to move into a rental I was supposed to move into on Saturday, XX/XX/XXXX. The home owner then tried to get more money out of me and I finally pieced together I was being scammed. 

Since XXXX was offered through my Chase Bank online portal I thought it was part of Chase and I would be afforded protections. 

After I realized I was being scammed I contacted Chase and got the run around finally ending up talking to XXXX in the Chase Claims Dept ( XXXX ). I was told XXXX not a part of Chase and since my payments were pier to pier there was no obligation on the part of Chase to help get my money back. XXXX said I should have read the fine print and XXXX should only be used to send money to people I know. 

If that is the case then Chase should have had an upfront notice stating " You are aware that scam artists and pirates prefer XXXX because there's no recourse after they get your money, and Chase doesn't care ''. 

I've done a lot of research on XXXX since getting scammed and I think it is bs that Chase chose to partner with XXXX, the number one tool used by scam artists because there's basically no verification required to set up an account, and that Chase promotes it as their own internal payment system giving the illusion I'd be afforded the same protections I get with the other Chase family of products. 

I'm also very upset that Chase made it this easy for this scam artist to now have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I received a collection letter stating I owed {$3700.00} for a student loan, school name was not on the letter and Im sure I didnt attend any school in 2001 ... this collection is not mine and my sis is being used ... what can I do to prevent my SS # and name from being used?

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