vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Medical debt
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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
An account representative from Phoenix Financial services ( as ) organization contacted my wife on her cell phone ( without authorization XX/XX/2019 ) and threatened arrest at which point she paid. 

They had called me on my cell in XX/XX/XXXX at which point I requested that they send documentation in writing for me to review with their client and insurance company ( which I never received ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Outstanding loan was under Sallie Mae which was sold to Navient. When trying to lower monthly payments, received threatening and harassment from their collectors. Belittling comments made on how I was not paying attention to this matter and how they were going to ruin me and my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spoke to a Chase representative on XX/XX/XXXX at the bank branch ( in XXXX area ) about a balance transfer interest charge ( {$10.00} ), that has occurred monthly in slightly varying amounts. He learned from the Chase AARP representative that the charge goes back to at least XX/XX/XXXX, and they would further investigate. 

Upon request, I received the XX/XX/XXXX statement ( most recent statement ) in paper form dated XX/XX/XXXX. I also received 2 letters ( attached ) from AARP Chase which do not clarify the situation. They mention amounts of {$100.00} and {$700.00}, that are NOT explained clearly. 

It seems to me that computer statements have lost some of the specificity of paper statements of the past. I can not imagine paying off a debt at {$10.00} monthly over the course of ten years. I would never have chosen such an option. I do not recall the original transaction. 

Attached are the responses to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: CARMEL FINANCIAL CORPORATION, INC.
State: CA

Complaint narrative:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Thank you!

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 2019-08-31 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: DISCOVER BANK
State: CA

Complaint narrative:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: MAJR Financial Corp
State: CA

Complaint narrative:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I went to XXXX XXXX Hospital last year on XXXX night for an emergency visit. I was uninsured and was billed for over {$1000.00} and was sent a bill by XXXX. It offered to have that bill reduced and it was to {$510.00}. I was resent the bill and was paid on XX/XX/19. Months later I get from a call from a debt collector on behalf of XXXX XXXX Hospital that the original amount was never paid and was sent to collections. I have the original bill for {$510.00}, an email from XXXX XXXX XXXX confirming the transaction and a bank statement for the {$510.00} that was charged to the card.

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 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have a collection account showing on my credit report that I know nothing about with this company The CBE Group. I have not opened anything with them nor do I know who they are. The claim shows an open date of XX/XX/2019 for {$280.00}, now owing {$280.00}. I have tried to dispute this with no success. 

I have not received anything in the mail showing what business this is nor did I receive any collection letters or warnings. This just appeared on my credit. I would like to know what this is and for it to be taken off because I no nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: GREAT LAKES
State: CA

Complaint narrative:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
The Citi website advertises that they partner with XXXX for credit history. I know that my credit union reports my credit score to XXXX so I went ahead and applied for a Citi credit card. I was denied and then when I called to check why I was denied the reason was because I had a limited credit history which was pulled from XXXX. I called the customer service line to ask why my credit history was just pulled from XXXX when they advertise that they pull from XXXX. The customer service representative stated that it is random which company is used and they will only use one or the other. I asked that since they advertised they pull from XXXX if they would pull my XXXX score since that is the one my credit union reports to. The lady said that once they pulled one they would not pull another and I would have never applied for this credit card if I had known that they would not pull from XXXX. This will hurt my credit score all because of inaccurate information on the Citi card  website.

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 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
They ignored me and keep calling ... Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX.

XXXX  . XXXX XXXX, CA XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Thank you!

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 2019-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX   that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX. 
I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days. 
I checked again on XX/XX/19 and the money had not arrived. 
On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone. 
On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to the CFPB about First Point Collection Resources, because this company is reporting a car insurance debt on my credit reports that does not belong to me. In FPCR 's response to my complaint, I was sent a document that claims to validate the amount owed, however, the document actually helps prove my case. My car insurance policy with XXXX XXXX was from XX/XX/XXXX- XX/XX/XXXX. Thus, my payments were do every month on XX/XX/XXXX. My last payment made on the account was on XX/XX/XXXX ( I paid the payment due on XX/XX/XXXX early ). Thus, I was covered from XX/XX/XXXX - XX/XX/XXXX. I cancelled my policy on XX/XX/XXXX via phone call and picked up a new policy on XX/XX/XXXX. This policy covered me from XX/XX/XXXX - XX/XX/XXXX. All things told, I cancelled my policy, prior to the end date of the coverage period of my last payment, and I also picked up new insurance policy that kicked in prior to the end date of the coverage period for my last payment. That being said, I do not owe XXXX XXXX a dime and I XXXX sure don't owe FPCR. I have attached the email confirmation from XXXX which shows when my new policy kicked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have turn vehicle in from account showing and it should be closed I now have a new lease that is open with same company. I need old account to show closed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax needs to be shut down. They are unethical. There are too many dates ( 100+phone calls/letters ) to list on here and they have already inconvenienced me enough and I have very bad XXXX conditions. They can give you a log. Bottom line ... .This is not my account! I provided proof ten times. They keep playing games! I want XXXX XXXX off of my Equifax credit report ASAP! Next step ... I'm calling every media outlet. I am tired of these people getting away with ruining people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: OH

Complaint narrative:
I have turn vehicle in from account showing and it should be closed I now have a new lease that is open with same company. I need old account to show closed paid in full.

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 2019-08-31 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: OH

Complaint narrative:
I have turn vehicle in from account showing and it should be closed I now have a new lease that is open with same company. I need old account to show closed paid in full.

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 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I made the mistake of allowing a " friend '' to deposit a XXXX XXXX check into my account without knowing what XXXX XXXX is and it turned out that I was scammed. I bank with Columbia State Bank ( routing number XXXX ) and they have had my account locked for almost a month now. XXXX ( female ) is the " Investigator '' on my account with Fraud Investigations. I wrote in my online banking all of the information I had ( where the check came from, the phone number of the person who deposited it and signed my name on the check as I did not sign that check which should be obvious looking at the signatures, etc. ) and despite how quickly the case should have been solved, XXXX did not even consult with me for information or even investigate anything at all regarding my account until I spoke with her yesterday about being able to withdraw my paycheck. I could tell that this was the first time she actually looked at my account. I posted the information on my online banking message center where I was informed by the bank ( and this is all in writing ) that Fraud Investigations has access to those messages, thus those messages should have been looked at by XXXX long before this. This is now 2 paychecks ( out of three that have been direct deposited/ACH from the same company, one of which covered the scam check 's result of a negative balance ) and a loan that I've had to jump through ridiculous hoops just to withdraw the money I rightfully earned. Before XXXX decided to ask me any questions about what happened, she decided they were closing my account for good and I requested they keep it open long enough for my paycheck to come in two days later ( which was yesterday ). So I spoke with XXXX yesterday at XXXX XXXX and she said that once the direct deposit from my job hard posted, I could withdraw my money. The only Columbia State Bank open on a Saturday is an hour and a half from where I live, but I drove there anyway, which does require transportation costs and irreplaceable time, because XXXX said I could withdraw it once it hard posted. XXXX failed to put a note in my account allowing the tellers to give me my paycheck just like she failed to investigate the case in the first place. I'm very dissatisfied with the carelessness, laziness, selfishness, inadequacies and lacking of intelligence that takes place in this Financial Institution 's Fraud Department and this is not going to be my final complaint. I also plan to post reviews and respond to surveys and make it very well-known how this bank handles customer finances until I have the satisfaction of knowing that XXXX has been at the very least reprimanded and faced with disciplinary action for her failure to actually do what my money paid her to do ... My money that she prevented me from accessing even though I, unlike her, actually do my job. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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:
EXPERIAN -XXXX XXXX XXXX****inaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX  XXXX XXXX***Re-aged Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXX***inaccurate High Balance of {$1700.00} XXXX XXXX****inaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

XXXX XXXX XXXX**** ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I purchased a used from you XXXX XXXX XXXX. In less than 3 weeks, we had to return the car twice. I contacted the you as well as XXXX. You didn't want to help us with the car, so we surrendered the car because the car was no good. YOU the dealership didn't give us a buyers guide and the car was in an accident. Lots of info was omitted.. If we would have known this, we wouldn't have purchased the car. We disclosed this with the bank and the car was sold at the a auction. I didnt even have the car for a month when it was returned.. plus .. we didnt even know the timeframe for it to be returned. This account is already settled needs to be delete. I got my down payment back. Fix my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sierra Holdings LLC
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me.

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-31 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: CA

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST EXPERIAN WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EXPERIAN COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.

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