vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On Monday XXXX XXXX, 2017, I received an email at work from CreditKarma.com The email subject line read : Youve Got Some Tough Scores, XXXX Upon reading this, I immediately became concerned that my credit scores were bad/tainted etc. I have maintained a credit score of XXXX for some years. I logged on to Credit Karma to discover that indeed, my scores were at XXXX. 

Like many businesses, my work email is monitored and reviewed for compliance to our corporate policy. This monitoring takes place in our IT department. As a senior level employee, I was very upset that employees of my company saw this, and perhaps could have easily assumed that I was having difficulty with my credit. I attempted to contact Credit Karma and there is no phone/email/address for which to make this known.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Charged wire fee {$15.00} on XX/XX/XXXX, NSF Fee XX/XX/XXXX for {$35.00}. A transfer was done XX/XX/XXXX for {$45.00} to cover the negative but incorrect phone number by one digit. Two deposits were made on XX/XX/XXXX totaling over {$1600.00}. Then several ATM transactions put through AFTER the actual date and not when they were truly made and the account was positive. Four of six receipts are included. I 'm looking for other two. XXXX {$19.00} on XX/XX/XXXX XXXX XXXX, XXXX {$10.00} XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XX/XX/XXXX and the withdrawal {$600.00} on XX/XX/XXXX at XXXX XXXX. All these fees total {$150.00}. Three more {$35.00} each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. And there were promised fee refunds for areas affected by hurricane which I was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19 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: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: Pending Company Match
State: NC

Complaint narrative:
I 'm wanting to find out what all these bills and hospital bills are that 's in my name it shows I 've been to the hospital like 3 times this year when I 've not been there in about 3 years if not longer my date of birth is wrong there 's a address on there that I 've never lived at the only thing I should have on my record is from XXXX XXXX and XXXX witch I paid off the XXXX bill and from XXXX XXXX and I 'm just trying to figure out what all the other stuff is on my report it 's causing me a lot of problems in my life thanks

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Tried to get an home equity loan on property an found out there's a lien from previous owner An abstract of judgment for the amount shown below and other amounts due:

Amount :XXXX

Debtor :XXXX XXXX

Creditor :AMERICAN GENERAL FINANCIAL XXXX XXXX XXXX XXXX. which is now one main 

Date Entered :XX/XX/XXXX and didn't purchase till XX/XX/XXXX company refuses to remove

Returned To

Recorded :XX/XX/XXXX

Instr No. :XXXX

of Official Records

From one main

In reviewing the documents you provided, the judgment lien obtained by American General Finance against XXXX XXXX is valid and will remain of record.

Regarding the copies of the two deeds you provided, we are not now nor have we ever been associated with XXXX, XXXX., the grantee on Doc XXXX and the grantor on Doc XXXX.

Regards,

XXXX XXXX, Senior Supervisor Legacy Research Group OneMain Financial
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX | (:XXXX XXXX XXXX XXXX |*: XXXX




From: XXXX XXXX 
Sent: ThursdayXX/XX/XXXX XXXX XXXX To: Legacy Support Cc: XXXX XXXX 
Subject: Lien on my title that don't belong to me!! See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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:
Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2017-10-19 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: NJ

Complaint narrative:
X/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.

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 2017-10-19 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: NJ

Complaint narrative:
XX/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him  ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.

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 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter in the mail on XXXX/17 stating the State of Texas cause no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs Me subpoena for oral deposition as aid to enforcement of execution ... does n't not inform me of who or what this is trying to collect for, no amount stated, no return contact information ... all is says is show up on this date to some office building, not a courthouse an office. am I suppose to just show up and sure let me give you money, if I am summons for court or trying to be sued I need to know for what! I feel this is not a legitimate or legal action that I have been subjected to, is this from debt they purchased for another debt collector that could be beyond the statue of limitations or what is this from?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
my bank pulled up my credit report checking and XXXX XXXX XXXX XXXX come up still oweing them what i done paid off, i went there and they gave me a paper stating it is paid off, no balance they XXXX XXXX stated nothing they could do so, i was told by local credit burea to dispute it.

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 2017-10-19 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: FL

Complaint narrative:
When I received my XXXX statement from Capitol One there were four charges on it from 'XXXX ''. I had no idea who or what this was. When I called Capitol One they said that this waXXXX XXXX which I have NEVER used or even know anything about. They then gave me a phone number to call at this company ( which was not on my statement ) so I called them. The XXXX company could not tell me how this had appeared on my charge card because they did not have a XXXX account in my name. They then said that they would refer this to their fraud department and contact me within 3 to 5 business days. 

This was done on XXXX XXXX and to this date I have heard no more from this company. I just received my statement from Capitol One and no corrections were done to my account. The charges were {$100.00} ; {$100.00} ; {$100.00} and {$48.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I opened an account at BMO Harris Bank. The checking account number is XXXX. 

I was enticed to sign up using a promotional bonus of {$200.00}, payable with these terms : " Well automatically apply the {$200.00} bonus promo code when you apply online. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 

I was not excluded by any terms regarding previously being a customer of the bank, etc. 

After making two {$300.00} transfers from my XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX, I satisfied the requirements for the accounts signup bonus. I waited 120 days from the opening of the account as their terms indicated would be required for the bonus to be paid, but nothing happened. 

On XX/XX/XXXX, I contacted them on the live chat feature, and after reviewing my account, they explained : " After reviewing the account, I show you did not meet the direct deposit requirement. You have external transfer deposits into the account. The direct deposit have to be direct deposits of {$300.00} or more. They have to be payroll, pension, or government direct deposits. 

They are insisting on excluding them because they are external transfer deposits. I believe that the deposits do qualify, as XXXX XXXX transfers can be derived from self-managed pensions, but their system does not recognise this. They are refusing to credit my account with the bonus.

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 2017-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. 
My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). 
Around XX/XX/XXXX I called " XXXX ''. 
They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. 
Today I became aware that they are labeling my acct as past due. 
I 've made several attempts to no avail. 
I need help on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I have no dates other than XX/XX/2017. I have told this collector to stop calling my job and to send me written notice several times and he has done neither. Today when I reminded him again that I have asked him repeatedly to stop calling and that I was going to file a complaint he got spicy and said that he does n't care about me filing a complaint. I hung up and he called my personal line.

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 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
For quite sometime I keep getting abusive and harassing phone calls from Portfolio Recovery, on both my business and my cell phone. These phone calls are multiple times daily. I have asked them to stop phone communication and use the USPS mail to contact me, however they refuse to do so. I have no idea what exactly it is they are trying to collect. This is interrupting my business and my personal life. When I do answer them they use threatening and abusive language and basically do not let me get a word in to tell them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me.

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 2017-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tribal Lending Enterprise, Inc.
State: IN

Complaint narrative:
Repeatable calling me after written cease and desist

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 2017-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I was scheduled to attend school at XXXX XXXX University XXXX XXXX XXXX in XXXX, Georgia. I was enrolled on XXXX XXXX 2004. I did not go to class at this school and I was withdrawn XXXX XXXX, XXXX. I originally signed a signature loan with XXXX XXXX ( now Navient ). My loan funds were not used and Navient is now showing that I owe them over 30k in student loans. I called both parties XXXX and Navient to explain that in this time frame I did not attend school. I keep getting the run around, Navient is blaming XXXX and XXXX is blaming navient. Navient has been calling harassing me about the debit, I did not realize until recently what school the debt was for. Navient took this debt and collected fees based on a 14 % interest rate and started asking for a XXXX dollar payment. I did not use this loan at all I did not attend the school. I am having to seek legal advice to possible sue Navient because I think they purposely did this to collect fund on their high interest rate. XXXX stated they sent the money back to navient but navient is denying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent 4 request for Equifax to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Equifax regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

Company response to consumer: Closed with explanation