vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
My car was involved in an accident on XX/XX/2018. My auto finance company was notified on XX/XX/2018 that my vehicle was a total loss and they told me that they were going to start processing my claim with the gap insurance since it was with them. I received notification on XX/XX/2018 that my account was past due. I then called XXXX to check on the status of the GAP insurance claim. They told me that they had not started the process of filing the claim. I asked why it had not been started since it was almost a month since they were notified of the total loss but no one could answer that for me. I then spoke with a person in the insurance department who started the claim. I was notified on XX/XX/2018 that the Gap policy through XXXX did not receive the proper documentation from XXXX and that they had not been able to contact the insurance rep from XXXX. I called for a week until i was able to reach another person i the insurance department and she resent the documents to XXXX. I continued to receive collection calls and the insurance told me that my account was supposed to be routed to their department and not collections. The gap policy paid out but they only paid a partial amount based on what XXXX  had told them what was left on my loan. XXXX  told the Gap coverage company XXXX that I had an outstanding balance of {$19000.00}, which was incorrect. My insurance company paid {$13000.00}. XXXX   reported to XXXX that they had received an additional {$1100.00} from warranty refunds which was also incorrect. XXXX error caused my Gap insurance policy to only pay out {$4400.00} leaving me with about {$3000.00} left to pay on my loan. I tried to make a payment on the account until the account was corrected but XXXX refused the payment since it was not the full past due amount. Since then I have received numerous calls at all times of the day from multiple different phone numbers from XXXX  collections. The insurance department continues to say that Im not supposed to receive collections calls but my account keeps getting routed back to collections. I have had collectors be very rude and refuse to allow me to speak to a manager even though the notes indicate what is going on with my account. This has destroyed my credit .They have also been calling my daughter who is a reference and is not on the loan.

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 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPL Recovery Solutions
State: OR

Complaint narrative:
I spoke with rep. named XXXX on the XX/XX/2019 and asked for her to email me the details of the debt I owed. I told her once I receive the email I will look into the debt, verify that she and the collection agency she works for are legit, and would be contacting her after a couple of days. She has called my cell phone twice a day everyday since. 
This morning she called and left me a voice mail at XXXX XXXX  which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: OK

Complaint narrative:
I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one. 

We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!! 

We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!! 

XXXX XXXX Good Luck!

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Evidence of payments being made from a XXXX XXXX XXXX account include : XXXX XXXX XXXX- Payment amount {$350.00} from XXXX XXXX XXXX XXXX XXXX- Payment amount {$420.00} from XXXX XXXX ( Account 1 ( XX/XX/XXXX-XX/XX/XXXX ) - Payment amount {$280.00} from XXXX XXXX ( Account 2 ( XX/XX/XXXX ) - Payment amount {$700.00} from XXXX XXXX XXXX XXXX XXXX  ( initial payment XX/XX/XXXX for {$1100.00} check # XXXX from XXXX  ) All accounts paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/2018 I filed a complaint with Owen Loan Servicing ( my Mortgage holder ) because I noticed on my credit report that they were not reporting to XXXX or XXXX, only to XXXX. Since I have an account with XXXX to monitor my credit for fraud, it was easy to get a report. I pulled my credit because I was refused, many times, for simply credit, like XXXX XXXX, XXXX XXXX, XXXX XXXX and even a business loan through XXXX XXXX  due to no credit history. Since XX/XX/2018 I have filed many more complaints. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again in XX/XX/2018. To date, Owen insists they are reporting to all four credit bureaus and even sent me a confirmation number that none of the agencies can do anything with. I have confirmed with the XXXX & XXXX that Ocwen is still not report. This problem is affecting my life!!! Most companies check the credit bureaus other than XXXX and that is the only credit bureau that has any evidence that I have had a home loan for 16 years ... at the rate of {$4900.00} per month ... always on time. My credit score is XXXX but I can't get a credit card. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: MI

Complaint narrative:
Hello, My complaint is for the Pendleton Capital Management Inc. 

My first issue with this company was about two years ago. I originally had set up a payment plan and was intending to get the debt taken care of. I then had an emergency which caused me to not have enough to make my payment, I then reached out to the company to let them know that I was unable to make the payment as discussed. 

I spoke with a representative named XXXX XXXX extension XXXX. XXXX demeaned me, called me a bum, swore at me, told me I need to grow up and get my XXXX together. 

I chose to disconnect the call at this point and she proceeded to call my mother who was a reference on the initial loan, left her a message stating that she has been unable to get in touch with me. 

I was quite upset, my mother ended up calling back and speaking with XXXX supervisor. She then reached back out to me and apologized on XXXX behalf and said that they would delete my mothers information and that XXXX would be reprimanded. 

I then did not receive any more calls for about the last two years. Today I get a voicemail from a gentleman named XXXX XXXX, I returned his call to his extension and left a voicemail. I then called back to speak with someone who was there so that I could figure out what this was in reference to. XXXX XXXX answered the phone, of course I disconnected the call immediately. I then called back and smoke with another supervisor, to whom I explained the previous situation and requested that they do not contact me again. I told them that they are not allowed to harass me as it is in violation of the FDCPA and that I would be filing a claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I started a dispute with Equifax on XX/XX/XXXX regarding a collection account that has been reporting since XX/XX/XXXX. I was unaware of this debt and specifically asked for verification. However, on XX/XX/XXXX they responded with a letter saying the account was verified with no supporting documents. 

I then submitted another dispute on XX/XX/XXXX asking again for any documentation verifying the account. They again responded on XX/XX/XXXX with an automated letter saying the account was verified. Again, with no documentation verifying the account was mine. 

I continued my dispute and sent my 3rd letter asking for verification for this collection account in XXXX, following their response. I again received a letter on XX/XX/XXXX stating the collection account was verified without any supporting documents verifying the collection. 

I continued to pursue Equifax demanding verification of this collection account and sent another letter on XX/XX/XXXX. I received a response on XX/XX/XXXX with the same letter stating the account was verified with no supporting documentation. 

This collection account needs to be deleted and Equifax is not being fair and abiding the fair credit reporting act. 

I can and will provide documents of my letters and persistence. However, the website will not upload at this time for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXX  XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXXXXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase emailed and sent physical XXXX XXXX chase account to my address, stating it was opened up on XX/XX/2019. I immediately called and stated I did not open this account and they freezed/locked the account immediately. They are looking into who did open the account but have not contacted me any further. My credit report shows no other fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
Company has wrote the loan amount off as a loss meaning they got paid for it due to writing the loan off as a loss but still shows on my credit report and are calling me trying to still get paid for the left over amount meaning they are getting paid twice for the delinquent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: MI

Complaint narrative:
My husband was looking for a personal loan XX/XX/2016. We looked at lendingclub.com and inquired about an unsecured loan. We were approved for the loan, but we did not proceed with signing the loan agreement. We did not receive ANY funds through our bank, or through a check. We have documents from our credit union that no deposit was made by that company. I have asked for documentation of the loan, our electronic signatures, emails sent etc, but I have not received any. They are now saying I owe money and have sent me to collections, and I have negative reporting on my credit report. 
I never received a billing statement. On my husband 's credit report, it says that he made 76 % of payments - but we never MADE ANY payments at all because we never received a bill, or even agreed to this loan, but on my credit report, it says we did not pay any payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: FIRST MIDWEST BANCORP, INC.
State: CA

Complaint narrative:
SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: U.S. BANCORP
State: CA

Complaint narrative:
SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
A collection agency named Transworld Systems reported a {$1100.00} collection account on my credit report. Prior to this account appearing on my credit profile, I never received a notice of my right to dispute. Additionally, I have attempted to contact Transworld Systems countless times by phone and fax to find out more about this supposed debt, what it is, and see if I can resolve it. They never answer the phone, nor respond to my faxes or e-mails. I've even tried to go to the address they list as a business address on my credit report, but no one is ever there. I believe this is a mistake, and was placed on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: AFNI INC.
State: NY

Complaint narrative:
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX   XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-XXXX  XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- AFNI ( ORIGINAL CREDITOR IS XXXX XXXX AMOUNT {$850.00} -ACCOUNT #?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-GOLD KEY CREDIT INC -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan servicer is Nelnet. They have usually been responsive in the past but that has recently changed. They no longer provide a chat option that I can find so the only way to contact them is by phone ( absurd wait time, I am on hold right now for 20 plus minutes ) or by filling out the contact form.

So I tried the form. 3 times so far with no response. None!

I work for a public agency and get paid once a month. I wanted to request that my payment date be changed to nearer/after my pay date. I filled out the form 3 times with this request and submitted it but have not received a response as of this date. Not once! How is this possible? How is it fair that I am just talking into the ether with zero response? Why am I held accountable but they are not? This is not ok and there should be consequences for my being unable to manage my account or communicate with those who I am dependent on to manage my account. 
They are setting me up for failure. I just checked my account and it shows that I am late on my payment ( duh, I need it 10 days in the future! Is that so hard? ), and I'm sure there is a nice late fee attached to that. 
Anyway, what am I supposed to do? The citizen is helpless in the tech age with no way to resolve issues. Just a lot of dead air. Next I will contact the Bursar ... or an attorney.

Company response to consumer: Closed with explanation