vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the XXXX XXXX, she asked if I was also going to settle or pay my XXXX debt they have from Capital One stemming from XX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay XXXX. I once again explained to her that XXXX can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX. 

Towards the end of the conversation, I requested that she have someone from XXXX, in Authority, to call me and address the attempted collection. I have not received any sort of communication. 

Name of company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you and I look forward to our correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harley Davidson Financial Services Inc
State: OK

Complaint narrative:
Harley Davidson has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account with XXXX was paid in XX/XX/XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hello, I don't want to continue American express card. Still they are charging me annual charges which I need to pay. With out my permission they are charging that amount. 
Date-XX/XX/XXXX talked to XXXX call center guy. {$190.00} has been charged to me .I have already paid my other outstanding charges except my membership fee. When I am not consuming their product how they can charge me for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group recently put 2 new medical collections on my credit. The only way I knew of them was seeing it on my credit report. They didn't send me a notice. Also I am already paying the hospital for these and they were sent to collection in error! XXXX is fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc.
State: OK

Complaint narrative:
Stellar Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am losing my home. My home became default for less than {$50000.00} dollars. I was trying to keep my property by way of loan modification or reverse mortgage. However, the current lender has not assisted me. So I have entered into contract to sell my home. All I needed was a postponement of the auction sale scheduled for XX/XX/XXXX until XX/XX/XXXX the date of my closing. The lender has declined. 
Please note that me " as is Value '' of my property is at least twice the debt that is owed on the mortgage. I don't want to lose my equity in the property at the auction. I received a payoff only good to XX/XX/XXXX. I requested another payoff but have not received it from lender. I never received a face to face with my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. 
The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: Direct Recovery Services, LLC
State: SC

Complaint narrative:
A XXXX XXXX left voice mail threating collection action for non-exsistent debt. A call back indicated debt was of a XXXX XXXX ( Sp unknown ) Call back indicated company was Direct Recovery Services.  Note we do not have any idea who this XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: OK

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Between the days of XX/XX/XXXX to XX/XX/XXXX over 5000 dollars was taken out of my account ( Wells Fargo ). Filed A claim which they told me would take ten business days, XX/XX/XXXX claimed denied. Went to branch to have claim reopened didnt hear from anyone till XX/XX/XXXX, they still denied my claim because my cards were in my possession. I asked numerous times if they checked the atm cameras they said no they didnt. Thats a major issue for me because I work two jobs and hard for money. So I would appreciate if they would do a thorough investigation including checking the cameras of who actually did it. I already left a voicemail and email for help me XXXX so it can go on the news because its ridiculous how they just shove everything under the rug. Mind you, they opened up new accounts for me, what is that supposed to do for me ... .oh and I filed a police report and still nothing. I even told them that I can show proof that I was working both job while all of this was going on. They still didnt want to hear it. I seriously want to close my account with Wells Fargo, its always some XXXX with this bank ... .I even had two direct deposits come in that I couldnt even touch because it was already gone

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 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
Account/Product Type : Mortgage Loan Complaint My mortgage loan has been sold for a 2nd time since XX/XX/XXXX of XX/XX/XXXX, Original loan holder was XXXX, the principal balance prior to the loan modification was XXXX after the loan modification was completed the loan went to XXXX with adding Escrow fees. Then in the process of closing the deal for the loan modification with XXXX the loan was sold to Caliber Home Loans after talking with them about the loan modification with XXXX they honor it and I started paying them the mortgage, Now I get a letter saying the loan was sold again to XXXX XXXX XXXX  as of XX/XX/XXXX received that letter on XX/XX/XXXX mortgage has been sold again to XXXX but the balance was is XXXX what the heck! 
But Caliber Home Loan is still the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation. I have no knowledge of the fraudulent accounts on my Experian credit report. FTC Report Number : 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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: OK

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please have the following items remove from my report they do not belong to me. 
Company : XXXX Account:XXXX Company : XXXX Account:XXXX Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX   Account:XXXX Company XXXX XXXX XXXX XXXX Account:XXXX Amount : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our home was hit by Hurricane XXXX on XX/XX/XXXX. Our zip code, XXXX, was declared a natural disaster area. I contacted my 1st mortgage ( CIT BANK ) to request forbearance. On XX/XX/XXXX, I received a letter from CIT Bank that my partial forebearance was approved ( Attached ) and would receive a contract to sign ( attached ). We signed and returned the contract and made our first partial payment on the date on the contract. I received a Credit Report Alert ( XXXX ) that CIT bank reported my XX/XX/XXXX payment 30 days late. I contacted CIT Bank and reported the error and was told that the contract DID NOT state they were not going to report late and therefore the 30 days past due was accurate and there would be no corrections. I cancelled the forebearance agreement in XX/XX/XXXX and made the additional payments to be current due to the severe impact on my credit score. I submitted a dispute for the late payment with the credit bureau and it came back as verified. My loan was transferred to XXXX as the new servicer on XX/XX/XXXX. I disputed it with XXXX and they will not make any corrections because it was CIT Bank My credit score dropped 40 points because of the 30 days past due on the credit report. Currently I am trying to refinance due to a balloon payment due XX/XX/XXXX and are unable due to a late payment on my mortgage within 12 months. I feel I was tricked by CIT by them not providing all the facts after a Hurricane hit our home. I can not get refinancing to make my balloon payment on my CIT Bank Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation. I have knowledge of the fraudulent accounts on Transunion credit report. 
FTC Identity Theft Report No. : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
onXX/XX/18 I used my BoA mobile banking app to, what I thought was securely, transfer {$400.00} from my account to an individual who was " selling '' event tickets. After I transferred the funds the " seller '' stopped communicating, so I immediately called my bank to stop the payment to which they replied there was nothing they could do because it was through XXXX. For one, I did not ask for them to force me to use XXXX when using my mobile BoA app. Two, this is fraud no matter if I initiated the transaction or not. It was their decision to use a non-secure form of transfer and to not try and fix the issue. If I used my debit card to buy a mattress online and it never came, they would consider that fraud and investigate. this is no different.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX & XXXX XXXX are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
The banking institute called Nationstar ( mr cooper ) has placed a bankruptcy on my credit report, that reports to banking institutions that offer government assistance. They have destroyed my life and cause me to suffer and have my child taken out of school because of the DESTROYED credit they created. I reported this for over 7 months, over and over again and now today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I have a a unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g ,806. Harassment or abuse, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this 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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Had a bill for a {$1500.00} fromXX/XX/XXXXuniversity that I paid on XX/XX/XXXX ( as shown in screenshots from bank account statements ), but they sent that bill to a collection agency XXXX XXXX XXXX who have now added an additional {$500.00}, saying that I owed them {$2000.00}. The date they gave me when I called them was XX/XX/XXXX ... but I never attended XXXX in XX/XX/XXXX, dropped out at the end of the spring semester XX/XX/XXXX This account in collections shouldn't exist.

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