vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One account # XXXX never sent a bill of sale, im in the military, I turn the car in, and they are reporting negative info on my credit ( {$12000.00} ) & I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have 2 separate accounts through Navient, a student loan corporation through the department of education. i have 2 seperate accounts one for {$4300.00} and another for {$2000.00}. one of these accounts if not both shouldnt be open because the dates they have stating i was in school is not accurate nor is the institution. they told me to call the school and verify which i did. the school has no record of me being registered in the dates they gave me. Navient stated the school would have to call and verify which they did. but they still wouldnt remove my account. Navient has had a history of having false open accounts and have been under investigation. i opened up a suit but never heard anything back. Anytime i speak to someone and do as they say they give me another excuse and soimething else i need to do to close my account and it never closes. the school they have on file is XXXX tech in XXXX GA, i wasnt even in the state for the dates they have because i was stationed in another state in the United States XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I bought an air conditioner off of XXXX and it was working perfectly fine until one day it just stopped working. I had to do a return and clearly explained to the customer service representative that I no longer have the account and no longer associated with Bank of America. He said that we will send the funds to Bank of America and they will send me a check of {$120.00}. So I called Bank of America and they said since you closed your account we can no longer give you any funds so now Im in a situation where I cant get my money from anyone

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband and I submitted an investigation request to Equifax. My husband received his response a couple of weeks ago like he should have, but I have yet to receive anything from Equifax. They were supposed to send me the results within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I am completely outraged right now. There is a glaring error on my credit reports that needs to be fixed literally as soon as possible. My family is on our way to owning our first home, and this is really preventing us from accomplishing this goal. 

I have attached a copy of my credit report that shows this error. XXXX XXXX is showing I still pay monthly for a car that has not been in my possession for over 4 years! It shows we make a monthly payment of {$540.00} to XXXX XXXX, and we do not! Since this is reporting this false information, I would like Chrysler Capital to be able to prove this! But I'm 100 % sure they can not! 

How can a charged-off account show a current payment? This is just ludicrous. Everyone knows charged-off accounts are supposed to show a " {$0.00} '' balance anyway. And that is wrong as well! 

Apparently we are not the only victims of this company. XXXX has a 1 star review with Consumer Affairs, and XXXX customers has an 1 and  a half star rating as well for XXXX XXXX. Attached is the proof for this as well! 

This needs to be removed from my report ASAP! It is inaccurate, and throwing off our debt-to-income ratio, and now we can not be approved for our dream home without it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As of today, XX/XX/XXXX I recently received an update from XXXX XXXX in regards to two new hard inquiries showing on my report from someone attempting to open an acct at XXXX as well as Capital One that I did not appprove on XX/XX/2018. I have contacted the companies and was provided with this website to follow through with the dispute. Im unsure of who the person was since my wallet has been lost/stolen since early XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have been receiving countless certified letters and phone calls from Pressler and Pressler stating I owe them for old debt. This debt was charged off by the original creditor and sold to them for pennies on the dollar. I have attempted to speak to them about the matter multiple times without success. I asked for them to provide me with the original signed contract, a copy of a statement, and the exact charge off amount, and have yet to hear anything in reply!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
The lair representing this criminal ( find guilty inside the superior court ) consider false information provided t you even by the DOJ, USA Inspector General How ling this incompetent continue to lie thinking that we do not keep record Copy of this lair garbage was sent back to DOJ and USA Inspector General to Ethic committee and PA Attorney General We need to close this criminal looting organizer so no other family with no financial obligation will go through the same criminal activity from this lairs ad cover up garbage firm What this Phelan Hallinam did was criminal, vicious and malicious done again in a top secret close door knowingly that I will be in XXXX in order to prove that most documents fabricated in XXXX by XXXX are used in USA to defraud families. XXXX XXXX this is your chance to put back allstolen by you private property before I win the case. After it, there will be criminal charges againt your criminal activity done intentionaly in a top secret close door knowingly that my property is located inside a close in community and in case you do not have ( temporary in my case ) the Deed you do not have acces inside the community. I pray that one of the incompatant lawyeres from XXXX or Phelan will try to protect you inside the Criminal Court. XXXX and in particular XXXX knew this and did their best to abuse the system and if you do not put back my private property we will have many years in criminal courts count on it. This was possible because the Greek running XXXX XXXX ( soon will be replaces ) XXXX XXXX XXXX XXXX order it as confirmed by pettifogger assistant XXXX XXXX XXXX of Law Firm Phelan Hallinan in his deceiving and covering up letter sent to CFPB. I mention the word Greek is because the Greek people are well known of having honor, dignity, decency and respect for humanity but not this one from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc.
State: TN

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: VA

Complaint narrative:
I consolidated my loans with a company called Ameritech Financial and signed up on XX/XX/XXXX. They started charging me fees on XX/XX/XXXX and told me that these payments would go towards paying down my loan. They told me if I kept paying through them for 25 years that whatever I had left to pay on my loans would be forgiven. I paid them all the way up until XXXX of XXXX and they charged me a total of {$2900.00}. The FTC sent me a letter stating the company was a fraud and was not paying our loans. I went to log into my loan service provider XXXX and saw that they had not made any payments on my behalf, but just simply put a forbearance on my account. I called them today XX/XX/XXXX to cancel my account with them and they said they will get customer service to call me back within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Trans-Fast Remittance LLC
State: TX

Complaint narrative:
I set up a new account with Transfast to make an international transfer. Upon setting up the account, Transfast required that I login into my bank account in order to to verify me before processing the transfer. I was notified by email that their account security team would verify my details then process the transaction. Hours later, I received an email stating my transaction was cancelled bc their security team could not verify me. I called and was not given any other details besides the account had been cancelled. Their staff was very unprofessional when I attempted to escalate the call, I was told the supervisor would be in a meeting until XXXX. Basically, for the remaining of their shift. No one is giving me details for why my transaction was cancelled and account disabled, when they have very sensitive information of mine. I am now concerned that this company has access my bank account details and I have no clue what I formation they have or how it is stored in their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: TN

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against BERLIN WHEELER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I was notified that I have an unpaid debt by my credit monitoring company that was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX to XXXX  and XXXX by Credit Bureau Sysyems. Even though I had previously wrote on XX/XX/2018 to Credit Bureau Systems ( CBS ) within the thirty days after receiving a collection letter by CBS that I had paid this debt and was disputing this debt. I did not think I owed this deductible as all deductibles are collected at the office and I was told at the doctors office that I did not owe a co-payment. I ended up paying the debt to avoid it being turned over to a collection agency by XXXX XXXX. I paid this debt on XX/XX/2018 directly to XXXX XXXX who assured me that my account was good standing and to ignore the letter I have received about my debt being turned over to a collection agency. 

XX/XX/2018 and XX/XX/2018 Source XXXX  Source XXXX Company CREDIT BUREAU SYSTEMS INC Payment Status UNPAID ( UNPAID ) Status Date XX/XX/2018 Balance {$50.00} Address XXXX XXXX XXXX, KY XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was sent a letter of notice stating that I need to pay my past due payment of XX/XX/XXXX by XX/XX/XXXX to avoid negative reporting to the Credit Bureaus. I had a problem before with XX/XX/XXXX payment because I was unaware of Capital One reporting policy, so I didn't want to get another late on my credit report. 

I made the payment to capital one as always through my checking account on XX/XX/XXXX. It was marked as paid when I checked it the next day. 

( My XXXX, XXXX and XXXX, XXXX credit report didn't show a XXXX, XXXX late payment at all. It wasn't unit XXXX 's credit report update it had showed XXXX late payment, this is the only time I saw that my payment was marked as a late payment. this took 2 months for them to know this. 

I assure you I had done everything right on my end to make this payment on time. I didn't want this to hurt my credit report badly. ( just about everything is automated and very little human intervention is involved. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I took out a loan with Speedy Cash somewhere between XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/XXXX and contacted Speedy Cash on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from Speedy cash until I blocked their number on XXXX.They have now reported me to a collection agency called XXXX XXXX XXXX and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and Speedy Cash was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for Speedy Cash.He asked me to verify my information and I responded I will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: CA

Complaint narrative:
Corelogic aka Credco has placed a tax lien on my rental history report. It does not show on my none of my credit reports from the 3 bureau 's. I have since been on a paid installment agreement with the IRS. The amount being reported by Corelogic is inaccurate.

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 2018-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
Good afternoon- I am writing because I honestly think this company has been scamming customers- The caller ID identifies them as " scam likely '' I got a payday loan in XXXX of 2017, XXXX- I have had this company take out the wrong amount-they claimed that they " neglected '' to activate the notification that would allow me to have a reminder before they casually took my car payment, when I was only expecting a XXXX payment- I know I have since repaid this loan yet they continue to say the interest rate is charged for every day this loan goes unpaid? How do I ever get this repaid if they charge me daily for some revolving interest-sounds highly suspect to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: NJ

Complaint narrative:
I HAVE BEEN PAYING AMERITECH SINCE XXXX OF 2017 ... THINKING THAT THEY WERE HELPING ME, I THOUGHT THEY WERE PAYING MY FEDERAL LOAN, BECAUSE THAT IS WHAT I WAS TOLD IN THE BEGINING. I HAVE BEEN PAYING THEM XXXX DOLLARS A MONTH UNTIL I RECEIVED A LETTER FROM FTC ... I HAVE NOT RECEIVED ANY HELP OR SERVICES TOWARDS MY FEDERAL LOAN ... I FEEL SO XXXX  I REALLY THOUGHT THEY WERE HELPING ME PAY MY LOAN ... I DONT KNOW WHAT TO DO NOW I HAVE GIVEN THEM SO MUCH MONEY FOR NOTHING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I still have not received my bonus per the conditions outlined in HSBC 's response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
I requested a copy of my report free as i was denied credit from XXXX on XX/XX/2018 based on their report and the response was that i have already recieved my free annual credit report. i called them and explained that i am requesting another one due to an adverse action against me based on the information they have on me. i was told i still needed to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Purchase items from my XXXX XXXX credit card but through XXXX websight. I returned all items of clothing. I purchase shes 3 pair. only items I kept total $ Payment Payment Date : XX/XX/2018, Payment Amount : {$20.00}, contacted via email bal is incorrect, they ignored and billed me for XXXX when bal was XXXX. I called today and now my bal is over 100.00 reps are rude, refused to help me, added late fees and items I returned. manager claim she would transfer me but hung up. They have no right and refused to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
This complaint is regarding the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX They popped up on my credit reports. Claim I owe money to XXXXXXXX XXXX XXXXXXXX and reported them as my original creditor on my credit reports. I have never heard of this company. I can not XXXX  or find this business anywhere. I asked XXXX to provide proof they exist and they failed to do so. 

They provided an account number with the above XXXXXXXX XXXX   XXXX that is not any account number I have had. They provided an old loan from another company and hand wrote the account number on it. That loan did not match the XXXXXXXX XXXX XXXXXXXX. The date of the last payment date is blank and the Late payment amount is blank. They said they were a debt collector and now they said in my XXXX   complaint they purchased this debt from XXXX XXXX. 

They have robo called me for months, just changing the number slightly and that seems to have stopped with my XXXX  complaint. They threatened to sue me, garnish my wages, show up at my work, contact friends etc. They do not send statements just out false info on credit reports. The only letter they sent was in response to my complaint with them and includes all this inaccurate information. 

I asked them to take this off my credit and they refused to do so unless I pay them money. I said I am not paying money for an account that was not mine. 

I disputed with the credit companies and XXXX XXXX XXXX keep validating the debt as accurate and re-seasons the so called owed debt on my report. They have a principal balance that is not any amount I owe. They do not differentiate principal or possible accrued Interest. They said This debt was for a car and I never had a car loan with anyone but major lenders for my cars. I asked them to provide proof of a car or vin and they have failed to do so. 

They are in multiple lawsuits using the same type of fraudulent collection activity on other people.

Company response to consumer: Closed with explanation