vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Texas law is very specific regarding the manner in which personal property ( including cars, trucks, boats, planes, televisions, washers, dryers, and other household items ) may be repossessed. A creditor or repossession company can not breach the peace when repossessing personal property. Moreover, under Texas law, a creditor is strictly liable for the actions of a repossession truck driver or repossession company for actions which breach the peace.

There was a breach of the peace situation that occurred when 2 people came to my employer. The female made a scene, Raised her voice and I ask the 2 people do not touch my vehicle. Both individuals  did not tell me who they were. MY manager even asked them to leave the premises and as I got in my vehicle they began to lift the vehicle on to the truck and snatch my car keys out of my hand. 

A breach of the peace by a tow truck driver occur because I was inside the car, caused a commotion at my employer and yelled at me at my place of employment : There are various legal claims for breach of the peace during a repossession including : Violation of the Texas Debt Collection Act Invasion of Privacy Unreasonable Collection Efforts Uniform Commercial Code Chase Auto has also reported a negative tradeline on my credit reports and I like to have it removed from every credit report because of the illegal taking of my vehicle at my employer and the creditor is liable for how the vehicle was taken from me. 

I want the negative tradelines removed from my credit reports and investigation into how the company came to my employer and repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: NC

Complaint narrative:
Please reference the letter that I am attaching, that was sent to Equifax on XX/XX/XXXX. I asked them to investigate errors on my report and respond. They were supposed to do that within 30 days, but I have not received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ; within the complaint I questioned inconsistencies that involve my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage. On XX/XX/XXXX, the Consumer Financial Protection Bureau forwarded me a " response '' to my complaint ; this response is submitted by the Executive Office of XXXX XXXX XXXX. Attached to XXXX XXXX XXXX XXXX XX/XX/XXXX response ( as evidence ) is a copy of a XXXX XXXX XXXX, XXXX. promissory note ; this promissory note supposedly correlates with my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage ; the promissory note is not endorsed ( annexed as EXHIBIT A ). 

On XX/XX/XXXX, XXXX XXXX XXXX filed a foreclosure action ( XXXX/XXXX  ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure was subsequently dismissed on XX/XX/XXXX ( in my/Defendant 's favor ). Then, on XX/XX/XXXX, XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  filed a foreclosure action ( XXXX ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure is currently ongoing. The promissory note presented as evidence in the XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  foreclosure is endorsed in blank, signed by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B ) In the matter of XXXX XXXX XXXX, XXXX v. XXXX XXXX, case No : XXXX CA ( 11 ), XXXX XXXX Circuit Court, XXXX XXXX was deposed on XX/XX/XXXX ( annexed as EXHIBIT C ). According to the XX/XX/XXXX XXXX XXXX Deposition, XXXX XXXX testified under oath that she ( a. ) left [ was laid off from ] the Secondary Delivery Operations Department in XX/XX/XXXX ( p 52 ) when the department in XXXX closed and moved to XXXX, XXXX XXXX, ( b. ) No secondary delivery operations were going on in XXXX by the end of XXXX. ( p 64 ). 

Per the XXXX XXXX Deposition : after XX/XX/XXXX XXXX XXXX was no longer a Vice President of either XXXX XXXX XXXX or XXXX   XXXX XXXX, XXXX. As such, how can the promissory note, which XXXX XXXX  XXXX, XXXX. As Trustee for XXXX Master Participation Trust has presented as evidence for the foreclosure action ( XXXX/XXXX ), be legally endorsed in blank by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B )? Please explain this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Repeated calls to personal phone as well as my work phone which have become disruptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I have paid my balance in full, returned all equipment, spoke to representatives regarding the debt collection, and XXXX continues to collect a {$410.00} debt that is not owed. 

This {$410.00} debt has been paid in full since 2016 and should be removed using the full extent of the law and protections that the CFPB grant to consumers dealing with illegal collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
I filed a complaint last XX/XX/2018 against this same company claim number XXXX Today I received this message below : " Hello, once again, this is XXXX XXXX what I attempted to serve you at your residence and your place of employment to gain your signature in regards to the legal documents. However, I was unsuccessful in doing so now, I am obligated under these documents as a director if you will be fine at this point the process will continue without you if you wish to stop any and I'll proceedings please contact the filing party at XXXX. Please reference account number. '' They called from a cell phone XXXX. I called the number and got a message that it was Cordoza and Wexler again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
XXXX XXXX of XXXX, Oregon leased a New 2019 XXXX XXXX to me. Using very stressful and high pressure tactics that included holding my registration for hours refusing to return it to me so I could leave. Eventually offered me a deal to pay off the last 2 payments of my current car lease through XXXX ( XXXX ) as well as pay for my disposition fee that I would pay on return of my XXXX to the dealership. The Disposition fee was added to my XXXX payments over time. They said they were sending the payoff to XXXX and I wouldn't have to worry about it because it would be taken care of. It has been a month and the money never got sent and I am now double paying for cars and still stuck with my XXXX. I have taken time off of work to talk to management and they said it was being taken care of already. Called, emailed and chatted and no one had taken initiative to fix the problem. I am now out about {$900.00} and double paying for the disposition fee with XXXX. I just wanted the company to follow through with what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I was in debt with XXXX. On XX/XX/2019 I contacted XXXX to settle my debt. They agreed to settle for {$100.00}. I made sure to receive an email stating they the account was in fact paid in full from the representive prior to disconnecting. Once I received the email, I disconnected. This past week ( XX/XX/2019 ) I received a letter from a new collections agency stating that I still owe the debt to XXXX and that they are trying to collect the funds from me again. I contacted the new collections agency letting them know that I have proof that I do not still owe the funds and that it was paid. I also contacted XXXX with the same information and emailed them a copy of my bank statement along with the email that stated my account was closed in full. The new collections agency stated they can not stop this account from reporting to the bureaus and that XXXX has to pull the account from them to stop further action.

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 2019-04-29 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
First this company called my father in another state, and when they were told to stop harassing him they then called my cell phone. They are calling for somebody else, another name, yet are bothering and harassing us. Apparently they XXXX names and their XXXX agents go fishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
Oracle Financial Group in XXXX, NY made a credit card charge despite my express instructions not to make the charge. In addition the amount was higher than what had originally be agreed upon. 

I was called a " XXXX '' by one of their employees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I have a Paypal Credit Account. Paypal routinely offers 0 % Promotional Offers and Interest is deferred and not billed if the Principle is paid in full by the end of the promotion. 

Seems easy enough except that it is almost impossible to make a payment and insure that the payment is allocated to the Promotional Balance and not the standard Credit Line Balance. It appears that Paypal is encouraging its customers to default on the Promotion by making it near impossible to pay off and end up getting charged the Deferred Interest. Below is a recap of how difficult it was for me to make this Promotional Balance payment. 

I currently have 2 Promotional Balances coming to Term XX/XX/XXXX and XX/XX/XXXX of XXXX. On the PayPal Website I can easily see my promotions and when they are coming to End of Term. However there is no way to make a payment on the promotional balance. There are no instructions on how to make a payment to promotional balances. I read all of the FAQ 's and read nothing around making a Promotional Balance Pmt. 

Last week on XX/XX/XXXX i called Paypal 's customer service and stayed in the que for 20 min before being disconnected with the automated recording saying " they were experiencing high call volumes and to call back later ''. Today XX/XX/XXXX I called back, waited 10 mins on the que hold before being answered. The Customer Service Rep answered my question on how to " make a promotional pmt '' by saying just pay more than the minimum and it will go towards the first due Promotional Balance. I told her I disagreed with that approach because typically a pmt more than the minimum will just go towards the total balance. She asked me to hold while she talked with a Supervisor. After 10 min she got back on the phone and said you have to make a pmt with me and I file a ticket for my back office to allocate the pmt to the Promo Balance ( which takes 5 bus days to complete ). i made the pmt with her and hung up. 

My concern here is that this is predatory lending. Paypal gives you a Promotional Offer but makes it near impossible to pay off in full ; triggering the deferred interest at extremely high rates 26.24 %. If I had taken the Customer Service Rep 's first advice I would have been charged the deferred interest. Since I was lucky and pressed on the correct pmt issue I now have to wait 5 days for a back office team to post to my promo balance and " hope '' they do it correctly. if I had called 1 day before the Promo expired I am not sure if I would be able to pay in time since the back office needs 5 days to post. This was never explained to me. 

Thank you for looking into this, feel free to contact me. 

XXXX XXXX XXXX XXXX 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 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc.
State: AZ

Complaint narrative:
CBCS is trying to collect a debt for {$37.00} for an injection not covered by Medicare Health Plan Insurance. 

CBCS represents XXXX XXXX XXXX XXXX XXXX for a service of injecting some medication which was not approved by my Medicare Health Plan Insurance as medically necessary needed for my treatment, consequently, I am not financially obligated to pay the {$37.00}. Medicare said that if not covered by my health insurance plan I don't have to pay it since I did not know at the time of the service for what the physician gave such injection. 

XXXX XXXX XXXX XXXX XXXX and CBCS are aware that I am covered by Medicare which is a fixed contracted price service which approves medically necessary medication only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has been allowing XXXX to report false information to my credit report i have requested verification from TransUnion regarding these accounts and they have fail to send me my request the accounts are not mine i have no knowledge

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I don't know why chasebank had to close my card I was sick and had to go to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received this e-mail from XXXX XXXX and it upsets me that Trans Union would inform anyone or business about my personal financial status and payments without my consent. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX To : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX , you paid off an account Your TransUnion credit report shows you paid off your XXXX account. 
See where I stand Well done. This is exactly the kind of thing that will raise your credit score and get you more options in the future. 

Keep on rocking, The XXXX XXXX I not one to complain, but the sharing of ones personnal information is getting out of hand and to a business that does not need to know! 

IS the CFPB aware of this? Is there any chance that you can stop this from happning.

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 2019-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have several inquiries on my credit report when I contacted the credit reporting agency they refused to tell me how to have them removed. Inquiries and companies that I did not know anything about. 

They told me they could do nothing. I tried calling the companies that were placing inquiries they did nothing for me nor returned my complaints. 

Transunion actually offered me a PAID credit protection plan to avoid this problem in the first place.

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 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have contacted Wells Fargo Home Mortgage several times requesting copies of monthly billing statements for the years XX/XX/XXXX through XX/XX/XXXX. I have also requested a copy of the XX/XX/XXXX IRS Form XXXX, which they had until XX/XX/XXXX to issue to me, but have failed to do so.

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank ( credit card company for XXXX XXXX ) falsely claims they have an 'automatic payment ' process. This is incorrect and incurs a late fee as the consumer thinks they are setting up an automatic payment process when in fact the consumer must manage payments manually. A visit to the XXXX  XXXX  website ( XXXX ) shows multiple complaints from consumers who are being misled by this false claim of 'automatic payments '. Further, Comenity customer service states they will rectify the reporting of a late payment due to the misunderstanding ( as occurred in my case ), when in fact they will not which leads to falsely reporting consumer behavior to the Credit Bureaus. Comenity  is negligible in their handling of money, and most likely incurs a very high late fee income when compared to other Banking Cards. Their behavior can only be described as criminal, at best, as they are not conducting the management of their credit with consumers fairly. Date : XX/XX/2017. Amount was {$210.00} when noted as late. Comenity refuses to acknowledge their falsely claimed 'automatic payments ' caused the late notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A dispute was filed with Experian, XXXX and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. Experian and XXXX have not removed the fraudulent information. XXXX XXXX XXXX  sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.

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 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I XXXX XXXX. XXXX sent XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, and unknown inquires.

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 2019-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion file Number : XXXX date issued XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has unknown for payment in the month of XX/XX/XXXX Page 4 of 11 TransUnion needs to update the correct information of XX/XX/XXXX payment was made on time

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 2019-04-29 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I applied for credit at XXXX XXXX and I was trying to get credit or financed for a vehicle. I gave the salesman authorization to run my credit through XXXX XXXX and the salesman ran my credit 11 times. The only one I approved them to run it for was XXXX XXXX. 
Now I have 11 inquiries that I did not approve of.

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