vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: MO

Complaint narrative:
Called XXXX  and Equifax for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information SYNCB  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details SYNCB XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  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 2018-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Global Recovery Group
State: MS

Complaint narrative:
First a lady called from XXXX and said she was an investigator hired to get information about me and was i aware of a law suit and i told her no. And ask for what company? And she stated she cant tell me so she gave me a number to call which was XXXX and i explained i havent been working in almost a year and she threatened to take further action as in sue me or take me to court after trying to fix the debt. They been calling for months harassing me and other people as well

Company response to consumer: Untimely response
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I very much prefer to receive a paper copy of my statement from Navient each month as I use it as a reminder to pay my bill. I almost never access my account online but somehow my preferences were updated to only receive email correspondences. Because of this change, I never got my bill in the mail and was not able to pay on time. I have very poor internet service and don't like doing my business electronically. I know that I most definitely did NOT approve or request to have my billing statements sent electronically. I understand that it is my responsibility to pay my bills on time, but my late payment is not what my complaint is about. My complaint is that my account was updated without my approval to a setting that I don't want now or ever. I have since changed it back to US mail, but I am concerned that the unapproved change will be made again. I am extremely irritated by this for many reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was just notified that my XX/XX/XXXX complaint # XXXX was status closed based on the FALSE representations by ALLY that this XX/XX/XXXX complaint is a duplicate complaint from XX/XX/XXXX. INCORRECT. The prior XX/XX/XXXX complaint was closed in XX/XX/XXXX/XX/XX/XXXX and involved early XX/XX/XXXX payments that were misapplied. No sooner than this case was closed did the EXACT same problem happen to my XX/XX/XXXX/XX/XX/XXXX payment. I provided a letter from my bank 's ACH processor that confirms the problem and this letter is dated XX/XX/XXXX. This is a totally separate instance of the same styled problem and is NOT in any way a duplicate complaint. I have been awaiting ALLY 's response the my XX/XX/XXXX complaint only to now receive this ridiculous response. It appears that ALLY CSR calls all appear to be transferred overseas to what appears to be the XXXX and they're totally useless in this situation. My credit report score is being severely negatively impacted.

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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I mailed a pay off for my loan on XX/XX/XXXX with Bank Of America ( B.A.C ). I checked my checking account on XX/XX/XXXX and the check had not cleared. I again checked my account on XX/XX/XXXX and the check had not cleared. I then called B.A.C. number on my loan statement and got the XXXX office. The lady there asked where I sent it, I told her whatever is on my statement. She stated that is XXXX office. I suggested she call them and she stated they are not allowed. She suggested I call back on the XX/XX/XXXX if had not cleared. On the XX/XX/XXXX I called back because it had not cleared and authorized her to withdraw it from my account. After she did, I asked her to let XXXX to know and she stated again ( this is a different lady then first time ) that they are not allowed to contact them. She stated that since it is paid off they will not process and will tear it up. On XX/XX/XXXX, I checked my bank account at XXXX XXXX, and was shocked that the check to B.A.C. had cleared. I immediately called B.A.C. and this time was connected to South Carolina and they said that they were not allowed to call XXXX and nothing they could do but would refund the money by sending a check on XX/XX/XXXX. I immediately went to XXXX XXXX, to have them to return the check and showed them I had paid B.A.C on XX/XX/XXXX by direct withdraw. The new accounts person said she couldn't do anything. I mentioned to her under Federal Reserve operating Letters they have 24 hours to return a check. She asked the Manager and he told her that XXXX XXXX is if posted they could not reverse it. My wife and I are both retired and this type of arrogance and lack of following the law is what I thought was your purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax enclosed letter and not removing a temporary credit lock on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX consistently contacts me regarding a debt that has been settled for over 7 years. I have blocked all of the phone numbers that come thru, most recent number was XXXX. They have called me as early as XXXX XXXX and on Saturday 's and Sunday 's. At one point they were calling me 7-9 times a day. As this has been going on for the last 10 years, I have finally reached a point where it needs to stop. When I call them to tell them that it has been settled and to take me off of the list, they place me on hold and then hang up on me. I have spent too many hours on the phone trying to get this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NM

Complaint narrative:
This account was opened by my ex-wife. At this time, we did not even know each other. We did not get married until XX/XX/2009. I never signed for this credit card, charged anything to it, or accepted any type of financial responsibility for it. My ex-wife filed for bankruptcy, this account was included in that. It wasn't until then that the company attempted to collect from me. My credit it flawless except for this and one other account with the exact same circumstances.

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 2018-05-15 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i made 2 purchased from XXXX  each totaling XXXX.XXXX  charged my Amex card twice.My card showed charges of XXXX each and then one charge of XXXX which totals my original purchased.I contact both XXXX   and Amex and explained the issue.XXXX tells me that theres no hold and AMEX should fix the account issue.Amex refuses to address the issue and credit me the XXXX that has disappeared.I contacted them and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a garnishment regarding an old collection debt that went into judgement in XX/XX/XXXX. The debt was turned into a judgement in XX/XX/XXXX with the law office, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, in XXXX, GA. It was cancelled onXX/XX/XXXX. The law firm XXXXXXXX XXXX XXXX, XXXX in XXXX, GA - XXXX, filed another judgement on XX/XX/XXXX. The debt went into collection in XX/XX/XXXX. I have not heard from this company for 11 years. The company that says I still owe them money is Capital One. It has been 17 years since this debt has gone into collection. When I spoke to their legal department, they were no help. They have began garnishing my wages as of today. I moved from XXXX  4 years ago. I now live in XXXX. I was not notified about them garnishing my wages until I received the letter from my company 's XXXX division. When I spoke to Capital One legal division, to XXXX XXXX - Supervisor - XXXX ext. XXXX. I told her that I moved to another state and that I have contacted my attorney. I told her the debt is 17 years old. She tried to make it seem as if the debt just occured within the last month. I am a single mother with XXXX children and I can't afford to have 25 % of my wages taken from me. I have included the documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These all go to house phone XXXX this is just sample over last approx two to three weeks going on. there are numerous to my cell phone also. Some how they have gotten my dads number XXXX harass him with calls and I do not talk to my dad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Diversified consultants is reporting a collection account to all three credit reporting agencies. I have never had an account with diversified consultants. In the notes for the account it says that I had an account with XXXX. I do not owe XXXX or diversified consultants anything. I have not had any service with XXXX since XX/XX/XXXX. Diversified Consultants in reporting the debt is as new as XX/XX/XXXX, which is wildly inaccurate for two reasons : I do not owe XXXX or Diversified Consultants any money and I have not had an account with XXXX for almost a decade. This seems like a shady practice to collect debts that are not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Since XX/XX/XXXX I've been inquiring of my mortgage servicer MyLoanCare/ XXXX XXXX XXXX /XXXX XXXX to provide me copies of my loan modification documents. They modified the loan by lowering my monthly payments after going through a long short sale. I've spoken with them over the phone and sent several emails with specific questions related the note, amortization schedule, deferment and related requests. 

To date they have yet to provide me a copy of my loan modification documents or answer all my requests and questions even after reaching out to a number of their employees and contacts.

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 2018-05-15 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In XX/XX/XXXX I received a letter from the XXXX County ( IN ) Clerks Office that a judgement had been ordered on behalf of Midland Credit Management , Inc. We got this debt paid off & received a letter from the law offices of XXXX , XXXX , XXXX, XXXX  XXXX XXXX XXXX . The letter was dated XX/XX/XXXX & signed by XXXX XXXX XXXX, XXXX, IN office. The letter states " As attorney for the creditor on the above account, I certify that the above account has been settled. '' I am trying to purchase a home. The closing title company shows this as an open debt being reported still by the XXXX County ( IN ) Clerks office. I have been trying since XX/XX/XXXX to get this resolved. MCM agrees that the debt is settled but can't seem to get anything to the title company or the clerks office. We have had to re-scheldule the closing twice. Next closing is set for XX/XX/XXXX, assuming this matter is resolved. The title company has three pages of notes from talking to numerous supervisors at MCM. The only thing they are told is yes this debt is settled but the paperwork takes time. Remember, the letter from MCM 's attorney is dated XX/XX/XXXX. 
Can you help???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information XXXX  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On or about XX/XX/2018 I had a telephone conversation with a representative from USAA savings bank concerning an XXXX XXXX card to inquire as to why they dropped my credit limit from XXXX to XXXX having never been late on payments and having just the previous month paid the account in full. The woman with whom I spoke couldn't have cared less about my concerns and was rude. The next day USAA reports to all 3 credit bureaus that the balance is now nearly {$4000.00} 150 % over my new limit. My balance is XXXX. I called them to ask them what was going on with my account and was told that the credit bureau must have been hacked. I said ALL THREE?! I filed disputes with them and the 3 reporting bureaus. I also filed a complaint with the CFPB as I believe that this was done out of malice. Their response to you was full of lies. They said XXXX XXXX had attempted to contact me, which he did, with one message in the mobile app. I returned his call and left messages and sent him messages on the secure app. He ignored all of them. Today I get a call from someone who states that they are going to investigate. The problem!!?? WHAT?! Their response to the CFPB was that they have corrected the mistake. They are just starting? I wish to press this issue until it is resolved, I would request that the CFPB NOT close this complaint until it is. I also request that your agency investigate the matter as I do not feel it was in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am the sibling of a person who owes a debt to this collector. The collector is using skip tracing to locate family members and is calling harassing us for the whereabouts of the person who owes the debt. They have repeatedly called my home number. There is no way possible my sibling has this number listed to them as a reference because he himself does not know it. I have asked that they not call only to turn around ten minutes later and receive another call. They should be addressed for improper debt collections methods. They should have recorded calls with me for XX/XX/2018 @ XXXX advising them that they should not be contacting me regarding a debt and I don't have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
cant access my financial information online

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card account is paid automatically from my checking account. The payment is scheduled to be paid on the closing date which varies between the XXXX-XXXX of each month. The XX/XX/XXXX statement due on the XX/XX/XXXX was made on or about the XX/XX/XXXX in the amount of {$3900.00}.

For reasons that seem to be unknown, a duplicate amount of {$3900.00} was withdrawn from my checking account XX/XX/XXXX, 4 days prior to the statement closing date leaving my account with a credit balance. The statement balance was {$1800.00} When I called on XX/XX/XXXX to inquire why the unauthorized withdrawal from my checking account, the representative was unable to explain how that happened. I requested the unauthorized withdrawal be returned to my checking account. I was told it would take 3-10 days to verify that Bank of America had in fact received the funds and to return the funds to my checking 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 monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have two credit cards with Captial One. I also use their credit monitoring service " Credit wise '' among also belonging to Credit Monitoring with XXXX and XXXX. 

I noticed that my credit card balances have not been updated in quite some time. In particular my balances were last updated XX/XX/XXXX. When further investigating when balances are updated accoriding the the close of my billing statement, I noticed that they were not correctly reporting the balances timely per the billing cycles, and therefore, my credit score does not update to the score that would most accurately reflect my credit usage. 

I reached out to customer service through the Capital One Chat service, simply explaining the issue and asking them to update my balances accurately. The customer service reps simply denied the ability to do so stating that they can not change their policy as a courtesy to me. I was not asking for a courtesy, I was simply asking them to accurately report my balances for XXXX per the Credit and reporting Act. They simply did not and refused to update my balances even though they were reported 100 % incorrect. Instead I was advised to wait an additional month to see an update - but by then I will have paid my cards down even more so and it will still be incorrect! 

I feel that my consumer rights to have my balances reported accurately and timely has been violated and capital one does not seem to care very much to update them for the correct Months billing cycle - even though its the law.

Company response to consumer: Closed with explanation