vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My Capital One Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from Capital One for a Auto Loan of upwards of {$5000.00}. This is an error on the part of Capital One or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a XXXX payment for a item i sold online the person send me the money i received item was shipped XXXX customer received and loved it a month later TD holds the funds as reclamation and its been pending in my account for almost 3 months now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a new checking account with BBVA Compass Bank and took out a personal unsecured loan for {$4000.00} at the same time. The bank was offering a promotional incentive of {$150.00} when taking the loan offer plus a ACH deposit into the checking account Since I receive Social Security monthly as a ACH deposit into a bank account of my choice. 
On XX/XX/XXXX I received {$50.00} for the monthly ACH deposit into the checking account. However, the loan which was to pay {$100.00} for taking out the loan at the same time as the checking account has not yet been deposited into the checking account as of XX/XX/062018. 
I spoke with a manager who said she would look into it. There has been no action taken on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My son opened a saving/checking account on XXXX, 2018. On XXXX, 2018 I received a statement saying that my sons account was adjusted by - {$220.00}. There was no explanation. I called the bank and they said they would look into the situation and write me a detailed account of why the amount was changed. On XXXX, 2018 I received a letter saying that my dispute inquiry was researched and they have determined that the adjustment was correct. 
I counted the money at the bank with banker two times. We came up with the same amount together. We then waited in line for the teller, and she also came up with the same amount. I have the recept which states the amount that I have deposited. Bank Of America will still not provide me with the information that I have requested.

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 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Radius Global Solutions which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Radius Global Solutions has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Radius Global Solutions. Radius Global Solutions is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This dispute is in regards to the account number ending in XXXX. The account is assigned to XXXX and XXXX XXXX. When we created the online account to setup automatic payments on XX/XX/2017, we spoke to the Toyota customer service representative about setting automatic payments. As the account was being setup, what was overlooked is the fact that the start date of the payment is different from cycle date. They setup the payment cycle system after the due date on the account and made my payment late. From there Toyota financial reported it to the credit bureaus. They reported a late payment and that affected my credit report and score. Im sending this letter so that your department can look into our inquiry and remove the late payment on our credit report. We appreciate the department looking into our concern. Please if there are any questions please contact us at XXXX or at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
1. Opened last XX/XX/XXXX amount : {$19000.00} we see the problem XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: IL

Complaint narrative:
Hard inquiries on my credit report with all credit bureaus and I didn't receive credit from the loan companies and I asked for them to be removed from my credit reports. if no loan was given or credit from the companies they must remove the information or inquiries especially if I didn't apply for the credit and that has a negative impact on my credit score XXXX XXXX Thank you for your help

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 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Sequium Asset Solution which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Sequium Asset Solution has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Sequium Asset Solution. Sequium Asset Solution is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received an advertising in the mail regarding a XXXX XXXX XXXX in XX/XX/XXXX. I called the phone number listed on the advertising and after answering a few questions, I was told I needed to enroll in school as quickly as possible. A few days later, I received call advising me that I was pre-approved for {$20000.00} and since I have a son in school that qualifies me for the loan and they could have proceeded without me been matriculated in school. I was also told that I would need a co-signer. I was excited to go back to school. With no knowledge at the time, I immediately called my dad who agreed to co-sign for the loan. The loan was approved and I started school XX/XX/XXXX. In XX/XX/XXXX, my father was diagnosed with XXXX and I fell behind on my loan. I started to receive phone calls regarding past due balances as so was my dad and son. After a bit of research, I realized that what the representative failed to disclose was that my son was actually listed as the student and not me. I was listed as the borrower, my son as a student borrower and my dad as the co-borrower. I notified the lender that was incorrect that my son was not the student and should have never been on the loan, but they ignored me. I tried several times to get this corrected but to no avail. I struggled throughout the years to maintain the loan, but with my dad 's serious health condition it was difficult. In XX/XX/XXXX my dad passed away and I became unemployed. After his passing, I received documents requesting full payment for the loan from my father 's estate. When I questioned the demand for full payment, I was advised that was one of the condition of the loan and this was included in the promissory note. Sadly, I had never receive a promissory note and no one had told me that either. The phone calls continued and both my son and I have been consistently reported to the credit bureau. Recently, I was connected with the Office of Customer Advocate and I was provided with my payment history and an ineligible/fainted copy of signed documents. Along with a few pages of what is supposed to be the promissory note that I should have had. I am in communication with a third party agent who is requesting full payment from my father 's estate and my son and I are receiving several calls daily from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On my credit report it is showing the same creditors listed 3 or 4 times on my credit score iv filed a complaint and it still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
MY FATHER DIED XX/XX/XXXX & MY MOTHER DIED IN XX/XX/XXXX ... LEAVING THE HOUSE AS AN INHERITANCE TO ME, THE MY MOTHER 'S ATTORNEY PUT THE HOUSE IN MY NAME & I LIVE THERE FOR 8 YEARS WITHOUT MAKING ONE SINGLE PAYMENT ... NO ONE TOLD ME THERE WAS A MORTGAGE ON THE HOUSE ; IN SPITE OF ME HAVING POWER OF ATTORNEY, EXECUTIVE OF ESTATE, OR LEGAL RIGHTS TO THE HOUSE & I NEVER RECIEVED ANY MAIL IN MY MOMS NAME & NEITHER MY NAME STATING WE OWED OR THERE WAS A PAYMENT ... WE HAD THE SAME PHONE NUMBER & ADDRESS & THE COMPANY WHO IS TRY TO TAKE OWNERSHIP OF MY HOUSE NEVER SENT US ANY KIND OF CORRESPONDING COMMUNICATION AS TO WHO THEY WERE CLAIMING THIS ANORMOUS BILL WAS OWE ... THE FINALLY, SENT ME A LETTER IN SOMEONE ELSE 'S NAME & CLAIMED IT MUST WAS AN ALIENS I WAS USING! THE LAWYER WAS IN ON THE SCAM WE BELIEVE WE WERE JIPPED OUT OF OUR MOTHERS HOUSE ... .THE NAME OF THE COMPANY IS OCWEN LOAN SERVICE & WE ARE IN DESPERATE NEED OF HELP TO FILE A CIVIL LAWSUIT TO GET OUR PROPERTY BACK..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/2018 a collection account from The CBE Group Inc-Former was added on my credit report on all 3 Credit Bureaus for an account with XXXX XXXX XXXX XXXX that states it was opened XX/XX/2018. First off from doing my research XXXX XXXX and XXXX XXXX is based and services in California. I have lived in Ohio for the last 2 years and prior to that I lived in XXXX for 7 yrs. and XXXX  for 20 yrs. Not once did I ever have this service provider in those 28 yrs. This came up on my Credit report once before I believe in XX/XX/2018. It was removed shortly after, as this is not an account I opened and also they deemed it as Fraudulent and was removed from my tradeline then magically I was applying for an Auto Loan and this Company added a collection account to all 3 credit bureaus. Now they are " Parking and Re-aging a debt that is not mine. They have never contacted me via mail, phone or any sort of communication. So not only has this account been removed once from a different collection agency due to it not being my account and not mine and not accurate. I want this removed from my tradeline on all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I am still enrolled in school and after every semester, I begin to receive calls about paying my loans and letters. Even though I am still in school they never seem to have an updated system showing I'm enrolled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: PA

Complaint narrative:
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.

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 2018-11-07 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: PA

Complaint narrative:
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, XXXX says XX/XX/XXXX Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, XXXX  says XX/XX/XXXX and Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX  XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.

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 2018-11-07 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: CA

Complaint narrative:
I am filing a complaint on behalf of my sister. She has a medical condition and is on XXXX. She has always been on XXXX in her adult life. What I am now learning is she had credit cards, used them in excess. She owed a large amount of money to a debt collector. 

In fact, now that I have been monitoring her spending, a debt collector is automatically getting money each month from her bank account. 


I am in agreement, my sister never should have been issued credit cards. Even after she was in a debt, XXXX sent her new credit cards. She still wanted to use them because she did not understand how she obtained the debt. Can a debt collector, collect money from her as her income is XXXX income? 


My sister is now in a XXXX home. Can the company continue to collect on her debt? I have called them, but they will not speak with me anymore. They want my sisters signature which we sent, even though it is not a legible signature at this time. The company said they did not have the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/2018, I was loaned {$420.00} by this company. The money was sent to my XXXX XXXX account via ACH direct deposit. While I knew the interest rate was high, I did not understand that it was 639.17 %. The first payment on the loan was automatically debited from my checking account on XX/XX/18 in the amount of {$210.00}. On XX/XX/18 at XXXX XXXX pacific time, I contacted the lender and requested the loan payoff amount. I was told that the soonest the loan payoff could be processed is XX/XX/18 and that the payoff amount would be more than {$420.00}. I agreed to the payoff amount and have authorized the loan payoff to be debited from bank account electronically. I asked the loan representative to send me a statement that includes the following details : The date of the loan, the amount of the loan, the payment that was made, the total amount of interest and fees I was charged and confirmation that the loan has been paid in full. I was told that the only statement I will receive is an email stating the loan is paid in full. 

This company is funding loans in California that are illegal and in direct violation of California 's predatory lending laws. The company is cloaking itself and its actions by claiming the loan is governed ONLY by the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no other State or Federal laws are applicable. I do not believe this is the case and would like confirmation that their claims are true. 

I was backed into a corner financially and felt that I had no choice but to accept the funds offered by this lender. They took advantage of my desperation and I have paid dearly for it.

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