vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MA

Complaint narrative:
Ive seeked a Debt Management company for help paying off my Discover Credit Card. I was charged very high interest even after being accepted into the debt manangement program. I reached out to XXXX XXXX XXXX about this, but havent been helped. Im currently supporting my XXXX father and undergoing financial hardships. I am paying for my college loans as well which is making it hard to pay these debts in full. Id like to get help with the high interest fees Ive been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CFM Group LLC
State: AL

Complaint narrative:
I was contacted late last week about a supposed debt I owed on behalf of my company. Never received any documentation or correspondence prior to this debt collector calling the business. Since I had switched banks, it seemed plausible that it may be correct. I have him my email address and told him to email me evidence of what he was saying. In the email he sent with evidence, he said I have 4 days to pay this amount in full before it goes to the credit bureaus as a collection. Thats giving me 1 week to make the payment in full. A payment that I havent even verified I owe yet. 

This seems ridiculous and like a strong arm tactic to try to get someone to pay something they may not even owe. Obviously, if I owe the debt Ill pay it. But not within such a short period. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: KY

Complaint narrative:
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates :XX/XX/XXXXXX/XX/XXXX I do not recognize this company and have no knowledge of giving  permission to pull my credit.

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe XXXX. None of the info is mine. I thought is was Equifax and notified them. I got a confirmation number XXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with Equifax. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to XXXX. In addition my home insurance is slightly higher as they use this incorrect info too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: MI

Complaint narrative:
I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.

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 2018-03-06 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: CORELOGIC INC
State: KY

Complaint narrative:
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.

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 2018-03-06 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: CORELOGIC INC
State: OH

Complaint narrative:
Never applyed for a refinance loan with any of these companys

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 2018-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My husband, died in XX/XX/XXXX. He had some of his retirement savings in a CD with Capital One 360, I contacted them in XX/XX/XXXX and asked to have the account closed and the money sent to me. I included Death Certificate, Letter of Administration from State of Maryland and a letter of Instruction from me asking to have the money sent to my home address. 

I have contracted them at least 10 times ... Always a Representative says you should have the money in 10 days, or it's " under review ''. It is now XX/XX/XXXX ... .I don't know what to do ... .I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: KS

Complaint narrative:
I purchased a new truck on XX/XX/2017. The truck was in XXXX XXXX, MO. I live in XXXX XXXXXXXX. All transactions where completed with documents sent back and forth via XXXX. The dealer purchased my trade-in sight unseen. Once I had signed the contract the dealer didn't like the final results and there was conflict. The dealer didn't want my trade-in once he saw it. The dealer quit communicating with me. 

Apparently a loan payment was missed. Once I was aware that a payment had been missed. I set up automatic payments online and all payments have been made as agreed to. 

I asked GM Financial to remove the late payment from my credit report due to the conflict with the dealership and the lack of communication. GM Financial has refused. I believe that GM Financial is acting in an unreasonable manner and I request that the late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made an online ACH payment through the Chase Bank website for {$500.00} on my XXXX credit card. According to Chase, 2 minutes after my {$500.00} payment, they claim that I requested for my account to be enrolled in auto pay of my entire balance each month. I did not authorize this and I had no idea that they did this. On XX/XX/XXXX, Chase made an unauthorized ACH withdrawal of {$3700.00} from my XXXX checking account. I contacted Chase and told them that this was fraudulent and they not only denied me but they hung up the phone on me. They did send me a new credit card as if they thought it was compromised. Then, I called XXXX who told me that they had to investigate the complaint. At this time, I was traveling on XXXX military duty and my Wife and Kids were traveling in XXXX Florida. We were all left without access to our own money because of the issue and it has cost us money ever since. Since this has happened, I have made complaints with the Florida Attorney General and the XXXX XXXX County Sheriff. Please help.My leaning lesson is that ACH withdrawals are not protected the same way that credit card and debit card withdrawals are covered by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: ME

Complaint narrative:
I received a bill 8 months after a service was rendered from XXXX XXXX XXXX XXXX, in XXXX XXXX, TX, for {$850.00}. I had contacted them in early XX/XX/XXXX to assist in saving 2 dogs from a shelter ( a site on XXXX to rescue animals ). I agreed to pay a fee of {$200.00} to shelter and return to health these 2 dogs. The first dog was released within a few days but the other dog had XXXX XXXX, which required a 2-3 week board. The 2nd dog was released, transported to me in VA and I fostered them until they were placed in their forever homes. I moved back to my home in ME and didn't hear anything else and assumed the debt was paid in full as a joint rescue mission. Until, I received this startling debt. The invoice indicated the amounts were charged to me in XX/XX/XXXX, months after the services were rendered, 5 months after the dogs had been placed in new  homes. The amount was staggering for boarding of mainly 1 dog. I contested this bill, noting that I had agreed to a {$200.00} debt, which I paid up-front, that I assumed the debt was a joint charity effort in rescuing these dogs and that I was also not in a position to pay such a fee at that time ( unemployed during the 2nd half of XX/XX/XXXX ). 
No response. 
Then, a bill from Capital Accounts shows up to my home in ME with the full amount due on XX/XX/XXXX and I promptly write to them with the same explanation, even offering to pay {$100.00} as a means to settle this unreasonable debt. I sent this letter in the U.S. Postal mail AND I uploaded it on their mysteriously, unfriendly website. 

I did not receive any response from Capital Accounts to my letter. I do however. receive a letter from them on XX/XX/XXXX advising me of the following, " you have not made satisfactory payment arrangements to pay this delinquent debt and XXXX XXXX XXXX XXXX has authorized us to report this unpaid collection account to the national credit bureaus '', which a day later they reported this debt to two national credit bureaus. 

Please help me to get this debt removed from my credit report and force this debt collector to better communicate and work towards resolve of each individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Credit Plus Inc
State: OH

Complaint narrative:
Never applyed for a refinance loan with any of these companys

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase. XX/XX/XXXX to XX/XX/XXXX. Withdrew Euros XXXX in line with the instructions of the organisation. Money has still not arrived in linked account and all linked account details are correct. It is now 3 weeks after the request and process and confirmation receipt that it has been completed. Withdrawal reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: GA

Complaint narrative:
Equifax has refused to comply with the consumer reporting and consumer protection laws. Equifax is reporting an account on my report that has not been officially investigated and verified. XXXX and XXXX has investigated this item and concluded that the item did not belong on my credit file. I've contacted multiple agencies and departments and according to them, they have no contact with Equifax and does not provide information to them. 

How is it that a company who had a data branch and compromised 140 million files can be so negligent and not investigate an item and provide their method of verification. 

How is it that 2 other companies who use the same method of verification file the item to be inaccurate and deleted the account can be wrong, but Equifax can be correct.

PLEASE BE ADVISED I HAVE CONTACTED FEDERAL, STATE COURT CLERKS EACH CLERK HAS AFFIRMED THE FOLLOWING : THE COUNTY CLERK AND COURT DO NOT FURNISH INFORMATION TO CREDIT BUREAUS BY MAIL, ELECTRONICALLY OR BY ANY MEANS THE COUNTY CLERK AND COURT DO NOT VERIFY OR VALIDATE INFORMATION WITH THIRD PARTIES INCLUDING BUT NOT LIMITED TO CREDIT BUREAUS AND ANY OTHER THIRD PARTY BY MAIL, ELECTRONICALLY OR BY ANY OTHER MEANS.

THE COUNTY CLERK AND COURT ARE NOT TO BE HELD LIABLE FOR INACCURATE REPORTING, YOU THE CREDIT BUREAUS ARE LIABLE AND I DEMAND YOUR TRUE SOURCE OF THESE ACCOUNT AND DEMAND THAT THE INACCURATE, UNVERIFIABLE ACCOUNTS BE DELETED IMMEDIATELY. 

XXXX VERIFICATION MANDATES METRO 2 COMPLIANCE OF ALL DATA REPORTED OR ELSE CLAIM MANDATES DELETED SO DEMONSTRATE VERIFIABLE PHYSICAL PROOF OF VALID CERTIFICATE FOF FACTS TO EVERY ASPECT OF CLAIM, ALL NOTATIONS, DATES, BALANCES, XXXX, CREDITOR CALL, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
They called saying that they were law enforcement threading me, saying that there is a warrant for my arrest, that I will be going to jail and Ill be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have XXXX credit protection through XXXX because my information was compromised through their breach. ( I assume. They've never directly admitted it, just offered me the service. ) There are now two sets of collection notices on XXXX and XXXX from Amsher and XXXX XXXX XXXX. I am not behind in any of my debts. In both instances I never received notice from any firm that I owed them money prior to them placing this collection notice on my report. I was not aware of any debt owed before this. I have disputed these debts in writing with the collection agency and in the instance of Amsher also with XXXX XXXX who Amsher was collecting for. 

I don't think these companies and their collection agencies should be able to phish for me by placing this notice on my credit report prior to giving me actual notice of a debt. I never even received a bill from XXXX XXXX prior to being notified that this collection notice was placed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I started contacting Loancare mortgage company in XX/XX/XXXX about failure to pay my county taxes from my escrow account. I have contacted them 6 times only to be given dates for it to be paid but none of the dates were met. Taxes still have not been paid.

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.

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 2018-03-06 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: LEXISNEXIS
State: PR

Complaint narrative:
On XX/XX/XXXX I sent a Certificate Letter to LexisNexis ( XXXX in order to validate the accuracy of the account which reported by US Bankruptcy Court negative information : US BANKRUPTCY Acc. # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.

Please, resolve this matter as soon as possible and thanks for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Hello. I have A " World Onmi open account affecting my credit big time. I sign off on this card because my ex needed a car. After we broke up I realize that payment was not being made and a few months later the car was repo. Of course it will go on my credit because is under my name but I feel like although I made the mistake to get a car loan I should not be responsible for the remainder balance of 5k+ to be  paid by me. 

Please help! 

Thank You

Company response to consumer: Closed with explanation