vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management Corp
State: VT

Complaint narrative:
We contacted RCMC about multiple collections by XXXX Hospital. Some of those collections resulted from Workers Comp. medical fees that had not Ben taken care of by an employer. Once that issues was moved, we made a bulk payment on all the small debts to remove them and started monthly payments on the large ones. To date, all six collections remain active on my report which has caused my credit score to suffer. This has stopped us from refinancing our home for the past two years causing great financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: WV

Complaint narrative:
For one thing they didn't tell me when I took the loan out that there was 300 % interest on this loan. Didn't tell me as you go everyday that the loan grows interest everyday. Also I'm on public assistance. And I only get ssi every month. I can't afford payments of {$300.00} to {$400.00} a month. I tried to explain this but no one wanted to help me when I called. Now it's put agaisist my credit. If I could make a small payment a month I have no problem paying for the money I got but the interest is way too much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: MA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: RI

Complaint narrative:
I was advised the day before my dead line that I wasnt going to be able to move forward with the purchase and I wasnt able to get my denial letter from the mortgage company, therefore hindering me from obtaining my deposit back from the XXXX .... the mortgage company manager stated that the loan officer had removed my application from their system prior to leaving the company so they cant provided me with any documentation. My deadline was XX/XX/XXXX and my loan officer told me on XX/XX/XXXX to pull out! Giving me no time to react with such short notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
After paying our mortgage and escrow for over 1 year, our homeowners insurance policy was up for renewal. Loancare/XXXX was properly informed multiple times by the insurance company, including a warning of cancellation for non payment on XX/XX/2019 with the cancellation/renewal date of XX/XX/2019. Loancare/XXXX has ignored such warnings from the insurance company and our endless phone calls to customer service. The homeowners insurance policy was canceled for non payment on XX/XX/2019. 
Loancare/XXXX  has still not paid our insurance policy and is ignoring any effort of contact. Yet they hold all escrow payments. We are now working on a official complaint with the Texas Department of Savings and Mortgage, as well as to trying to find legal counsel to prepare for a law suit against this embezzling company.

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 2019-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I am concerned that I have XXXX-XXXX debt on my credit which is really hurting my score significantly. I once had a contract back in XXXX. I lived in XXXX Michigan in a group home called XXXX XXXX. I was sent to a new placement and lost phone privileges and that cause me to break my contract with XXXX-XXXX. It has been 12 years now since then and the dept keeps getting added to my credit as if it happened XXXX of XXXX. I was a young adolescent at the time and now i am almost XXXX and its still hurting my credit. I was informed that this dept will be off my credit after 7 years. And here i am today having a reaccuring negative remark on my credit as many dept collection agencies keep buying out my dept and refreshing when the dept was sent to collections. I would like to do anything in my control to dispute this dept as i am disagreeing with the date and amount the dept collection agency is stating it accured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
I WAS STRUGGLING TO PAY MY MORTGAGE AND WANTED TO REFINANCE MY HOUSE SO I CALLED MY MORTGAGE MONEY SOURCE AND THEY TEFERRED ME TO XXXX TO TEFINANCE MY HOSE. I WAS BOUNCED FROM ONE PERSON TO ANOTHER. I WAS NOT UPDATED ON MY STSTUS. I HAD EMAILED AND CALLED XXXX AND THEY DID NOT AS NSWER ME. I WAS TOLD TO SKIP A LAYMENT AND I HAVE IT IN WRITING AND I WAS REPORTED TO MY CREDIT AS LATE PAYMENTS WHICH I WASNT CCX AS BLE TO REFINANCE MY HOUSE AFTER I SPENT MONEY ON FIXING MY HOUSE AND PAYING FOR MY SPPRSISAL FEES. I AM SO UNSATISFIED. CAN I DIVORCE MY MORTGAGE COMPANY? I WAS GIVEN OPTIONS BUT IT WASN'T HELPFUL AT ALL IT WOULD MAKE MY MONTHLY PAYMENTS {$800.00} HIGHER WHICH I WAS ALRESDY STRUGGLING TO MAKE MY MONTHLY PAYMENTS AS IT IS. I SM GOING THROUGH FINANCISL DIFFICULTIES AND I NEED AS BETTER OPTTION. I AM NOW 2 MONTHS BEHIND. ON TOP OF THE AUTOMATIVE SYSTEM XXXX IT TAKES ME 30 MINUTES TO GET TO A PERSON.I NEED A NEW MORTGAGE COMPANY BUT I AM LSTE SO I AM STUCK WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PNC Bank N.A.
State: GA

Complaint narrative:
A car dealership fraudulently falsified my original contract and all previous paperwork that I have signed by removing my bank information and get a loan from PNC under my name while I walked in to the dealership with my approval letter from my personal bank that I have been banking with for 10 years. 

Suprisingly, PNC underwriters still approved the full amount of the loan without contacting me while they see that all the documents submitted on my behalf have my original bank name crossed out and my initials were not even provided. 

Since the contract has been modified without my consent and I never signed a loan with PNC, I refused to go pick up the car but PNC still not yet removing the loan from my name. ( I know PNC team is currently working on resolving that fraudulent activity but I feel the process is taking too long before they remove that loan under my name )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
I was contacted by a debt collector named XXXX XXXX from ARA Asset Recovery in XXXX XXXX IL. He said they were trying to collect a credit card debt from XXXX XXXX that was about 15 years old. I made a one time payment to him of {$130.00}. They then sent me two " agreements '' with 2 different amounts due. I did not agree to this but they sent them anyway and kept calling me. These " agreements '' were very confusing and upsetting. I did not enter into any " agreement '' and told them I needed to get more information. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
This account should be in my exhusband name only. During our divorce the final court orders stated that he could keep the home, property or furniture inside the home. But he would be responsible for making the mortgage payment, pay taxes, and other fees for the upkeep of the home. Legal documents were signed to remove my name from this account and the deed. I contacted JPCB Morgan Bank and they had sent him an assimilation packet to have my name removed. He did not mail it back. They stated they would send him another packet, so far nothing. I reached out to my exhusband about the matter, he stated he would fix it, but yet nothing has been done. I have reported this also to the XXXX XXXX XXXX. I will also be filing contempt charges against the exhusband for not taking care of this matter, as well as letting the Judge know that no one is complying with her court orders. Apparently my name was removed from the deed but not the mortgage as the courts ordered. I am trying to purchase my own home and this is preventing me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Prior to filing bankruptcy, I closed by XXXX account and paid off the balance. However, Comenity Bank has reported to the credit bureaus that the account was part of the bankruptcy. It was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. Toyota Financial Services has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then Toyota Financial Services can report the discharge. It can not anticipate a default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX I bank with Chase bank and I been XXXX   by this bank a few years ago while I was XXXX  XXXX I have since XX/XX/19 had a miracle and one XXXX  is almost at a XX/XX/XXXX thanks to the most high and Dr. XXXX XXXX. I had made some check deposits in the past and on XXXX XX/XX/2019 I noticed I was charged all sorts of fees on 11 checks they claim I deposited on XX/XX/19 and they all bounced. As i mention in the last year i did deposit those checks and they would have been the only ones with control and copies. Now .y account ending in XXXX is totally XXXX  up and they refuse to refund my money they returned 3 {$12.00} charges but I still have half of dozen {$12.00} & {$30.00} charges they refuse to take care of Today XX/XX/2019 instead of  celebrating my other halfs birthday I am stuck on the phone with department after department and as I mentioned before I went down this same road before and Chase ultimately just ignored me last time and kept all those fees it is a common practice by them and I am asking for you the proper governing agency to apply the law and investigate I have other XXXX people who bank with this bank and have had similar issues Please help and thank you in advance and I see {$240.00} missing from my linked checking account as a withdraw that I never made so now I am extremely concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. XXXX XXXX XXXX has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then XXXX XXXX XXXX can report the discharge. It can not anticipate a default.

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 2019-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
I previously had an account with Simple and then closed it. Well, now I am wanting to open another and they will not let me or explain the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I just reviewed my credit report I was made aware of a collection account which is not mine. 

I have no knowledge of the XXXX XXXX account nor do I have any relationship with this collection agency. 

I will be submitting a police report to the collection agency and the credit bureaus about this fraudulent account. 

In the interim, please send all signed, original, contract agreements as well as complete account number, date account was opened, how it was opened with whom it was opened as well as all other pertinent information regarding this account that appears under my SSN and credit reports. 

In addition, I need information on this unknown collection agency such as their license number, all pertinent dates on this account, headquarters location, presidents ' name and contact info as well as all information that shows that they are legally a collection agency in their perspective state. 

Thank you. 

XXXX XXXX Cc : Attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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:
A disputable move-out charge of {$950.00} has been placed on my credit file as an unpaid rent. My rent was never late, and I did not owe rent to XXXX XXXX XXXX. North Carolina Consumer office has determined that the move-out charges are disputable and resolution could be through mediation or small amount court settlement, but management of XXXX XXXX XXXX,  without any written notice to me, submitted my personal information to XXXX debt collectors, which filed the incorrect information on my credit. I disputed the information, and XXXX deleted the information from my file. Equifax however has refused to delete this disputable charges from my file. The derogatory information has caused my creditors XXXX XXXX  XXXX and XXXX XXXX creditors, to reduce my credit limit by 30 to 50 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IA

Complaint narrative:
I have worked in XXXX XXXX ( at a XXXX XXXX in XXXX XXXX ) for a decade. I have made 10 years of payments on time to Iowa Student Loan ( now called XXXX ). PSLF will not forgive the rest of my student loans even though I have met all of the requrirements of the Public Student Loan Forgiveness act. FedLoan servicing claims that none of my 10 years of on time payments count because I was paying them to Iowa Student Loan and not FedLoan. I have met all the requirements of the act and still qualify for forgiveness but FedLoan claims to be the sole judge and jury and told me I need to start 10 years of payments over with them. I think this is FedLoan acting in Bad Faith and intentionally denying my claim for {$7000.00} of debt forgiveness while they continue to collect servicing fees from taxpayers while doing nothing except denying legal student loan borrower claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I sold an item on XXXX on XX/XX/2019. Have sold over 4,000 items on there without issues. A buyer got an item, filed a dispute, and never returned the item. The item was exactly as described in the description. The item was a custom industrial printer worth {$1300.00}. I have proof of delivery of the item through XXXX. XXXX charged my XXXX account for the amount of the refund. I disputed with XXXX who reviewed the case and detail and sided in my favor. XXXX then charged the credit card I have on file for the payment of success fees with them for the full amount. I disputed with Capital One over multiple letters and months, but they refused to uphold my charge back rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have an account reporting on my credit that is not mine. I have never seen this account or have knowledge of this creditor. I demand this collection account be removed from my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.

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 2019-09-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: MA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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