vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: AR

Complaint narrative:
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,

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 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY   has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from CHOICE RECOVERY  but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than CHOICE RECOVERY is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, ACCT. BAL : {$16.00} ( this bill has been paid through health insurance ) 2. ACCT. NAME : XXXX  XXXX ACCT. BAL : {$40.00} ( this bill has been paid through health insurance )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I got a XXXX card in XXXX of 2017. I always pay my card with online banking. My money always went into the correct account until XXXX of this year, when the money went into a canceled account my ex-husband had. I contacted XXXX XXXX  and told them what happen, in XXXX when I fiqured out what happened. They said to contact my bank and have them fax prove that I paid the money so I did. Phone calls were almost daily. I told them that I had had the bank send prove I paid the money and they said it was going to take up to 30 days to get the trtansfer made. Still I got phone calls, ones that were not very nice, and the letters kept coming. Then in late XXXX I get a letter saying I was turned into a collection and my credit score was lowered from XXXX to XXXX. All the while XXXX   XXXX is doing everything they can do to get me to pay it again. Last week when they called me again, they said they needed prove from my bank to be faxed to them. I said I had already done that once but would do it again. Today I called XXXX to see if my money was I there and they said it would be another 30 days.

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 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter. 

This will serve as my second request. - Thank you, 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 2018-08-20 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to Navient to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Sent {$100.00} for baseball game tickets only to never hear from the seller after using XXXX to send the payment via the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against National Credit Ssytems for National Credits failure to provide requested information for the debt alleged. OnXX/XX/18, consumer, received a demand letter from creditor, National Credit. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
National Credit responded on XX/XX/18 with a letter including only statements from the original account. These statements do not show National Credit 's authority to collect on the debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been a victim of idenity theft.

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 2018-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint is addressed to CFPB legal counsel XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and US attorney XXXX XXXX XXXX. Ocwen Loan Servicing ombudsmen XXXX XXXX XXXX and opposing counsel XXXX XXXX have ignored my cease and desist all communication demand I sent in the past. XXXX XXXX and XXXX XXXX have been harassing me and threatening me with embezzlement fraudulent trustee sale during pending litigation which forced me to be apply for assistance with the pretender lender loan servicer to stop the embezzlement fraudulent trustee sale until the court can hear my matter. The pretender lender loan servicer and opposing counsel Brain Pain who are both attempting to embezzle my property responded to my request for assistance. The pretender lender loan servicer approved the bogus manufactured modification to embezzle my home. On the manufactured embezzlement modification approval the documents indicate I have until XX/XX/2018to respond. I don't know why Ocwen Loan Servicing and opposing counsel XXXX XXXX are harassing my attorney sending emails when the manufactured embezzlement modification respond date is, XX/XX/2018. Totally incompetent people that can't read their own documents. I decline the pretender lender loan servicer embezzlement loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I have received numerous calls from Southwest Credit Systems from phone number XXXX ; they have called 10 times repeatedly at XXXX XXXX. for a XXXX XXXX. I called the company and stated they have the wrong phone number, the first customer service person hung up on me. I then called back again and told them they had the wrong phone number and to remove my number ( XXXX ). They again called back at XXXX six more times. As I was writing this I just received another 5 calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I've contacted Credit Acceptance, asking them to verify the debt. Along with all the original documents along with my signature. I was given a balance over the phone of {$4000.00} to pay off my debt. Now the balance is now over XXXX. Despite me contacting them and asking them to verify my debt. They continue to report late payments to my credit report, and have failed to send me any settlement offers or verify the debt owed. I no longer have the vehicle so I'm not understanding why they are asking for a large amount when the vehicle has been sold.

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 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Did bankruptcy in XXXX XXXX on first and second mortgage. Have been trying to refinance on the first mortgage, but XXXX XXXX XXXX put a lien on the first, even though the second was discharged. Haven't gotten help from them, I would like to do this so I can retire.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
CFPB : your pre-defined checkboxes do not have the options needed so I will explain the problem here. 

1. I filed to Opt-Out of credit card offers in XX/XX/XXXX ( 7 years ago ). I then mailed in the form to be PERMANENTLY Opted-Out in XX/XX/XXXX ( 7 years ago ). 

2. On XX/XX/XXXX ( 3 days ago ) I received a mailed offer for a credit card from XXXX XXXX. It had my specific name and address on it. It also included a Reservation number and an Access code so that if anyone had taken it out of my mailbox they could have gotten a credit card in my name ( Identity fraud ). 

3. I froze my credit years ago to protect my finances. 

Why are banks such as XXXX XXXX allowed to ignore the permanent Opt-Out, ignore credit freezes and risk the loss of my entire future for the sake of a quick buck?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My Chase Credit Account was closed on XX/XX/XXXX. I was notified on XX/XX/XXXX when I was trying to buy something and was declined, then tried to contact Chase, that the account was closed. However ... 

On appx. XX/XX/XXXX, I contacted Chase to make a {$600.00} payment, ( I owed them XXXX on 0XXXX  ) since it was past due. I was successful making this payment go through, and my balance was updated to {$490.00} from {$1000.00}. However, Chase at that date NEVER told me my account was closed or in trouble. I did explain to one of the specialists whom she took care of me, that, I apologize that some of my payments never went through, because I was out of country, and my debit card, or account, was basically not working, but I didn't know when I was in XXXX. 


I contacted Chase today, yesterday to get more clarification regarding my account. And I also apologized to them for any inconvenience and hoped my account was reinstated. However Chase wasn't willing to help. I didn't get a straight reason why my account was closed, and I should have been notified when I called them at XX/XX/XXXX, when I was making the {$600.00} payment. I would have only made the {$80.00} payment, knowing at that time my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for the Bank of America Small Business credit card on XX/XX/2018 for my Sole Proprietorship that I just started. I filled out the application selecting Sole Proprietorship as the business type. I did not receive a decision at that time and later received a letter dated XX/XX/2018 requesting more information. 

This letter requested proof of business, verification of legal structure, year end business financial statements and tax returns. They gave me one month to provide this information. They also disclosed my credit score as XXXX, establishing there is no credit issue. As a newly established sole proprietorship, I do not have many of the items they requested as they do not exist and are not required for my type of business. I provided the information that I did have, such as my tax returns, along with explanation of why the other information was not available nor applicable. 

I think received a letter dated XX/XX/XXXX, denying my application. This is before the 30 days I was given to produce the information. The reason for denial was insufficient information on the business bureau- which is not required for a Sole Proprietorship - and business credit references have not been established for a sufficient length of time - which is  discriminatory in nature against new businesses, even those such as mine with excellent 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 2018-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

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 2018-08-20 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: MD

Complaint narrative:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

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