vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-23 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I obtained a Home Equity Line of Credit with predecessor in interest, Washington Mutual. The loan was secured by a Deed of Trust on my property. On XX/XX/XXXX, the loan was paid in full and a Substitution of Trustee and Full Reconveyance was recorded because the property was sold. 

Even though the account was paid the bank continued to maintain the Home Equity Line of Credit and collected between $ XXXX {$35000.00} in wrongful payment. 

On XX/XX/XXXX after various correspondences with Chase, they agreed to cancel the debt in the amount of {$53000.00} but not refund the payments from XX/XX/XXXX to XX/XX/XXXX. 

I had hired a lawyer but can no longer afford him. He mentioned that next steps would be to sue Chase for the wrongful payment but I don't have the means to do that. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Had my loan transferred from XXXX to LoanCare. 

During the first payment cycle, I sent a physical check and remit slip that came from LoanCare, to their payment center. Check was sent on XX/XX/2019. XXXX XXXX shows received on XX/XX/2019 and cashed XX/XX/2019. LoanCare " can't find '' the payment and has been investigating for 4 weeks now with no resolution. 
Each week I have been calling to check in and the answer is the same thing each time : " we're working towards a resolution and I'd recommend giving it another week. '' I have tried to work out how to make my other payments while this one is investigated and each time I explain the issue with my escrow evaluation changing payment amounts between XXXX and XXXX, the reps mention that their system won't process the payments correctly until XXXX is paid. 

I don't feel like I should have to hold a company 's hand to this extent when I am trying to make my payments as normal. 

Starting on XX/XX/2019 : I started receiving pre-foreclosure letters because of missed payments. I am at a loss of words over this since I am doing everything I can to resolve the situation and get the payments made.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I submitted a complaint to you regarding what I consider to be subprime predatory lending. I filed this complaint on Sunday XX/XX/2019. It was against One Main Financial. Their response to the complaint was that they would respond, per your site, after they look into the matter. Because I sent it on a Sunday, it probably came across their desk on Monday morning. 

Well today is Thursday XX/XX/2019 ( 3 days later ) & I was served with a summons to appear in court on or before XX/XX/2019! They served me more than a month & a week after the deadline for which I was supposed to make this appearance! 

Would the timing of this serving have anything to do with the fact that I attempted to resolve my financial burden through CFPB? 

It is these very tactics, along with the ones listed in my first complaint with CFPB regarding my struggles and inability to meet their demands, that makes it hard to trust in this institution and attempt to begin any kind of resolution, without the assistance of CFPB and the FTC. 

How can I answer a summons, that the deadline was missed before I was ever even summoned? Is this legal? What are my rights?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have opted out of NSF fees at Bank of America. The bank continues to charge fees regardless of their own policy

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 2019-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i'm disputing a hard inquiry which appears on XX/XX/2019 by Capital one on my credit report. After unsuccessfully contacting Capital One i was told that to contact the three credit bureau cause they didn't recognize any such error in their part.i did so however i not see any positive outcome yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
Innovated Recovery Inc. have falsely represented there self by trying to collect from me money that is the wrong amount and for the wrong apartment complex. I did attempt to resolve by trying to settle the difference and they declined. I feel that it was wrong that there was no proof of the balance on my credit is correct so I ask to settle at a reduced rate to no avail. Please help me close this matter in a amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: The Outsource Group, Inc
State: SC

Complaint narrative:
I would need this account to please be removed from all there of my reports. XXXX has charger me XXXX for a bill and my son has XXXX at the time

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I called to work out a settlement offer and the company said I have to contact progressive insurance to work out a settlement. This can not be done because it was passed on to the collection agency already. My rights allow me a settlement to fix this debt. Ad Astra only gives me option to pay in full. I called them XX/XX/2019. The amount is {$610.00} for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent out 2-3 letter asking Experian to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

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 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
The original account was with XXXX XXXX credit card and was sent to collections in early XX/XX/2016. Midland funding LLC reporting the account in collections on XX/XX/16. For the last several months they have reported me as 30 days late. This account is in collections and should not be reported as a missed payment every month. Can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

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 2019-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I have been disputing this issue with all three bureaus they keep saying the information is correct and accurate from the creditor point of view this is the problem I felt behind on my payments they repossessed my car but before they repossessed it I asked for and extension before I got behind they told me I had to make the full payment then they would see If they could set it up I told them if I had the full amount I wouldn't need and extension then I felt behind they repossessed the car called me and said how much I had to pay to get it back I paid it we talked on the phone and I paid it took three days to get it after I paid the money I agreed to pay XXXX a month until I catch up with the past due payments I did that for a few months and I couldn't afford it so we worked out another agreement that I would pay XXXX by weekly starting my next pay date so I split the payments but they have been reporting to the bureau like I'm not paying at all they have all x, s since the repo and I have been making payments and on some of the balances after the payment it didn't change it went down a few dollars or in some cases after I paid it went up so I even asked if I had any extra fees they said no then I called again and one rep said I had interest I asked how then they hung up I called back they connected me to someone else l keep trying to get this straight and everyone making me feel like I'm crazy like I can't add or see what's going on and they also have on my report that I have 29 missed payments and I would like to have that corrected as well if I would've had that many missed payment they would have repossessed my car again

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 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have tried to contact portfolio collections agency they email and phone and each time have gotten no response back when I first received a letter. Now later I am trying to repay the debt and find out it is with a lawyer who also wont return my messages and I did not receive any paper work or was not served any papers for court saying this was going to happen. I am trying to buy a house and want to get this fixed but after months and months I cant get anyone to help now its defaulted and I dont know what to do. The last call and email I made was in XX/XX/2019. I get no return call about anything! I should of had this fixed months ago. I call XXXX  XXXX the original creditors and they say to call portfolio or the lawyer, and wont discuss anything, well portfolio and the lawyer dont answer! I even had the gentleman with the loan place try and call and he got no where as well.plus I think their are two cards one in my married name and one in my maiden name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: Security Credit Services, LLC
State: NJ

Complaint narrative:
This company is reporting a collection of XXXX with all three credit bureaus incorrectly. They claim it is from an apartment I used to live at, but after multiple conversations with the apartment company and multiple requests for validation for this collection company, proper validation has not been provided. I've reached out to the apartment complex this supposedly came from and they told me that they have no records of me owing anything prior to moving out. I paid my all rent owed prior to moving out and yet this collection remains on my report There is no account number reported. This is a direct violation of the Fair Credit Reporting Act and is unfair to have this continuous be reported against me on my credit. I have been unable to attain housing for myself all because of this. I am requesting this account be deleted and that this company request for removal to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK REFUSES TO GIVE ME ACCESS TO MY OWN ACCOUNTS CREDIT DEBT CHECKING! THEY ALOWED THOUSANDS OF DOLLARS OF FRAUD OUT OF MY ACCOUNTS AND THEY TOOK MONIES OUT OF MY ACCT ON AN AUTO PAY WITHOUT MY AUTHORIZATION! WHEN ARE YOUGOING TO DO SOMETHING? THEY OWE ME THOUSANDS OF DOLLARS FROM FRAUDULENT CHARGES AND CHECKS THEY LET OUT OF MY ACCOUNTS THAT WERE NOT AUTHORIZED! THEY REFUSE TO PAY ME BACK! ITS MULTIPLE ACCOUNTS! DEBT, CREDIT, CHECKING ACCOUNTS, SOME ACCOUNTS ONLY XXXX XXXX AND SOME ACCOUNTS ARE JOINT WITH MY MOTHER 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 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
Today I learned your organization has reported a balance of {$770.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was placed XXXX XXXX having no access to bank accounts and the bill to kohls was notified and sent to collection agency. Upon my Arrival to the states I now have poor credit and double the late feee of the card itself. And. Nobody will help resolve the issue I have no problem paying the XXXX $ cArd however serving our country and notifying them I should not be charged an extra XXXX $!!! With a derogatory remark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: CO

Complaint narrative:
Both XXXX  and TransUnion have an account on my report for medical bills that were after my bankruptcy, I had Medicaid after my bankruptcy so I had no bills. I have disputed this with them multiple times, I even paid XXXX their {$1.00} so that I could have more detail and now my account says theirs a lock on it and I have to pay {$48.00} and I can even see my credit report, trans union says the medical bills are correct but I know there not as I had Medicaid and was never sent any bills for medical expenses.

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 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello I woke up to my account being disabled for trading on XX/XX/2019, I did not received any email, text, notification or any other form of contact letting me know my account was restricted, I spoke twice to coinbase representatives during the day, the first one hang up the phone on me when I asked to be transferred with a supervisor, the second did not transfer me either, just kept saying " a specialist '' has to review my account, then I received a case number by email ( Case # XXXX ) I'm filling this complain because of the lack of communication and poor customer service from coinbase, I have been a loyal customer for many years, I also trade a lot of money monthly, I think im not receiving the treatment I deserve as a customer, you just can not disable a customer 's account without at least sending an email with an explanation. 

I have a balance of {$270000.00} on my account which I use to trade, I trade for a living so I don't have any other form of income, that's why im trying to get this solved as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have mailed and also tried to use the online system to upload a request regarding unidentified fraudulent accounts as a result of identity theft .... I have had no response via mail and I can't use the online system it will not allow me to upload any documents ... these accounts are fraudulent and need to be blocked and permanently removed from my file I have already sent letters to the credit bureaus on this matter to no avail that's why I am trying this to submit the information here

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