vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 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: MD

Complaint narrative:
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and Equifax in the amount of XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as XXXX and Equifax violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/XXXX/Equifax. XXXX XXXX company in the amount of XXXX with-XXXX/XXXX.XXXX   XXXX in the amount of XXXX.with-XXXX/Equifax.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative XXXX  XXXX XXXX then hangs up on me and someone else calls me back XXXX XXXX XXXX I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They XXXX XXXX XXXX have violated the FDCPA in many ways as well as XXXX and XXXX   violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/Experian/XXXX. XXXX XXXX company in the amount of XXXX with-XXXX/Experian.XXXX XXXX in the amount of XXXX.with-XXXX/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.

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 2018-06-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time a fraudulent account was opened in my name with XXXXXXXX XXXX. XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.

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 2018-06-29 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent account was opened in my name with Exeter finance. Exeter finance and XXXX are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military  police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have Exeter remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OR

Complaint narrative:
The interest rate is 769.31 % so pennies are going to my loan of {$750.00} whereas they are charging over {$220.00} every two weeks in finance charges. I'm drowning. The total amount to be repaid on a {$750.00} loan will be over {$5000.00} please help. Their website says they allow credit card payments but when you call they say they can not accept them. I'm not even sure if they can legally charge such a high interest rate to a resident of the state of Oregon. Are you able to check if they are a valid tribal company or if the interest amount is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
After years and multiple complaints this problems continues to be a mainstay of this bank! The retail account XXXX XXXX XXXX.I have tried to make a payment through your automated attendant which I believe purposely does not function of work since your able to collect late fees and charges and negate any special financing. Extensive wait times or please call back later the norm. By opinion I have no alternative but to find this a ruse that has continued ever sine I obtained my account and even though you profess your " working on the problem : it has not been repaired.. My payment was {$29.00} and now is. {$81.00} and I suspect a late fee. Account number - XXXX 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 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was making my regular monthly minimum payments to Cabela 's and Cabela 's sold my account to Capital One. My minimum payments rose to over {$500.00} and I couldn't afford to pay that much. My balance was {$8000.00}. After several attempts to get Capital One to work with me, they refused and closed my account, sending it to a collection agency, XXXX XXXX XXXX , XXXX. My on-line access was closed so I am unable to login to print out my monthly payment history. I am an on-time payer and a XXXX XXXX contract employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$62.00} paid confirm -XXXX paid today 2 months plus late fees. I have been unable to get through your automated system hence late fees. Disturbing - please call back, extensive wait times etc. I and perhaps many penalized for your system failures. hank you for contacting Kohls. 

Regrettably, this email address does not accept replies. If you have a question regarding the communication you have received, please contact Kohl 's at XXXX. We appreciate the time you took to contact us and look forward to serving you again. DO NOT REPLY TO THIS EMAIL. 
CONFIDENTIALITY NOTICE : This is a transmission from XXXX XXXX XXXX XXXX XXXX XXXX 
and may contain information which is confidential and proprietary. 
If you are not the addressee, any disclosure, copying or distribution or use of the contents of this message is expressly prohibited. 
If you have received this transmission in error, please destroy it and notify us immediately at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have always be 2 to three payments behind with GM Finance and they always worked with me due to income up and down but I always paid and they were fine with that. on XX/XX/XXXX I noticed my car was taken called the non emergency police and they said my car was repo 'd I called GM and now it was taken over by XXXX I talked to someone before on the XX/XX/XXXX said what my intentions were to get it back to good status would make 1 payment at the end of XX/XX/XXXX and 2 in XX/XX/XXXX He said I will note that and you should be fine. Why did this happen when I called on XX/XX/XXXX they told me there was no record of it also I set up a payment and account I always use for this month and said they could not verify the bank info so it could not be processed never receaved a call about that this has been such a nightmare and now they want me to pay XXXX to get my car back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I NEVER authorized XXXX XXXX XXXX to pull my credit. I am not sure who but I personally did not. 

I authorized XXXX to pull my report but only 1 time. It was pulled twice. Once on XX/XX/XXXX and again on XX/XX/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 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: GA

Complaint narrative:
Workmans comp claim paid and original company and I have provided supporting information to confirm information incorrect. Collection agency persists in verifying information to credit bureau. They have said for 6 months that they have tried to resolve but evidence shows they are verifying information to XXXX. 

I just received dispute results that confirms they are verifying this information despite knowing it is incorrect. 

XXXX is also verifying information they know to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: NY

Complaint narrative:
This is an associated complaint with IFS and XXXX XXXX XXXX XXXX XXXX. IFS brokered this loan. 


I applied for a loan with Innovative funding services to attempt to get a lower auto loan rate. I believed IFS was a direct lender they are not. My loan was placed with XXXX XXXX XXXX XXXX XXXX and that is where the issues began. I was charged {$400.00} to obtain this auto refinance. XXXX XXXX XXXX XXXX XXXX will not allow external accounts to be added to their web site. You have to pay by debit card and there is a {$15.00} fee, furthermore when I attempted to refinance out of this auto loan they ( XXXX ) took a {$2500.00} payment from me with my permission and I was charged XXXX by my other bank. They did not inform me this would be considered an OTC cash advance. This credit union is a very deceptive institution and should not be allowed to stain the XXXX XXXX name. Being a XXXX XXXX veteran myself I have watched these institutions prey on XXXX XXXX and veterans for many years. This credit union never offered GAP coverage or a warranty. Their APR is almost % 10 which is ludicrous. They need to disclose their fees and the fact you can not add an external account making a payment difficult. I am still awaiting my title from this institution as well and they say that IFS is handling that. When contacted IFS states they took care of it. XXXX XXXX XXXX XXXX XXXX and IFS should not be allowed to take advantage of consumers in this way. IFS does not accept direct payments so to get out from under this nightmare I refinanced again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan Servicing, LLC was the servicer on my mortgage loan. They self identify themselves as a debt collector. In New York State, the Statute of Limitation on collecting a mortgage loan on real property is six years from the last payment made. Ocwen knows, or should have known, that my last payment was made years before foreclosure papers were served on me, in XX/XX/XXXX, yet they continue their attempts to collect on the debt. I recently received a Mortgage Account Statement from them dated XX/XX/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 2018-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I contacted National Credit System located at XXXX XXXX XXXX XXXX, XXXX GA XXXX to advised them that had just manipulated my credit profile with all three reporting agencies XXXX, XXXX & XXXX by adding a collection debt of {$3200.00} that did not belong to me and they also changed my home address to reflect and address I have never lived at. I told them I have been a victim of Identify fraud and requested them to immediately remove this account from my credit file and send me the proof of indebtedness. 

Todate I have received no response. I called XXXX XXXX XXXX again on XX/XX/18 and spoke with a Mr XXXX XXXX who advised me to would send me a fraud package to complete via email and still todate I have not received anything. This company has not responded to my correspondant, emails or phones. This does not belong to me and should be removed. 

The National Credit System agency is violating Fair Credit Reporting Act. Please help me get validation and removal of the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: CO

Complaint narrative:
I don't have any debt. None. I get harassing phone calls from companies all the time even though I have no debt and my phone numbers are listed on the do not call list. I attempted to complain to the do not call registry and the website pointed me here. Today 's call at XXXX XXXX was from XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent lease was opened in my name with XXXX XXXX and is being negatively reported by XXXX XXXX XXXX. XXXX XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX XXXX XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint. A notice will also be sent to 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 non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing you today as an aggrieved man. TD Bank yet again has charged me a ridiculous amount of overdraft fees and stole my money, I know thats how banks make their money, but I do not appreciate being mistreated by this bank. I should have a balance of {$200.00} maybe a little more as my account balance as of today XX/XX/18. TD Bank charged me {$150.00} overdraft fee on top of another {$35.00} over draft fee. All this as they still process, my transactions making it appears they were on a different date then they were. My paycheck was deposited today XX/XX/18 and II was left with {$60.00} dollars out of {$540.00} because of TD banks horrible business practices. I called customer service and they said to me they cant get into my account because they are locked out. I cant even have a conversation with an agent about my account now? Why? Its getting to the point where I am going to end up taking my business elsewhere. I really do not want to and want to give TD Bank a chance to do right by one of its customers. I demand TD bank remove the extra overdraft fees immediately and restore my balance to {$200.00}!

Company response to consumer: Closed with monetary relief