vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On    XXXX   XXXX    , 2017 a t approx.   XXXX   XXXX   EST, I checked my   XXXX   XXXX   account as I do frequently since I working on rebuilding my credit so I could purchase a home with  my VA Military Loan. I noticed  that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company   XXXX   XXXX  . The collection account was opened in  XXXX   XXXX ,  2017    according to  XXXX   XXXX  and  XXXX   Credit Reports.  I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter.     In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.

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 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Saturday  XXXX / XXXX / 17  at  XXXX   XXXX , I went to this bank to access my safety deposit box. I arrived there well before closing hour (  XXXX  ). I was told I could not have access to my safety deposit box because the timer was on and the door would not open. I work during the week, so the weekend is the only time I can access my safety deposit box. I am urgently in need of paperwork that I have stored in that box and my bank will not allow me access to my belongings. The bank never made clear to me in a policy that they have the right to seize and withhold my belongings from me.     My bank info and location :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , NY  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX CFPB : JPMChase hired a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure to take away everything that I owned, the personal property of five ( 5 ) generations of my family from my Family Homestead, XXXX XXXX XXXX, XXXX, IL XXXX, which my parents, XXXX and XXXX, had built, XX/XX/XXXX. It is a violation of Illinois Law to hire a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure. I demand the immediate return to me of everything taken from XXXX XXXX by  JPMChase in violation of the Illinois Unclaimed Property Act and other Extant Legislation. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have a checking and savings account wit h USAA Federal Savings B ank bank for many years in  XXXX   XXXX , TX. They recently shifted to added security at login. Supposedly, they send a security code to an email address and then you enter the code. This is as far as I can get on a laptop. First, they send the code to an old email address no longer associated with my account ( I do n't know what is on my profile for sure, because I can not login ). By the time I get into the old email account, copy the code and enter the code, it has evidently expired because I get an " invalid code '' message. I tried it three times and no luck. The same error message appeared. So I called customer service  three  times and once spoke to a security rep supervisor. I entered my SS number, my  4-digit p in number, my member ID #, gave my bank debit card information and then they wanted more information about made-up past addresses lik e one from  twenty-five     yea rs ago ( wrong address ) when I worked for a company  XXXX   XXXX   XXXX  miles away from where I live now and ove r ten y ears ago  ( the plant no l onger exists! ) After another half hour or so, the public records proved false, so at that point I told them the public record information was not right. Despite my protest that the answers were not correct, the rep continued anyway. What more could they possibly need, well they kept on asking. I finally said enough! I want to close the account. But they would not let me, cause I have not been verified.  SSN, Member  ID,  25 random o ther passwords and personal information from an incorrect " public record ''? Please help me get my money out of this bank and close this horrible account or make them let me in to my own account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Account Details Last Reported   XXXX   XXXX   XXXX    Collection Agency CAINE & WEINER COMPANY INC  Original Creditor  XXXX   XXXX  Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Account.   Balance {$3700.00}  High Balance {$3 700.00}  Remarks Consumer  disputes this account information  No Idea  about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Creditors Connection, Inc
State: MS

Complaint narrative:
I called   XXXX   XXXX   on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me mor e than 2 weeks prior. Then I receive a letter from NCCI a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sending door knockers for no apparent reason after they have already received calls in order to bill a mortgage holder fo r services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: TN

Complaint narrative:
I requested validation of a public record on my account which Equifax, XXXX and XXXX all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to    XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,     CA - Ph. no  XXXX  ) for minor filing services  o  n   XXXX   XXXX    2017.  I provided my insurance information and paid the patient share via debit card on same. They still   submitted an application for 'Care Credit ' without my authorization. I disputed the claim through '  XXXX   ' and also contacted the Care Credit 's finance department to have this inquiry removed. I have not received any response from Care Credit department regarding removing the inquiry. As the   XXXX   XXXX   office also over billed me for {$900.00}, I went to their office again  on   XXXX   XXXX    2017 t     o ha ve  the am ounts removed. They acknowledged the error and told me the charges would be removed. To my surprise, they ran another credit check and I received a second alert from  XXXX  that another credit application was applied under my name. I have contact both Care Credit department and   XXXX   XXXX   office multiple times. They always acknowledge the error, since they have absolutely no proof of my authorization, yet they never send me any documents that would help me remove these in quires from my account.

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 2017-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
REPORTING FRAUD ON THE   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX    XXXX , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX . 3. TRANSUNION   XXXX   XXXX   XXXX   XXXX   PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX    IN   XXXX   MONTH OF   XX/XX/XXXX .  ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY STATE MEDICAL INSURANCE HEALTH PLAN. PASS AND PRESENT. 1.   XXXX   XXXX   XXXX     XXXX   ID MEDICAL CARD NUMBER   XXXX   / DATE OF BIRT H   XX/XX/XXXX  / 2. STATE OF CALIFORNIA HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIR TH   XX/XX/XXXX  / 3.   XXXX    HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX  AND  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 2017-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
I called Select portfolio on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me more  than 2 weeks   prior. Then I receive a letter from  XXXX  a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sendi ng door knockers for no apparent reaso n after they have already received calls in order to bill a mortgage holder for services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$3200.00} XX/XX/2016 N/A $ XXXX/mo XX/XX/2016 $ XXXX American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$1000.00} XX/XX/2016 N/A $ XXXXmo XX/XX/2016 $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Live in Georgia, Began our loan with santander in  XXXX . Used   XXXX   XXXX   XXXX   XXXX  . Vehicle I'd XXXX . Beginning balance  XXXX  We began payments at   XXXX   a month, but the interest rate was 24.99 %, then it was raised to  XXXX . We have paid over 50 payments which is over 18,000.00. We were late at times, but santander says our balance is  XXXX . Account number is  XXXX . They tell us that because of being late causes our payments to go to interest, not balance. How can a car loan cause the finance rate for us to pay  XXXX  for a  XXXX  loan.
We read in other states that santander was punished for interest rate loans. Texas is being investigated also. We have never received any payment receipts or balance records from this company.
My email is   XXXX    Phone  XXXX  This is my complaint   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Flagstar Bank, National Association
State: OH

Complaint narrative:
Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
<P/>
I sent a RESPA Letter to New York Community Bank and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ... New York Community Bank was receiving payments but NOT posting them timely to my mortgage account. In addition, New York Community Bank withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
<P/>
I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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:
My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.

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 2017-05-27 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: FL

Complaint narrative:
My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.

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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
I have tried numerous times to resolve an issue with my account owned by  Continental Finance  in regards to there subprime  XXXX  credit card. I closed the account in  XXXX  of   XXXX   after my finances too a hit and I was no longer able to pay for the credit card bill. At the time I informed the representative I was unable to make the payment at the time and asked would that be the balance owed on the card that I could pay at a later date. I was informed YES.  W  ell Continental Finance co ntinued to charge me interest, late fees, added an overlimit fee and then charged the card off.     Now we come to me sending a money order to pay the account off. I was informed the money order was never cashed, please reference CFPB case #  XXXX . I then talked to a representative that advised me to do a payment plan which I never agreed to. I never received anything in the mail in reference to the payment plan either. Subsequently, I call  XXXX  again to get an update. I still got the run around.     So, I call the company back again. The account had a {$0.00} balance which at that time nothing could be worked out because of that. The issue was corrected an now I 'm back to square one. They are constantly reporting a charge off each month since  XXXX  damaging my  credit score , they have charged me an excess of fees that I should have never been charged for. I also paid {$50.00} to get the card as a deposit which was n't applied to the balance when I closed the card, in addition the credit card insurance that i paid for every month was never put into affect after my loss of income. They will not validate the debt with statements and I can never get anybody to call me back to work out some type of agreement. Please help, I do n't know what else to do.

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 2017-05-27 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: OH

Complaint narrative:
Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
<P/>
I sent a RESPA Letter to   XXXX   XXXX   XXXX   XXXX   and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ...   XXXX   XXXX   XXXX   XXXX    was receiving payments but NOT posting them timely to my mortgage account. In addition,   XXXX   XXXX   XXXX   XXXX   withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
<P/>
I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.

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 2017-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broadway Account Services
State: SC

Complaint narrative:
I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.

Company response to consumer: Closed with explanation