vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously.

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. 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 2017-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IL

Complaint narrative:
To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. 
However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. 
I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In a recent pull of my credit reports from the credit bureaus my Mortgage with XXXX does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about XXXX not reporting the correct information within months all information disappeared of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
I reached out to equitable acceptance corporation and they let me know they could help me get me student loans consolidated and forgiven. They did not indicate I did not qualify for a forgiveness plan or tell me they were going to be charging me {$49.00} a month for a service that was not helpful. This is a deceptive practice and one that I see many other people have filed complaints for. This company is deceptive and giving wrong information by praying on people 's desire for student loan relief. I do not trust them and I want to have any contract they state I have revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Already filed a complaint against the company and the agreed to cease and desist, file # XXXX with the cfpb. They are now using another family memeber s name to try to collect the same fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
I received a letter from XXXX XXXX in XXXX, Ohio saying I owed XXXX XXXX XXXX XXXX. 
I do have XXXX as my electric provider and am usually a little behind on my bill but it is always paid, never disconnected and I pay first energy directly. In addition, the amount of XXXX makes no sense.

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 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was scammed on line by a friend which turned out to be an imposter asking me about Trumps federal grant program, ended up giving them XXXX thru Bank of America. The account was sent from and to Bank of America, called them about situation I gave them the name and account number with BOA where money was transferred. I called them about situation someone at that bank had to take the order and someone had to start the account, they said I was scammed and they could not help me. This started XX/XX/17 the money was transferred XXXX Something had to be on camera

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 2017-12-04 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: PA

Complaint narrative:
I recently disputed some fraudulent accounts with the credit reporting agency equifax and the information was deleted, now almost a month later it is reappearing on my credit report. 
These were the accounts that were deleted and removed from the report I received on XX/XX/2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and were opened in fraud ... XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
A XXXX XXXX purchased a used XXXX XXXX XXXX XXXX fraudulently using my private residential address. XXXX is stationed at XXXX XXXX, XXXX, home of record XXXX XXXX and drivers license either NY or XXXX XXXX have no ties to XXXX  . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX allowed XXXX to purchase the vehicle and register it fraudulently using my personal residential address without my knowledge or consent. Identity residential fraud. The XXXX Staff did not check the proper credentials nor verify if XXXX even live d in XXXX. XXXX obtained XXXX   license plates for XXXX XXXX and registration fraudulently. XXXX XXXX XXXX Staff lack of identification verification from buyers when registering vehicles in XXXX leaves all XXXX residential addresses open to exploitation and identity address fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one is reporting as factoring for an account sent to collections. It also has incorrect payment history. The account was opened on XX/XX/XXXX the last payment on the account was on XX/XX/XXXX. XXXX is reporting the last payment date of XX/XX/XXXX which is inaccurate. Additionally, the charge off has been reported in XX/XX/XXXX which is inaccurate and intended to re-age! Previous reports prove the Charge off occurred in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I have opened a XXXX account with over {$10000.00} as dictated per offer in the XXXX, IL branch. The requirements listed in the opening brochure to receive a {$100.00} bonus was to keep the above mentioned balance for at least 90 days. Since I have a specific tax situation I have requested the bank to post the opening account bonus in XXXX instead of XXXX since I found that that the bank will be reporting it on 1099 INT form instead of 1099 MISC ( the account bonus reporting is specifically vague listing the reporting category as 1099 only, please see attached ). As result the bank took a very aggressive stand on the issue with the market manager XXXX XXXX stating that " he 's surprised I have nothing better to do with my life than demand bank to delay the bonus payment. '' When I looked at the wording of the offer and floated a possibility of delaying the account qualification so it comes to qualifying the bonus for XXXX by withdrawing the account below {$10000.00} ramping it up again in XXXX ( the account requires 90 day maintenance of the balance however it does n't require it to be held consecutively for 90 days in the 12 months period ) he objected stating that the account will be denied bonus if I do so.

When I escalated the matter the bank offered me the only alternative : to receive a bonus or not. Subsequently the bank awarded the bonus contrary to its own T & C ( before the completion of the 90 day period as in spite ).

Issues : 1 ) Why the bank does n't follow the wording of its legal disclosure closely when it comes not only of the XXXX XXXX XXXX but also its own reporting requirements? 
2 ) Why the culture at the bank is such as it creates a needlessly adversarial environment as if the bank representatives know my tax situation better than myself?

3 ) What the bank does n't offer a solution to issue ( however unique ) instead of treating the matter as some type of frivolous request?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Reference compliant filled and resolved to Bank 's satisfaction. I am still saddled with the product that was fraudulently sold to me. I am still making payments and the Bank is still doing business as usual. 

Respectfully, 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 2017-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I lost my job in the past and because of that my credit was affected. My car was giving me problems so I had to purchase another car. The dealership charge me more money than the car was evaluate for. And its hard for me to comprehend how capital one charge me an interest rate of 23 % for six years and the payment is so high that I cant even pay it so this car was not even good it starting me giving me trouble and I have to purchase another car. I call capital one multiple times evening can we do use the interest-rate which is 23 % but they kept saying they can not help me with that matter. I want to see how your bureau can you help me with that matter because it really bothered me to see that high interest-rate because my credit is better now I have another call at 4.62 % but this other one thats not even good Im still being 23 % on it and I can not even trade it because the value is so low. 
Please see yeah you can help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have told XXXX Bank since XXXX XXXX to not call me. In XXXX XXXX they started to call my parents and my husband. They too have also told them to stop calling and in the past week XXXX XXXX > XXXX XXXX XXXX, we have all gotten multiple calls. I do n't know what else to do and was advised by my attorney to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
We became customers of a XXXX XXXX, a mortgage equity accelerator company in XXXX of XXXX through our mortgage company, XXXX which has since been changed to XXXX XXXX. I was made aware that actions were taken against XXXX  XXXX by the CFPB in XXXX for misleading advertisements and deceitful practices of how and when the consumers money was collected from consumer and deposited into the mortgage account. XXXX XXXX also promised an average savings of $ XXXX in interest that the CFPB found XXXX XXXX had no documentation to support these claims. A fund of {$34.00} XXXX has been set aside for customers to be reimbursed for all fees collected by XXXX XXXX. I was never notified of this finding from my mortgage company or from XXXX XXXX and was allowed to continue business until present day. I would like for XXXX XXXX to contact me and provide the reconstitution required by the CFPB 's finding to include reimbursement of all fees I have paid to Pay Map since I began doing business with them in XXXX of XXXX. I also want the two mortgage companies to understand that they should have alerted their customers of XXXX XXXX 's deceitful practices to give us an opportunity to cancel our business. I understand that my current mortgage company, XXXX, no longer does business with XXXX XXXX but never passed this information on to me, their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I try to make a purchase with my capital one credit card however the purchase was not approved. I called capital one and explained it. They said it was a restriction on my card however if I made a payment the restriction would be lifted. This is not true because they still have not removed the restriction despite that I have made the necessary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp.
State: OH

Complaint narrative:
I received a loan in the amount of XXXX, term 4 years, my payments monthly are XXXX, at the end of my loan I will have paid XXXX. I would like this investigated please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE 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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
not my debt. stop all communications with all household members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
XXXX XXXX XXXX Rent Recovery {$3400.00} I notified leasing office of mold infestation was on a month to month lease, got charged for the filing of the eviction even though its marked as a broken lease and got charge two months in advance on a month to month lease. Informed the complex prior to moving that if problem were n't changed I would be moving due to health reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TX

Complaint narrative:
I was recently made aware of a derogatory account on my credit report from a XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XXXX and that I had never received a bill for the amount in question. I also filed disputes with both Experian and XXXX to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.

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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
not my debt. stop all communications with all household members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 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: NJ

Complaint narrative:
I sent a dispute to equifax for XXXX. THis account has a a XXXX balance for 1 year and it still shows XXXX balance. 

Equifax came back and updated the account to 120 days late. How can a account that has a XXXX balance be 120 days late as of XXXX 2017. 

I have attaced XXXX credit reports showing this acconut has maintained a XXXX balance and it needs to be corrected showing current and removal of 120 days attached is current and previous credit reports showing XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX a wire was paid into my Chase Checking account for {$70000.00}. for goods and services sold to a client.

Around XX/XX/XXXX or so, I was not allowed to withdraw money from my account because Chase Bank said that the person who sent the wire had recalled the funds.

I subsequently spoke to the client and explained the situation and she agreed to be refunded {$40000.00} since {$30000.00} had already been sent out to pay for the goods she had received.

Around XX/XX/XXXX, I verbally authorized Chase bank - ( the conversation was recorded by Chase ) to refund only {$40000.00} to the client.

Instead of following my simple instructions Chase closed my account on XX/XX/XXXX and told me that I would not get a check.

My client did not get her {$40000.00}. and I did not receive a check. Where is my money?

Company response to consumer: Closed with explanation