vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The Bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred Credit This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2017-11-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: Lending Club Corp
State: UT

Complaint narrative:
this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay. 
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: GA

Complaint narrative:
I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very XXXX and I am not employed either and Blitt and Gaines continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial
State: OH

Complaint narrative:
Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very sick and I am not employed either and XXXX and XXXX continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I filed a complaint with your agency and the company, Experian, responded, but did not respond to the issue. After contacting XXXX and Experian to place Security Alerts and Security Freezes on the information they store on me, ( this request was made in response the the XXXX security breech ), Experian lowered my FICO score. There had been no change in my credit history other than my requests to the 2 credit bureaus. When I made my request to Experian, they responded that they would notify the other 2 credit bureaus. In my earlier complaint with your agency, Experian responded that they are unable to determine why my score would change because the algorithm they use is so complex. That is ridiculous. They could easily compare my credit data pre and post their change in the FICO score to determine identify any data that caused the FICO score change. My earlier complaint was not resolved and your agency closed it and indicated it was resolved. You closed it before even determining if it was addressed. You closed it in response to a canned response from the credit bureau. My earlier complaint is # XXXX. 
When I contacted your agency about my complaint by phone yesterday, I was told that 99 % of your cases are resolved. That means that the credit bureaus sent a response 99 % of the time. This does not mean that 99 % of the complaints filed with your agency were resolved.

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 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I checked my XXXX Credit Report and discovered that Credit Collection Services was reporting on my report. I have never heard of them. I have n't received any Validation from them about any debt I supposedly owe. I do n't have a contract with them neither have I ever received any documentation about this company or the original creditor that 's been reported. I want this negative reporting deleted from XXXX credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was solicited by Capital One 360 to open a Checking account, as an existing credit card customer. The terms ( as captured by a screen shot of the offer ), were for a bonus of {$300.00} to be deposited to my checking account after receiving two direct deposits of {$250.00} or more ( each ) within 60 days. After receiving two ACH deposits of {$250.00} ( each ) into my account, I checked with the bank by phone, and a representative confirmed that the requirements had been met, and that the deposit would be made within the next month to two. When I followed up with the bank, I was again told that the requirements had been met, but sometimes it took longer for the bonus to be received. When I contacted the bank again on XXXX XXXX via chat, I was told that the offer was in fact only {$100.00} ( which, according to the representative was recorded to my account ), and that the two ACH deposits did not meet the requirements of being " direct deposits ''. 

Capital One 360 clearly makes no effort to proactively deposit the " bonus '' offers they use to entice customers, and probably owes their customers a great deal of money, in addition to using illegal ( if not borderline ) practices in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax falsely denies receiving my notice of intent to sue in regards to the attached complaint. 

Equifax is insistent upon wasting administrative and judicial resources instead of a simple admission of receipt. 

Attached is a Fax Delivery Confirmation indicating that Equifax is in receipt of said intent to sue which includes an intent to sue. 

Sending this via regulatory proxy so that Equifax will cause further injury to it 's claim if it falsely continues to insist that said Notice of Intent has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. 
I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I obtained a loan from Springleaf who are now OneMain. I have had trouble paying the loan and the company offered no resolution. They have called and harassed me and to only solutions that they had included paying money that I do n't have or running my credit again. I spoke to XXXX at the XXXX location and was told that the late pays would be removed if I brought the account back current and he did not keep his end of the promise. This account is reporting a higher balance than what is owed on the account and OneMain is a loan shark. I can not believe that I am going through these kinds of changes with this company. I have tried to resolve the issue and have not been able to. I had my account switched to an office closer to me and the manager at the XXXX XXXX he talked to me like I was an animal. He said that he knows what " kind of person I am and his office is not going to tolerate that '' this company has made me feel less than human and are ruining my credit. I have not paid them because they have been deceptive and practices predatory loan antics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reports incorrect information. I had an auto loan with XXXX XXXX as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX, Experian and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, Experian reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX XXXX, that I had no finance and/or contractual obligation with XXXX XXXX by that time having closed the account in XXXX, XXXX when XXXX accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. XXXX XXXX has never issued me a certificate of satisfaction even when requested.

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 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To : Whom It May Concern My name is XXXX XXXX. My recent case number is XXXX, which has been closed. I will like to re-open this case based on new evidence that will help prove my case. I have evidence that the company ( XXXX XXXX ) that may an unlawful withdraw from my checking account is a scam company and I am not the first victim and I wo n't be the last until they are stop. This company is not affiliated with the Better Business Bureau and there has been many complaints to the Better Business Bureau concerning XXXX XXXX. Just as I mentioned before, this company will not answer any more of your phone calls once you find out that they are a scam company and you want to cancel with them. I have more information about this scam company as it relates to other people and the Better Business Bureau.  I saved the link about this company. The information is very informative. This link is included in this complaint. 

Thanks, Yours Truly, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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 — Investigation took more than 30 days
Company: N.A.R., Inc.
State: NY

Complaint narrative:
I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a car loan with Capital One Auto Finance I purchased a XXXX XXXX XXXX. I took out XXXX XXXX when I purchased the vehicle. I had a XXXX XXXX in XXXX XXXX and the insurance declared my car a total XXXX. I filed a claim with my insurance company, XXXX XXXX. XXXX requested a payoff from Capital One Auto Finance they paid what the value of the car was at the time. XXXX XXXX covered the remainder amount owed. Capital One Auto Finance is reporting that I owe them more money when my account was paid in full through XXXX and XXXX XXXX. I want this account removed from my XXXX Credit Report. My loan with Capital One Auto Finance was satisfied in XXXX through XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX  2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
From what I understand, starting in XXXX XXXX, Hunter Warfield initiated reporting an account on behalf of XXXX XXXX XXXX that is wholly inaccurate and only getting worse. The original debt was listed as {$1800.00} and last reported, XXXX XXXX, as {$2000.00}. I disputed it a number of times explaining I do n't owe anything to XXXX. This debt is not my responsibility, nor is the ever-growing balance, yet H.W.  continues to verify it when I dispute the account to the various reporting bureaus. They have yet to explain the increase in the amount, nor have they provided any validation of the debt in response to my disputes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MD

Complaint narrative:
Everyday in XX/XX/XXXX and XX/XX/XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2017-11-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation