vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I completed a background check with XXXX as part of an application to the XXXX XXXX. Within that report, I noticed a couple of incorrect addresses listed for me. One of the prior addresses listed for me on the report is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. This is the residence address of my younger, XXXX XXXX XXXX. 

But of more concern is under the Personal Information Comparison, there is a comment " High Risk Fraud Alert - Previous Address is a Restaurant/Bar/Night Club. I do not know what address that is referring to, nor have I listed a restaurant as a prior address. I suspect, but do not know conclusively, that that address is tied to another person named 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 2018-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was voluntarily surrendered on XX/XX/XXXX. On XX/XX/XXXX the vehicle was sold. I was sent a notice stating the balance owed was {$3100.00}. At some point in XXXX, the account was sold to NCB Management. NCB Management is reporting a balance of {$2100.00}. I requested validation of this account XX/XX/XXXX. On XX/XX/XXXX2018 NCB forwarded me documents from XXXX. Upon reviewing the documents I noticed that XXXX falsified the amount owed. The amount owed was indeed {$2100.00} instead of the amount they originally told me. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. XXXX is also reporting my last day of payment as XX/XX/XXXX but it is not reflected in the itemized list of payments. This would decrease my total amount owed by {$360.00} so again, this is illegal. Furthermore, XXXX is in violation of their Arbitration clause by sending my account to a third party, NCB Management. NCB Management has no legal right to collect the debt and by the reporting of this debt, they are in violation of FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Debt is from XXXX for the amount of roughly {$4100.00} is well outside of the seven year period is also the XXXX same dept as claim # XXXX filed on XXXX XXXX. They're calling mlm my cell with an autodialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
experian.com User account XXXX Can not cancel CreditManager account. Automated phone menu says I have no account, but I can log into it and they bill my XXXX XXXX each month. 

No way to reach a human.

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 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion multiple times via correspondence for reporting a collection on my credit that does not belong to me. The collection is XXXX XXXX account number XXXX. This account is in violation of my consumer rights and even XXXX and XXXX  removed it from my credit report. This is causing me a lot of distress because of their negligence.

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 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I applied for a business credit card with Capital One. I was approved pending review. After receiving an email, indicating primary documentation was required to be provided I complied by having to go into a local branch as I was told I could not reply immediately to the email they had sent. Despite the inconvenience, I went into the branch where a simple task of faxing over documents for verification, which I had, took over an hour. The banker initially lied that the fax machine wasn't working. After having to follow up with the banker on XX/XX/XXXX that the fax was received by the right department, I waited 72 hours before contacting the credit card department. The automated response unit upon me calling stated I was approved and that the credit card would be mailed within 10 business days. I chose the option to speak to a rep. to ascertain for how much I was approved. The rep. apologize for the error of the automated system and stated the documentation that I sent was not acceptable despite it being exactly what they requested -- the articles of organization. This has been escalated to the highest possible department and additional documentation was requested to which I have replied. The person in the Office of the President said she exhausted all possible channels and despite me providing two primary forms of documentation consistent with the information provided on the application about my business entity that there was nothing else that she can do. I feel Capital One is discriminating against me and my business. I also filed a complaint with the OCC. Case XXXX. They still have not responded to that and have exceeded 35 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fortren Funding LLC
State: NJ

Complaint narrative:
On the evening of XX/XX/2015 I made arrangements with the Sr. loan officer at Fortren Funding to supply a cashier 's check for the amount of XXXX to forward to a title agent in order to start my new escrow account. Since my old escrow account did not have the substantial amount of funds to satisfy my taxes, I supplied those sufficient amount of funds with that check since according to XXXX the Sr. loan officer and the closing agent, stated that I would be receiving a disbursement check in the amount of XXXX back from my old lender after washing my old escrow account and also would be skipping 2 monthly payments making this transaction costing me {$500.00} from OUT OF POCKET EXPENSES. 2 months later I discovered that a tax payment did not get paid in full to my township and I called XXXX and said he will look into it as adjustments were being made. I also offered to pay the taxes myself and the township said I should not have to if they were escrowed and why was only a partial payment made? I then contacted XXXX again, when we discovered that my car payment had increased and my credit score was destroyed after having outstanding credit and and increased mortgage payment of {$220.00} plus penalties and fees from my current lender causing me to become XXXX from trying to make up losses in which XXXX said to pay temporarily because THERE WAS A HUGE MISTAKE until adjustments start kicking in. A few days later he disconnected his phone and disappeared. I then contacted the management and I spoke to XXXX and he asked me a couple questions and then asked me if I received a disbursement check? I said yes. He stated " there you go..you spent it '' I said yes..He then asked why didn't I pay my taxes with that disbursement. I told him that was not the arrangements I made and furthermore the check was no longer useful to pay taxes in late XXXX when I received from my former lender and even contacted them for sufficient proof. He then told me that only my new lender can help me who ever they are because my loan got all screwed up ... and anyway I skipped 2 monthly payments ... At this time after enormous hardship after my cost of living has increased {$300.00} a month for 3 consecutive years and can not work, I lost my second home and now facing foreclosure on my primary residence and have to live my life as if I am XXXX years old on hospice and my credit history shows up as my Father 's old credit history from over 20 years ago and have an outstanding radiology bill that was transferred to my name as XXXX. I know I have already submitted 20 + complaints about this matter and I know it is a duplicate ... .but however I will stop this from happening to anyone else and will have to handle this on my own as it is now being conspired by other collector 's

Company response to consumer: Untimely response
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 non-monetary relief
Consumer complaint received 2018-11-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have many credit inquiries that i did not authorize. Experian did nothing to remove them

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 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX  XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX is supposed to be removed it was paid and I was told years ago it would be removed. I attached a paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harvard Collections, LLC
State: MO

Complaint narrative:
XXXX XXXX is really violating my rights I previously disputed this company and they are keep selling the debt to different collection agencies. How can we as consumers protect ourselves from these companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2018 I opened a checking account and a saving account at the JPMorgan Chase bank in XXXX XXXX, WI on XXXX XXXX XXXX. I did so in response to a blue card received thru the mail which says Enjoy up to {$500.00} as a new Chase customer. I was to receive {$300.00} for opening a new checking account with a deposit of {$5.00} and a saving account I was to receive {$200.00} with a deposit of {$15000.00}. At the end of my appointment with Chase employee, who set up both accounts and took my check for required amounts, I was informed that accounts were active and bonus monies would not be paid until funds remained in account for 90 days. After waiting the required 90 days I did not see bonuses credited to my account. At end of XX/XX/2018, I still did not see bonus credited so I called to talk to bank representative who opened accounts for me. 
Her voice mail said to leave message which I did. After several days she did not return my call I called to speak to any person at bank. I learned that bank employee was no longer employed by them but they would have supervisor to return my call. After days no one returned my call so I called again. I was told someone would get back to me shortly. No one called. I called again to talk and a teller informed me that since Chase employee had not put a code from the blue card on my account, they could not pay bonus. 
EVEN THOUGH I deposited EXACT amount required by their offer, and their representative ( an account specialist ) takes all info and monies, the Chase Bank does not honor their advertisement. This is because they say THEIR employee did not put code from blue card on the account. 
I called the president of the bank and left message. He chose not to return my call. 
On XX/XX/2018 I personally went into the Chase Bank on XXXX XXXX in XXXX XXXX and closed both accounts. Later I filed complaint with Department of Finance and Banking and Wisconsin Dept of Consumer Protection. 
JP Morgan Chase answer to my complaint was only that the required code was not on account and therefore they could not pay bonus to me. 
This is highly suspect that I put in the exact amount required and left it there for 120 days and now they say I didnt have a coupon. Their employee was given the coupon and she put it in a file in front of me. 
I would like to see the security video of our transaction which would prove that I gave their employee a card. 
If a more reasonable action not is taken with this second complaint, I realize I will have to take Chase Bank to small claims court. JP Morgan Chase needs to give a more satisfactory explanation for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XXXX approximate date XX/XX/2018 XXXX dollars was outstrips paid to toyota financial services and XXXX dollars is owed to my account due to the unused warranties and coverages purchased. 

Toyota states dealership has not sent the payments to toyota financial services. 

I believe goes is committing fraud and stealing by requiring additional monthly car payments. 

XX/XX/2018 approximately XXXX XXXX Pacific Standard time I informed Toyota financial services that the payment info will be sent to them and they informed me that I had gap insurance to cover the difference between the value of the with the insurance paid and what is owed on the loan I was informed once they receive the payment from the insurance company which they received on theXX/XX/XXXX that they will go ahead and effectuate my gap insurance. On XX/XX/XXXX I spoke with XXXX customer service operator ID number XXXX XXXX she was the nicest one out of all the people have spoken with Toyota Financial Services she explain the process thoroughly and was very professional and patient after her never was able to reach a professional agent at Toyota financial and all they kept asking for is money money money money money they have not updated my credit bureaus and Toyota is extorting money out of me on XX/XX/XXXX I spoke with Toyota Financial Services again the representative who refused ID herself other than her name was XXXX very rude unprofessional yelling at me told me to go to XXXX and it doesn't matter because I'm going to pay for it one way or the other she said I have a problem with it take it up with some company by the name of XXXX and she left me on hold for 37 minutes and 19 seconds today XX/XX/XXXX I called and representative states to me the outstanding account remains and I need to make a payment treated unfairly I've been threatened and now I think I need the help of the Consumer Financial Protection Bureau they're collecting money from the gap insurance and extorting monthly payments from the account holders Toyota are professional thieves and Mafia type and I need help I can be reached at XXXX Today XX/XX/XXXX I call Toyota Financial Services spoke with the representative and she states that the settlement breakdown of {$28000.00} is not correct but yet 3 phone calls prior to today the representatives all of them stated the figures are correct and that I should go back to my insurance company and get more money from the insurance company and give it to them I feel as if I'm being extorted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
I inquired about pricing on a home equity loan from the company " Figure '' ( NMLS XXXX ) on XX/XX/2018. They collected information regarding my income and property address. Their online portal notes that " checking your rate will not impact your credit score. '' I assumed that I was providing information to receive an estimation of pricing - ( rates between x and y %  ). I later received an adverse action notice saying my credit application had been declined as they could not verify my credit history - I don't believe they completed a loan application, so I don't understand how I can be denied a loan that I hadn't actually applied for yet. I believe this was unfair and deceptive. Upon contacting the company they claimed that by requesting to check my rate I was making an application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
After viewing my credit report I saw collection on my account that wasnt my accounts

Company response to consumer: Closed with non-monetary relief