vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 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: MA

Complaint narrative:
My Toyota  XXXX  was repossessed from my driveway. I wa s three  payments away from having the lsix year loan paid in full.   now on my credit report it reads tha t I/O Toyota  {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: FL

Complaint narrative:
Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX. The other two bureaus have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went through my chase bank statement today and i noticed there were monthly charges from XXXX XXXX XXXX of {$9.00}. It was an unauthorized purchases that i never ordered from, the only purchase i did was for XXXX XXXX subscription. Charges were made from XXXX to going back XXXX. The bank was only able to disbute it for up to 60 days and XXXX refuses to refund me all those months from the start. Its a total of {$89.00} ; {$9.00} times 9 months. What can i do about it??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was a balance on my credit report of {$680.00} and I settled with XXXX XXXX for {$300.00}. Then, Capital One updated my credit report to only reflect a {$300.00} payment, leaving a balance of {$380.00} and my credit score dropped 90 points. How can do they do this? I did my research and found this is a violation of the Fair Credit Reporting Act. I have spoken to several people at Capital One and they assured me it would be reflected to a XXXX balance and now it is n't. I am trying to get a mortgage and I paid this account to satisfy my debt and now it just hurt me more than paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted GM Financial who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow GM Financial to run my credit. Other banks that have run my credit without my authorization include : 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, GM financial, and XXXX XXXX via XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
IQ Data International inc : amt XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state RESOLUTION : I demand the business remove the negative report against my SSN at any credit  reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database. <P/>Hope this helps. This has been successful for me personally in have the collections removed from my report however each individual and circumstance is unique.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have called numerous times to pay back my loans when I have been continuously forced into a forbearance or deferment that is just tacking on more interest. I have applied for multiple repayment plans and instead of giving me a reasonable rate, they have expected me to pay them of {$600.00} per month on a {$35000.00} year salary. The company has denied all request, returned all letters without any explanation other than that I was simply " denied ''. I 've been forced to consolidate my loans through another lender with an overbearing interest rate. Now I am not only forced to pay thousands of dollars tacked on by the Navient, but additional thousands in interest from the new consolidation firm. The mistreatment and thousands of dollars they have tacked on to the initial loans are unethical. They do not allow you to understand the loans and what you are getting yourself into. This company is not for furthering your education, they are only for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: NY

Complaint narrative:
This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.

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 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
- I am in the military as a reservist and ended up going on  XXXX   XXXX  for a period of time  XXXX ,  XXXX  and  XXXX  while  Chase  held my mortgage loan.    JP Chase  had my mortgage with an interest rate of 5+ but under  6  percent.    JP Chase  offered to lower my mortgage interest rate to  4  percent which they advised they do for all service members that end up on  XXXX   XXXX  orders. Soldiers & Sailors Relief Act I just received a letter from the IRS that I owe money for unreported income  JP Chase  NEVER EVER advised that while they lower your mortgage interest that they report it as income at the end of the year.   -- what would be the purpose of having your loan reduced if they are going to slam you at the other end. The  1099 Miscellaneous sh ould have been a 1099C ( debt reduction ) as they are saying they are offering the military a benefit.  <P/> This is outrageous and not explained by the folks you speak with on the phone.   Chase offers themselves to be such a military friendly organization. You submit your orders and that is all they require.  <P/> I do n't feel that I had unreported income, this was an offer on their part of offset a debt.  <P/> /r  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
On   XX/XX/XXXX   I went to a bank to apply for a credit card. I was denied based off multiple collections that I didnt know about. Upon calling them to ask what they were they told me they kept receiving return mail and gave me the address they had on file and told me I owed {$840.00}. i proceeded to tell them that the address they had was wrong, I told them I had no idea about them. They then told me the address they had was what was sent to them from their customer.   I feel I shouldnt be held responsible for the collection since they were at fault for the wrong address but they told me I am at fault whether I knew about the wrong address or not. I personaly and my families lawyer feels I should n't be held responsible for their mistake.   They wo n't give me anything in writing stating if I pay in full they will immediately take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: UT

Complaint narrative:
Experian did my fix my issue with the Bankruptcy and refuses to investigate it again per their letter.

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 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On   XX/XX/XXXX  I  sent a debt verification letter to Portfolio Recovery. They sent me some old computer generated statements which did n't cover everything I requested. Afterwards I disputed this debt with the  XXXX  credit bureaus and I noticed that Portfolio Recovery deliberately tried to  re age  the debt by reporting that I made a {$44.00} payment in the same month of  XXXX . In  XXXX     2017  my credit report shows a balance of {$2100.00} then  XXXX  shows {$2000.00}. I have never paid this company anything and refused to because they failed to validate this debt. The partial account number for this account is  XXXX  and it shows for    XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: FL

Complaint narrative:
This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
H & R Accounts Inc. is a collection agency who has had a collection account on all 3 of my credit bureaus since XX/XX/XXXX and at least on 4 occasions has changed the amounts owed. They have also stated on the credit bureaus that I made one payment of {$26.00} on XX/XX/XXXX. I have never made a payment to H & R Accounts Inc. I was able to obtain from Original Provider ( Clinic ) a list of payments I 've made since XX/XX/XXXX when the debt allegedly commenced. Not only was there not any payment made in the amount of {$26.00} or anything {$26.00} and since I 've been on XXXX there have been no payments for anything sinceXX/XX/XXXX. I disputed this erroneous information with all 3 credit bureaus twice and everytime H & R Accounts Inc. verified as there information as accurate. I sent them a request for validation XX/XX/XXXX which they received XX/XX/XXXX and  confirmed by H & R 's representative XXXX on XX/XX/XXXX via 3 way phone call with XXXX to get method of verification. On that phone call XXXX stated the information was accurate and when I told him I have never made a payment to H & R and I wanted to know the method of payment he said he did n't know how it was paid and started to become irritated. I asked him about the balances and how they changed as it did n't correlate with what I had received from the original provider ( clinic ) and he hung up the phone. There are a few other smaller issues with the collection account but these were the main reasons of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.

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 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I took out private student loans from XXXX XXXX when I attended college between XX/XX/XXXX-XX/XX/XXXX. I had 4 loans from them, which they had separated into two groups. I have been paying the two groups separately assuming each payment would be applied to the " loan group '' I was making the payment for. <P/>Long story short, I was paying over the amount due to each group, assuming the overpayment would applied appropriately to each group. I have recently discovered that was not the case, they were combining the payments and not applying them the way I believed they would be applied. Example I owed {$200.00} on group a, and paid {$230.00} to loan group a, I owed {$250.00} on group b, and paid {$270.00}. In all they combined the payments to total {$500.00}, and applied only the owed amount ( some cases slightly over ) to group a, and the rest to group b. <P/>My question here is : Can they combine, what I believed to be, 2 separate payments and apply it as they deem fit? I have been paying these loans back since XX/XX/XXXX and have barely made a dent in two of them, one is paid off and another is about to go over the original term agreement for repayment, which I believed would not be an issue because I had been paying over the amount owed each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: FL

Complaint narrative:
Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus  have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I was contacted by IQ Data International who 's office according to a letter I received in the mail is based in XXXX, WA. I contacted this debt collection agency to work out a debt payment plan and was put in contact with an individual named XXXX XXXX at XXXX x XXXX and his supervisor XXXX XXXX at x XXXX. I was told by XXXX sometime during the last two weeks of XX/XX/XXXX that I would only have to pay a sum of {$800.00}, and this conversation and all others I was notified by XXXX was being recorded, I first made a payment of {$200.00} and two weeks later made a payment of the remaing {$600.00} over the phone. XXXX XXXX had me give my Debit Card information and security code to him over the phone to arrange the payment, unknown to me IQ Data International had already charged my account almost {$600.00} in the form of a check that same day. I unknowingly paid DOUBLE the amount I initially agreed to and was not notified that this circumstance had transpired until my card was declined at a convenience store while I was trying to buy my child supplies and gas for my car. I have made numerous attempts at contacting IQ Data International and have received absolutely no word at all and no one has made any attempt at resolving this issue with me. At current standing my bank account is overdrawn $ -XXXX. This is absolutely unacceptable. I would be glad to let them keep the agreed upon payment of XXXX XXXX if they will refund me the other {$600.00} plus a {$35.00} overdraft fee. I have already contacted the BBB and filed a complaint, I will continue to report this issue to every department of the Federal Trade Commission, Offices for Consumer Protection, and the Trade Commissions and Attorney Generals Office of Washinton State until my funds are returned and this issue is resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief