vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
Hi, I sold a car in XXXX & no longer had possession of the car in the year of XXXX ( worth of car is ~ {$500.00} ). In the year of XXXX I am receiving calls & mail from FINEX GROUP LLC collection agent XXXX XXXX for a debt of over {$4000.00} on the car for being towed & put into storage in the year of XXXX ( 2 years after I sold the car to the new owner. ) The new owner had possession of the car since the sale date in the year of XXXX. 

When I found out that the new owner did not complete paperwork, I went to the DMV to get things sorted out, and the DMV informed me that liability for that car starts for the new owner on the day that it was sold in the year of XXXX. I contacted the police department on the phone & was informed that I did not have to worry about it since the car was already sold in XXXX & I no longer had the car in XXXX. I contacted the tow place & explained to them that I no longer had ownership nor possession of the car when it was towed in XXXX, which is 2 years after physical possession of the car was given to the new owner & was sold in XXXX to the new owner. I contacted the XXXX XXXX XXXX XXXXXXXX XXXX & was informed me both on the phone and as well as in person that I am not responsible for the car since it was sold & I no longer had possession of the car since XXXX. The DMV instructed me to get help from the federal trade commission ( FTC ) & that they would help me. The FTC told me to contact them back when I receive mail back from the collection agency in order to file a complaint at consumerfinance.gov XX/XX/XXXX : -During a phone call XXXX XXXX from Finex Group LLC : She said that I have no other option but to pay the amount of over {$4000.00} for tow debt on a car that I sold two years ago in XXXX. I asked if we could go to court or judge to get help to figure this out, she said no, and that the only option is to pay the {$4000.00}. She told me that the tow place no longer is associated with the debt. I asked who is in the charge of the debt, she would not answer me and would not let me know who was in charge of the debt, just that I need to pay it because it will not go away. She said that I need to pay the debt or it will negatively affect my credit, that there is growing interest of 10 % per year that is accumulating, and the debt will never go away unless I pay. I asked her if I can go to the DMV to sort this out, she said that going to the DMV would not help & paying the amount is the only way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Go Capital Holdings, LLC
State: NY

Complaint narrative:
This debt is not mine please remove this debt 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 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I hold an account with Chase Bank and am encouraged to use XXXX payment system. When using, there is NO consumer information stating that you should only use with trusted sources. I made a payment and it was received by a " scammer ''. Chase and XXXX have the information of the person that falsely took my money and refused to contact the other bank and retrieve my funds. 

I sent {$300.00} by XXXX on XX/XX/2019 to XXXX I have the cell number of that person as XXXX I tried to stop the payment but Chase and XXXX said with " realtime '' they were unable to help me. 
The transaction number was We sent money from TOTAL CHECKING ( ... XXXX ). 
Print this activity Email address XXXX Transaction number XXXX I then sent a request to return my funds ; Email address XXXX Date requested by None Date declined on XX/XX/2019 Declined reason None I have also made a report with the XXXX Police Department I was told that the same people and email have collected many fraudulent funds. How is their account and email able to have XXXX if it's theft? When I asked, no one could answer. 
There was no warning and no other " disclaimer '' on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: PA

Complaint narrative:
i have request a lower interest on my discover card, this is the second time, i have request this..and they refuse, the also tell me to buy future stuff so i may have a lower interest. i have a 25.6 % on this card, is very high interest/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: CA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is now the 2nd time have found that CapitalOne raised credit limit without approval. Credit card companies should not do this and they know high limits, whether used on not, adversely affect credit ratios and thus scores. With this in mind, one has to  question why they would raise limits without getting authorization first? I am certain they would say as a convenience but I doubt that is the motivation. The bigger question is in what way this practice fuels their greed? 

The second issue is they do not have an easy 'mechanism ' to get it reduced. On the website can request an increase but have to call to have it decreased which means having to go through the queue, then verification process, then I'm guessing a couple agents to get to the right one, then probably some sales pitches ... and all this for something never asked nor authorized. 

The third and unrelated issue is that Capital One still posts a business credit card to my personal credit file. No other business card has ever done this so I request that CapitalOne remove the 'connection ' to my personal credit. We are a very established business and if they refuse then I will simply be cancelling the card. The primary issue is that as a business card, the balance fluctuates quite a bit and this can also adversely affect the credit ratios.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
On XX/XX/XXXX I logged into my online banking and discovered that Navient debited my account on XX/XX/XXXX without my authorization or permission for {$150.00}. I have never authorized Navient since the inclusion of my loans in XX/XX/XXXX to automatically pay themselves. I last paid my bill on XX/XX/XXXX and was not subject to collection. I filed a complaint with my bank XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Performant Financial Corporation
State: MO

Complaint narrative:
I received a letter of a parent loan owed that I NEVER took out in XXXX of XXXX   from a company called XXXX. I called them and told them that I never took out parent loan. This loan was over thirty years ago. I knew nothing about this loan until I received a letter from XXXX after my chapter XXXX was discharged in XXXX of XXXX. At that time I contacted my XXXX XXXX pre-pay legal service for assistance. They helped me prepare letters and requested a copy of the promissory note. XXXX sent me forms that I had to have notorized stating I would fully cooperate with the investigation. The forms were returned to XXXX on more than one occasion because they kept saying they did not receive them. 

Now they have turned collections over to a company called Performant who stated that have none of the information I send to XXXX. I sent a certified letter to Perfomant once again, We still do not have a promissory note or any proof of debt and XXXX are saying they are taking my social Security check for a debt that I do not owe. When me and my legal shield attorney called Performant, they said they have a promissory note but it is not legible. 
I have done everything they have asked for yet they are taking my social security check starting in XXXX XXXX.They are violating the Fair debt collection practices act. And taking my ssi will put a tremendous strain on my household. Please help!

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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
CONTRACT CALLERS INC Last reported XXXX  XXXX, XXXX {$270.00} Reported balance Original balance {$270.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 6 mos ) Account status Open Type Original creditor name XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA 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 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX became a member of American Express through a timeshare. In XX/XX/XXXX after some issues with finance I put all the bills that was allowed under XXXX XXXX XXXX. At that time American Express had submitted my account to XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX which is a collections agency. This account has been paid on time since XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX made an agreement. My concern is that it seems American express keeps sending negative hits to my credit account and they should not continue to do this since a collection agreement has been made and is being fulfilled. I am writing you all for assistance because I keep getting a run around from American Express when I call them to update them that their debt is being paid. You are welcome to contact XXXX XXXX XXXX on my behalf my Client ID number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: MoneyLion Inc.
State: IL

Complaint narrative:
I opened a Money Lion account in Summer of 2018. The account charged a monthly fee, part of which was for the service and part was for investment. The company also offers {$500.00} loans to members. I took out the loan and repayments were to be made every two weeks, along with the membership/investment fees. These fees and payments were deducted automatically by Money Lion from my checking account. Money lion has never sent a statement or balance sheet, or any other written information regarding the loan or investment account. I made several attempts to contact Money Lion to resolve issues and questions but was never able to get a hold of anyone, and when I finally was the person had no information to offer other than canned responses. I noticed recently Money Lion has notated late payments toward the loan on my credit reports. I was never aware of the delinquent status and as far as I knew payments were being made as planned. I tried to contact Money Lion again but still had very little luck getting a hold of a live person, and when I did they again knew very little. I tried to pay off the loan balance online and instead of charging me for the loan, Money Lion made nine separate charges of {$36.00} on my account, causing me over {$300.00} in overdraft fees. When I finally was able to speak to someone to pay off the loan and close my account, I was informed that the {$36.00} charges were to bring me " membership '' up to date, and had nothing to do with my loan. When asked why that charge came through instead of the loan payment, the rep couldn't say. I paid off the loan with the rep and requested to close my account. I was informed the account couldn't be closed until the outstanding membership fees were caught up, so essentially Money Lion has {$300.00} of mine in an investment account that I can never get back unless I can pay the so-called " membership fees. '' I feel they are holding my money XXXX in addition to ruiing my credit report. 

I can't stress enough that I have never, not once, received a statement from Money Lion for my loan account, which by itself is questionable business practice. If I had received a statement, or any notification for that matter, the account woudl have never become deliquent. 

So no Money Lion is holding my money XXXX as well as my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Amount continued to rise after I was told it would not keep going up. Amount is now {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly on my credit report a collection for XXXX. ( Please see the attached credit report. ) XXXX contacted me regarding a dept owed and the representative and I were trying to figure out this account because I had previously cancelled the account and XXXX consequently billed me incorrectly. The representative that I spoke with was going to investigate this error further and I was told that I would be receiving a call back. I never received a call and consequently XXXX just decided to send this account over to XXXX XXXX XXXX. When I was made aware that this account had gone to collections, I immediately contacted XXXX and explained the situation and XXXX agreed that someone should have called me back. XXXX agreed to take a payment and XXXX also informed me that they would contact XXXX XXXX XXXX to get this inaccurate reporting deleted. XXXX XXXX XXXX is now saying they can not delete this, which is totally incorrect. This inaccurate reporting is harming my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/19 XXXX XXXX XXXX ( XXXX XXXX ), a Home Mortgage Consultant from Wells Fargo ran a hard pull on my credit without consent. I never was aware and did not sign anything. There was a conversation in which I was simply asking him what the process was and he said he would ask me a few questions and then he would run numbers that made sense for a mortgage. I asked him to not run a hard pull knowing that I needed to protect my credit rating and those affect the rating. 
During a phone call on XX/XX/19 I discovered that he did in fact make a hard rather than soft credit pull and I was furious. Not ready for the process, I was simply asking him about next steps and he has now put me in a terrible position by not authorizing this. 

I now am ready to shop lenders and the date XXXX did this is now outside of the timeframe that multiple mortgage pulls are allowed without negative consequences. I will be also filing a complaint with all 3 credit bureaus with the intent to have this removed. 
In addition to this, XXXX XXXX advised me to try and help my credit report by applying for a loan to help pay down my credit cards. I have come to find out this is exactly the opposite of what someone should do. 
When I asked that he close my account he responded that he did not have to. He called me and I told him I wanted him to. After 2 more emails of telling him I wanted it closed, he said that he did however, I did not receive any other confirmation of this besides his email which stated " It been cancel Have a great weekend and if you need anything please let me know. '' This man has terrible judgement and quite frankly took advantage of my naivet. He does not seem to be an ethical man and I want this removed from my credit report and consequences given to him for his actions. 
Here is his information : XXXX XXXX Home Mortgage Consultant XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX Tel XXXX | Cell XXXX | eFax XXXX 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 2019-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Paid balance in full, before the due date and are charged {$2.00} as " previous balance '' on the next statement.

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 2019-05-03 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: GA

Complaint narrative:
In XX/XX/XXXX I noticed that their was an incorrect reporting on my Experian credit report. This negative reporting according to Experian 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XX/XX/XXXXl I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact Experian and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, Experian only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted Experian 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record  keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Reported fraud on XX/XX/XXXX. A {$1500.00} transfer was made to a XXXX   which I have no idea about. Also a {$76.00} charge for checks that usaa said was sent to some woman i have never heard of in another state. My account was credited these amounts in the following days. Since, i transferred money to my credit union account in the amounts of {$4900.00} and {$4900.00}. It was in my credit union account for over a week when USAA requested it back from my credit union? It was withdrawn on XX/XX/XXXX and as of today, USAA has not given me credit? Im out almost {$10000.00}!! Please help! Ive spoken to dozens of people at USAA and get a different story EVERY time! No one cares! I need this money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Lendmark Financial Services
State: GA

Complaint narrative:
Affidavit was filed XX/XX/XXXX, disputes XX/XX/XXXX, Telephone calls to the company XX/XX/XXXX. Information should not be on my credit report. Theft.

Company response to consumer: Closed with explanation