vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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: DISCOVER BANK
State: MD

Complaint narrative:
During XX/XX/2019, I researched the market for an interest-free credit for a specified time for those creditors with excellent XXXX   scores. Since my income exceeds {$110000.00} and my XXXX is around XXXX, I was surprised to receive a Discovery card with a {$1000.00} limit. Believing they made a mistake, I immediately contacted them and was informed I could reapply in three months for better terms. No explanation was given to the low limit. 
Outcome : canceled card via representative. 

It is clearing credit card discrimination based solely on my zipcode XXXX. Today, I am reaching out to XXXX XXXX ( Banking Committee ) and all state and federal agencies to report this card discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
My wallet was stolen. I checked my credit and saw an account on it. I contacted the debt collector and sent them all of the needed documents they requested. The agreed the debt was not mine but refuses to remove it off my credit report. They are basically holding my credit for ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I am complaining because when I got car it was used and they charged me high high interest rate and I'm almost done paying or I been paid alot I had the car since 2013 and it a XXXX XXXX and I'm paying XXXX and that's way to much to be paying the company or bank is Santander Bank and I feel like I'm being ripped off and they keep threatening me about repossessing my car when I been paying them and probley allready paid them off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I've been harassed by two debt collection agencies. They constantly called all day every 2-3 hrs and during the weekend sometimes. I disputed the information on my credit report  and it keeps coming back verified and I keep telling them that it's wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I fell delinquent on my mortgage as of XXXX of 2018. I called my mortgage company the month before in XXXX of 2018 and advised then I would need 1 payment put to the back of the loan as I was experiencing a hardship. The rep on the phone with my mortgage company advised they could not help me unless I was three payments behind and I would need to be three payments behind in order to qualify for any assistance they could provide. Once I did what I was instructed to do I applied for loss mitigation on my loan and to no avail I was immediately denied for any and all retention options. I have applied several times for loss mitigation and every time they deny my request. However I would not be in this situation if I never listened to the rep and was told to not make 3 consecutive payments. I have gone directly to my investor to open up a case as per the guidelines of XXXX XXXX they can make exceptions and they to are not interested in helping me at all and now want to foreclose on my home. The denial reason is bogus because they are not willing to reduce my interest rate to market rate which would automatically qualify my for a modification although they can reduce it. The investor is part of the issue as well as the servicer. The lenders are able to do whatever they please to homeowners and the CFPB does absolutely nothing to protect the consumers at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I had an unauthorized transaction from XXXX in the amount of {$100.00} out of my Bank of America checking account. I contacted XXXX and advised it was not my transaction. XXXX also email me advising that I had an unauthorized transaction and advised me to contact my financial institution which I did. My XXXX account was disabled and remains disabled. I filed a fraud claim with Bank of America. A {$100.00} temporary credit was provided. In late XXXX Bank of America reversed the {$100.00} credit stating that XXXX sent them information say the charge was mine. I called Bank of America and the claim was reopened. I informed them that I had proof from XXXX stating that the claim was unauthorized and I could send to them. I faxed the emails to Bank of America, and also contacted XXXX again. XXXX once again advised I would have to contact my financial institution for reimbursement of the funds. As of now My XXXX account is still disabled. Bank of America had not resolved the claim, and I am still out {$100.00}. I am currently not using the Bank of America account much. I am waiting to see if this is resolved. I feel that neither company is resolving this issue, and that Bank of America is not doing anything to assist. I believe Bank of America should provide credit in the amount of {$100.00}, since proof has been sent to them showing that the charges through XXXX was not mine.

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 monetary relief
Consumer complaint received 2020-01-06 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My dad passed and was faced with financial difficulties. I have reached out to the company for bereavement assistance and none was provided, just payment arrangement 's only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
We have retained an attorney for bankruptcy filing and advised Tower Loan and have also requested them to not contact us any longer. They were also advised to make contact directly with my attorney. They have continued to contact XXXX at her place of employment even after being advised not to call her at work. My attorney sent a letter advising of representation and for all contact to go through their office, yet they refuse to speak to my attorney and continue to call me daily. Their attorney, XXXX XXXX XXXX, sent a letter back stating they have not contacted me or XXXX since XX/XX/2019, but that is incorrect and continue to contact me and her at work and I have recorded phone calls to prove they are still calling me.

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 2020-01-06 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: AZ

Complaint narrative:
Was served with a complaint from Portfolio Recovery Associates LLC on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from Portfolio Recovery Associates LLC for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. Portfolio Recovery Associates claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. Portfolio Recovery Associates LLC has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The JP XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel Portfolio Recovery Associates LLC followed the rules of civil procedure as well as the JP. Maybe they do this alot as I see many many cases with this same JP. But they failed to verify the debt. If you need further information please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I XXXX XXXX, Purchased a vehicle XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX and was over charged. I paid XXXX for a vehicle that wasn't valued that much-its called ( USUARY ). ********** I literally am paying XXXX for this vehicle, if i pay XXXX to this rip off company. I was involved in a accident on XXXX XXXX and was not at fault. I was injured badly and the vehicle was totaled. Once everything was said and done i discovered that i had purchased GAP Insurance and was told that the dealer overcharged me for the vehicle therefore they will not pay anything towards the claim. Santander Consumer USA my Acct # XXXX has reported to all 3 credit bureaus i owe XXXX towards this vehicle which is incorrect. I would like all 3 credit reports updated and fixed showing this company being removed and marked paid in full.They legally got paid all the money for the vehicle and is trying to hold me hostage in this matter for another XXXX, the over charged amount. 
I want this removed off my credit file or marked as paid in full with all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
I received a garnishment summons in the mail from c/o Zwicker & Associates, P.C that are representing XXXX XXXX XXXX XXXX on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, USPS delivered a letter of correspondence to my home address from U.S. Bank Home Mortgage company requesting a W-9 Request for Taxpayer Identification Number and Certification. I DO NOT HAVE A BUSINESS, and WILL NOT SIGN OR CERTIFY that I have a business as requested by U.S. Bank. In contacting U.S. Bank three times on XX/XX/XXXX, this mortgaging company FAILED TO BELIEVE ME that I DO NOT HAVE A LICENSED BUSINESS. I spoke to the front line customer service rep. informing him that my 'part-time seasonal business of XXXX   XXXX XXXX XXXX was TERMINATED legally with the IRS as of XX/XX/XXXX ' ( home based business ENDING XX/XX/XXXX ), and that I will NOT admit to owning or operating any business now with completing the W-9. U.S. Bank made every effort to manipulate me into putting my Social Security Number on the W-9 Form, Signing it, and returning it. The IRS informed me by doing so would be admittance to owning a business, after confirming that the IRS NEVER CONTACTED U.S. Bank requesting that the W-9 be completed. 

U.S. Bank letter dated XX/XX/XXXX states, " The Internal Revenue Service ( IRS ) requires that we obtain verification of your Taxpayer Identification Number for your account. '' I DO NOT HAVE A TIN and I can only assume that U.S. Bank means my mortgage account with them. U.S. Bank goes on to write, " Please note that the IRS requires you to provide us with your correct Taxpayer Identification Number and that you are subject to {$50.00} penalty imposed by the IRS under Code Section 6723 if you fail to provide us with a correct Taxpayer Identification number. '' The IRS NEVER Contacted U.S. Bank, and per the IRS Clause of Confidentiality, the IRS would NOT access a penalty fee. U.S. Bank is acting Fraudulently by LYING that the IRS requested this W-9. The IRS NEVER REQUESTED THIS W-9, would not share my information to any 3rd party without written permission from me. 

U.S. Bank is fraudulently LYING to purposely gain money of {$50.00} from it's mortgagee ( s ), THREATENING me, the customer with an IRS fabricated LIE. 

Again, I do NOT have a licensed business or any business, and my former XXXX XXXX XXXX XXXX business was terminated in XX/XX/XXXX. I will NOT sign a legal document of the W-9, admitting to a business when I do NOT own a business now and NOT for the last 12 years. 

U.S. Bank should be sued for LYING by claiming the IRS requested this information, when the IRS never contacted U.S. Bank, and should further be penalized for falsifying and threatening an account holder of an IRS Penalty of {$50.00}, when this claim was solely created by U.S. Bank.

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 2020-01-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-01-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief