vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: IL

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 zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this 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 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
Credit concepts is ripping off subprime consumers. I purchased the vehicle at $ XXXX, put down $ XXXX and made monthly payments of {$300.00} for two years then they garnished my wages of $ XXXX-XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? They are just adding ridicolous fees on top of fees. And never no explanation. Theres no way I've paid all this money into this loan and the balance hasnt even moved or decreased. If this were to happen to one of them they would understand and would be arguing this matter too. I am not getting treated fairly and its been since I advised them I was a DV victim and now I am being discriminated and charged. I have a coworker who is behind on her credit concepts loan for 7 months and she still has her they never call or even try to repo her car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: IL

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 the extremely high credit figure you might have displaying on my account. My demand to present this 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 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 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am being penalized on my fico credit score. my score is below 800 it s/b XXXX. I pay my credit card bill every month in full on time. is there anything you can do to change the scoring method? awaiting your reply.

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 2019-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

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 the extremely high credit figure you might have displaying on my account. My demand to present this 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 2019-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: IL

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 the extremely high credit figure you might have displaying on my account. My demand to present this 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 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: IL

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 the extremely high credit figure you might have displaying on my account. My demand to present this 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 2019-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
XXXX XX/XX/2019 - I refinanced my current VA loan and it was sold to Plaza Home Mortgage. I receive a letter from them stating my first payment of {$1700.00} is due by XXXX XX/XX/2019. 

XXXX XX/XX/2019 - I mistakenly send the first payment check to XXXX a month early and call to ask that they either 1 ) don't cash it, or 2 ) apply it towards my XX/XX/XXXX payment. They tell me they will do nothing with the check. 

XXXX XX/XX/2019 - my account shows that they have indeed cashed the check. I call to ask about it and am told that they have no idea where my money is since I do not have an account with them, yet. I am transferred to a " XXXX XXXX '', a manager. They demand proof from my bank that the check was cashed, which I provide from XXXX after several more phone calls. I fax the proof to the number she provided over the phone and hear nothing back for two weeks. I call them again and am told I can not speak to XXXX again, so I am forced to tell my story for what is now the fourth time to an entirely new person, as their records reflect next to no details of what has transpired. Finally, I am told that a letter regarding the resolution of the issue was mailed to me. I receive the letter and it states " Please note that the payment is fixed up to date and the account is current '', which I interpret as they were able to apply the funds they already took from me for the XX/XX/XXXX payment. 

XXXX XX/XX/2019 - I am getting hounded with calls after XX/XX/XXXX from XXXX. They call, let it ring three times, and leave no messages. When I call back, they have no record that they called me. I finally catch one such call and am told that I need to make my XX/XX/XXXXpayment. I ask what the records reflect as there should be no way that I still owe them money for XX/XX/XXXX, and am told that there is no record indicating such a thing. I am put on hold for 25 minutes to be connected to a manager who has a hard time understanding English. The call disconnects shortly after I am greeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
How is this charged off when there is no late remarks on it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX, 2018, I learned that my M & T checking account was overdrawn. I discovered that someone had used my account to make a purchase on XXXX. I contacted XXXX and the charge was reversed. I also notified M & T bank. However, insufficient funds charges and penalties had already been imposed. XXXX restored the money to my account, however M & T did not remove the insufficient funds fees and penalties. Furthermore, the bank took the money returned by XXXX, approximately {$8.00}. Now there is a collection agency demanding {$89.00} for the improperly assessed insufficient funds fees and penalties threatening to damage my credit. M & T must be held responsible for its error and continuing harm it is causing to 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 monetary relief
Consumer complaint received 2019-10-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
How is this charged off when there is no late remarks on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I CONTACTED FORD CREDIT SEVERAL TIMES CONCERNING THIS ACCOUNT, WHEN THE PERSON APPLIED FOR CREDIT IN MY NAME AT THE FORD DEALER I DISPUTED THE INQUIRE AND IT CAME OFF AS FRAUD, I CONTACTED FORD CREDIT AGAIN AND TALKED TO A FRAUD ACCOUNT MEMBER AND XXXX XXXX STATED TO ME IT WILL BE CLOSED AND I WAS NOT RESPONSIBLE FOR THIS LOAN. THE PERSON USING MY PERSONAL INFORMATION IS XXXX XXXX XXXX WITH MY EX WIFE, XXXX HAS BEEN ARRESTED AND SENTENCED SEVERAL TIMES FOR USING MY INFORMATION AND NOW IS WANTED STATEWIDE FOR NEW CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Card Services is violating the credit card act of XX/XX/XXXX by applying payments above the minimum to the lowest interest balances first not the highest. I am attaching statements for XX/XX/XXXX-XX/XX/XXXX since the transfer of 0 interest funds. I called once and had the interest charges removed. When I called on XX/XX/XXXX, about new interest charges the agent and the supervisor both insisted that payment was to be applied to the lowest interest balances first. I noted the credit card act of XX/XX/XXXX, and the supervisor replied that " a global company like Chase would not get it wrong. '' Please note : I am not making this complaint so much to recoup my {$7.00} as I am concerned of widespread violation at Chase and believe this should be addressed at the highest level.

Herewith the relevant paragraph from the XX/XX/XXXX consumer protection law : 164. Prompt and fair crediting of payments ( a ) IN GENERAL.Payments ; ( 2 ) by inserting, by 5:00 p.m. on the date on which such payment is due, after in readily identifiable form ; ( 3 ) by striking manner, location, and time and inserting manner, and location ; and ( 4 ) by adding at the end the following : ( b ) APPLICATION OF PAYMENTS. ( 1 ) IN GENERAL.Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a Wells Fargo member for over 10 years, I had a credit card with them that went to collection. I was in the process to change jobs when I started to running behind with payments and went to collection. After the account was place in collection I reached them to " pay for delete '' and we were able to settled the account. I paid {$510.00} now the account is XXXX balance. I called to send them a Good will letter so see if they are able to remove the account off my credit report, since it has a high impact on my account, hurting my scores badly. They say that I was able to settle for the 40 % and I still have a balance with them. I told them I have my receipt an I have a balance XXXX. This company is not able to negotiate with no one. I believe this in an abuse of power.

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 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Harley Davidson Financial Services Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, i purchased a new Harley Davidson XXXX XXXX motorcycle for {$15000.00}. On XX/XX/XXXX I brought the bike to the dealership for a recall and when I went to pick it up it was gone. It was picked up by the co-borrower and a third party. The sherriff refused to help and it was several months before I got the bike back from the co- borrower. During that time I did not make payments, several phone calls a day came in from Harley Davidson Financial, including additional calls to my place of employment. I lost my job due to the daily calls at work which slowed my attempts to get the account in good standing. As a result a voluntary repossession took place. To make matters worse, hurricane XXXX hit Florida a few days later and was told I could not pay to get it back because it was damaged beyond repair. I was also told, ( by an attorney ), that because the bike was in the posession of the recovery company at the time of the hurricane, their insurance company would have to settle with Harley Davidson. Not long after I received a letter stating it was charged off as bad debt, affected by natural disaster. Now 3 years later, I just received a collection notice for {$8500.00}. Is Harley Davidson entitled to be paid twice? Am I still liable for the loss even though the damage occured elsewhere?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking account with Bank of America in XXXX, 2018. On XX/XX/2018 I deposit a check into my BOA account written out to me from my XXXX XXXX XXXX financial Aid Loan Account. The next day Bank of America close my checking account and told me that it was close for suspected fraud and the check had bounced. I reached out to my other bank and was told that the account was fine need to call Bank of America back and the problem was on their end. I was immediately forwarded over to the risk department and was told that Bank of America reserves the right to not disclose any information and they can close any account whenever they want and they can choose whom they want to conduct business with. Anyways my account was positive when they close my account and I received a refund check to my address. However, Bank of America reported me and my account as suspected fraud to XXXX when I contacted them any times I was never able to get an answer right now I am having a hard time opening up a bank account because of this. There was no fraud conducted on my end I know outstanding balance was owed to Bank of America. I contacted him many times and could never get an answer or a letter of satisfaction. 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 non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2019 I deposited {$580.00} cash at the ATM at US Bank and the ATM took all of my money and didnt deposit any of it to my account so I called the number the ATM gave me on my receipt and they said it could take up to 45 days to get my money back and then I went into the bank the following day XX/XX/XXXX and they said it could be 10 days before I get my cash and that they couldnt tell me when the ATM auditor was going to balance the machine or when I was going to see my money but I really need that money a lot sooner than this and no one was really helpful to my situation.

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 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
My ex-wife ( XXXX XXXX XXXX - now XXXX ) and I ( XXXX XXXX XXXX ) are co-owners of a XXXX XXXX XXXX XXXX that is financed Through BMW Financial Services. She recently moved to Florida and went through the process of titling the vehicle solely in her name. Prior to her doing this I contacted BMW Financial and expressed my concern over her titling the vehicle solely in her name. I was not willing to do this unless BMW removed my name from the loan. I was told BMW would not allow this to happen. 

Well they did just exactly that. They issued a letter to the Dept of Motor Vehicles in the State of Florida giving them permission to remove my name from the registration and title. I feel now I have no recourse if XXXX fails to make payments on the loan. I was told by BMW Financial XXXX could refinance the loan and take my name off. This was the only way I would come off that loan. She is not willing to do that. Why would she? 

So my complaint is : BMW has caused by their actions to create an imperfect title. 

Resolution : Remove my name from the vehicle loan and make XXXX XXXX XXXX solely responsible for the existing loan or issue a new loan attached to the XXXX  XXXX XXXX that is now in her name only. Or at the very least a letter from BMW Financial stating that if XXXX were to default on the loan they will not seek restitution from me. 

I have attached a copy of the letter from BMW and a copy of the old title for the XXXX XXXX XXXX. giving this permission to remove my name from the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
Received letter from One Advantage on XX/XX/XXXX ( Document 1 ), for services from XX/XX/XXXX. Now as stated in the previous complaint, I have received ONE single bill that is supposed to be for ALL pending billing issues. This amount sent to me by One Advantage is supposed to be included in what I had to file a XXXX   complaint to have my financial aid assistance in XXXX of XXXX ( based on phone calls from XXXX XXXX in XX/XX/XXXX, and the incompetence of its staff ). 
Furthermore, this amount is no longer valid ; as my insurance company has reprocessed the claim and PAID IT IN FULL. Reference Documents 2 and 3 ; as shown on page one of both documents, the transaction date is XX/XX/XXXX and also shows that my insurance company paid in full. 
Referencing page two from Documents 2 and 3 ; the claim was sent to the insurance company on XX/XX/XXXX and processed it on XX/XX/XXXX. Referencing Document 1, the claim was processed by One Advantage on XX/XX/XXXX ; which gave XXXX XXXX Hospital fourteen days ( nine business days ) to update their records for this issue before sending it to collections. 
Note : I did remove the name of the service provider from Documents 2 and 3, as it would give an indication of the nature of the procedure I had. The procedure was required due to an XXXX XXXX XXXX XXXX, in which I am under no obligation to disclose to One Advantage. Furthermore, any employee of One Advantage with knowledge of my medical condition would be a violation of the XXXX and HIPPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation