vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020 I received a mobile banking alert from my bank at the time Bank of America alerting me that my account was negative, upon checking my account I noticed that it was severely negative. I have tried contacting the bank after multiples attempts to get in touch with someone I was placed on hold for long periods of time until the call eventually dropped. I was finally able to get a hold of someone, finally get transferred to the fraud department to only find out that my account was closed without speaking to me regarding the fraudulent activity that took place on my account. A month prior to this incident I have contacted the bank alerting them that fraud was suspected on my account due to funds disappearing without my authorization.

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 2020-07-04 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: Reliant Financial Corporation
State: TX

Complaint narrative:
XX/XX/2017 I made my vehicle payment and Gold acceptance/Reliant financial just came and took my vehicle. I was never over 30 days late on any payment to them. When I called them they told me I had to pay it in full before I could get the vehicle back. Then they sold vehicle and would never send me a copy of the sales receipt from the auction house. They had my account closed as a Profit and loss charge off..now it states in collections and I have been getting charged a lot for so called unpaid balance. The original balance was {$3000.00} now it's {$8900.00}. First and foremost they took a vehicle that was being paid for every month and now they are robbing people blind. 
. -- This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a used vehicle loan with XXXX XXXX XXXX since XXXX of XXXX. The lender is falsely reporting that the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. Lender 's own payment history on account demonstrates otherwise. XXXX XXXX XXXX processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX, and a processed a payment on XX/XX/XXXX. I have attached a print out of payment history from the lender 's customer portal on their site XXXX XXXX XXXX XXXX XXXX XXXX. The payment history confirms payments during those months and also include payments made before and after as well. I have also attached canceled checks for those aforementioned payments. 

I have made a complaint through creditor that was not addressed by lender and I wrote lender a letter with attached proof pf payments via USPS return receipt letter that lender did not reply.

The error is not only false but is severely hurting my credit score. XXXX XXXX is implementing PREDATORY LENDING behavior as it uses credit history or erroneous payment reporting to harass and discriminate against borrowers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a account with Discover Card, over the months i notice their unprofessionally business. Now on the of XXXX i had an emergency and i happen to pay the bill on XX/XX/. The bill was due onXX/XX/XXXX. however i called and see that my payment was never late they happened to fix it and it was only one day and i was the one that caught it but because it was an emergency my mind was blanked on the that day it was due. They discover promised to send me a email after the conversation after waving the late fee but never did.. 
i happen to go in my account today XX/XX/ and saw late fee {$40.00} plus the next payment due on XX/XX/ of {$81.00} which should be {$59.00}. In other words the late fee was waved so the amount added should be taken off. I called and was told the fee stays and next month that's XXXX the money come back down, which makes no sense because i am still paying the waved late fee. i need you help to look into this before the bill is due on XX/XX/. i will not pay the {$81.00} it should be only {$59.00} because the fee was taken off. this is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
XX/XX/XXXX notified of credit report having a collection account added for XXXX from drs Never received right to dispute letter. 
I do not owe this bill. I contacted XXXX XXXX and XXXX XXXX and they both say I dont have a bill due. 
In XX/XX/2020 a company called XXXX XXXX  tried to collect the same debt and found the debt was not owed. The company said they would delete this and the account would not get sold since it was a fraud collection attempt. 
Now here it is XX/XX/XXXX and XX/XX/XXXX and a company drs has placed the same account on my credit reports for the same account. XXXX XXXX and XXXX XXXX have said nothing is owed. 
This bill collection is a scam and fraud. 
Also, they never sent a notice to dispute. 
Also, I was told this account was moved for deletion by XXXX XXXX back in XX/XX/2020 since it was fraud collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TX

Complaint narrative:
filed over 60 days ago print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute all violation proven by the FTC for Former and present violations

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 2020-07-04 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: TX

Complaint narrative:
filed over 60 days ago print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute all violation proven by the FTC for Former and present violations

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 2020-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.

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 2020-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
Me and my wife co-signed my nephew 's student loans for four years at XXXX XXXX  ( New Hampshire ). The lender was Sallie Mae. He XXXX  in the spring of 2019 with the loan payments being due starting in XX/XX/2019. He left our residence just as the loans became due and we've lost contact and are unaware of his whereabouts. 

Shortly thereafter, both myself and my wife began getting robo calls about every 20 minutes at our jobs from Sallie Mae. I thought they would first try to collect from the primary borrower, the student, and  was surprised they came after the co-signers so fast. To not risk losing our jobs, we have been making the payments to Sallie Mae on schedule. The primary borrower, the student, has not paid anything. 

We're both in our XXXX  and were planning retirement in the not too distant future. I called Sallie Mae and asked if they were pursuing payment of the loans from the student. They said that once they have the co-signer paying, they no longer pursue payment from their student. I find this most annoying in that the student received the education and has many years ahead of them in order to make payments. I strongly feel thatSallie Mae should continue to pursue payment from the primary borrower ( student  ) even as the co-signers are making the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express Personal Savings Account # XXXX The N.C. unemployment website wouldnt accept my normal banks routing number to receive my unemployment benefits, claiming that the routing number didnt exist, so I looked up other banks routing numbers and American Express happened to be the first one I found that XXXX would accept. I filled out the application and was accepted for a savings account. A few weeks goes by and I am issued my first unemployment payment, with some back pay included for a total of {$2200.00}, but for some reason it wasnt direct deposited, it was issued to me in a check. Since I opened the account specifically to be able to receive my unemployment benefits through direct deposit, I went ahead and mobile deposited the check into the account so it would have a balance on XX/XX/2020. For new accounts they have an 11 day hold on mobile deposits after the check is approved, and I was aware of this at the time of the deposit. On XX/XX/2020 I receive an email stating my check was approved. On XX/XX/2020 I receive an email stating they have deposited my check for {$2200.00} into my personal savings account ending in XXXX. On XX/XX/2020 I attempted to login to my account to initiate a transfer into my checking account where I normally bank, and to my surprise I am unable to login. I contact American Express support and am told without any explanation that my account was closed and they would not be issuing me my deposited funds and wouldnt get any further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was made a purchase at HOMEDEPOT several months ago. The Cashier suggested that I place this charge on my HomeDepot Credit Card. I explained to her that I did not have the card with me. The Cashier said that she could look up the account. So, she did and I completed the Transaction. I pay all my bills with BILL PAY. When it came to my attention that I over looked paying my Home Depot account ( Now Past Due ). When I discovered I was past due, I contacted HomeDepot and explained to the customer service agent that I honestly over looked the Payment. The Agent indicated not a Problem. I made the Payment and the Home Depot Agent removed the Late Charge.

At no time did the Agent advise me that HomeDepot reported my Account 30 Days Late to the Credit Bureaus. I did not find out about this derogatory remark on my Credit Report until I applied for a Mortgage Loan to refinance my home. I immediately contacted Home Depot to requested that the Derogatory Remark be removed. The Agent I spoke with said that I had to send a written request along with a copy of my credit report. So, I did as I was asked and mailed the requested information to Home Depot. I spoke with a Home Depot Agent Thursday XXXX to follow up on my request. I was told my Request was Denied. No further explanation. 

I have a CLEAN Credit Report. This 30-Day Derogatory Mark on my Credit Report is keeping me from Refinancing my home and car. I am attempting to consolidate my monthly cash out flow due to the hard times we are facing as a Country due to the Corona Virus. I have had my Home Depot Credit Card for 6+ Years, and I have never had any problems. In fact, my credit limit is XXXX. 

In closing, I have been under extreme stress not knowing what is going to happen with our Economy. I have XXXX  sons that I worry about. My Older Son is XXXX, which puts him at XXXX XXXX!! I have been under extreme stress, with the passing of my father in XXXX and my mother passing in XX/XX/XXXX after a long battle with XXXX XXXX XXXX and XXXX XXXX. I made a Mistake!! A One Time Mistake with an account that I have had over 6+ Years. I ask the Creditor for help, and the Creditor Turns their Back!!

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 2020-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AE

Complaint narrative:
I opened a Care Credit account for an emergency dental procedure in XXXX XXXX. I also setup auto-pay in order to pay down the debt. Everything was fine for the remainder of XXXX most of XXXX. 

I XXXX XXXX overseas in XX/XX/XXXX, and during that time my auto-pay information had changed and the payments were not going through. At the time I was unaware of this issue. 

Around XXXX XXXX I contacted Synchrony and setup a new auto-pay account with one of their phone advisors. I assumed everything would be fine like before, Later I came to find out that I was getting charged late fees on the same day as my scheduled auto pay. I was getting erroneously charged a late fee on the say I was paying the debt. 

I could view a limited time frame with their app as far as the payment history. I have attached a screenshot of what I could see at the time. 

Eventually, I contacted another phone agent in XX/XX/XXXX with the purpose of paying off the debt and closing the account completely. I spoke with someone named XXXX who referred me to someone named XXXX. He assisted me with paying off the total balance of {$1500.00} and closed the account on the same day. 

The reference number I was given is XXXX. 

It's now XX/XX/XXXX, and I have multiple emails from Synchrony Bank stating I owe them {$40.00} towards that same account that should have been closed. 

On top of that my credit score has been negatively effected by this {$40.00} that I do not owe.

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 2020-07-04 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Back in XXXX of this year, I received a letter in the mail from Citi XXXX XXXX stating they have completed their investigation regarding my Office Depot account. In the letter, it states if I have other evidence that I would like them to consider in regards to my dispute please mail the supporting documentation. On XX/XX/2020 I mailed off further documentation providing more evidence that the item they're claiming I have has been picked up. I have not heard anything else from them since I mailed the letter off, yet I am still being charged on my credit card for an item I do not have. Earlier this year in XXXX I received a credit card from office depot with a {$1000.00} credit limit. When I received the card I went online and tried to place an order and it got declined. I'm thinking well maybe I entered some information in wrong so I went back and tried to complete a second-order that also got declined. After that, I gave customer service a call, which is awful by the way, and they had put a stop on my new card that I had never used before. Stating they thought it could be possible fraud due to the large amounts. The two orders only added up to about {$200.00} or {$300.00} dollars so I was confused about why they put a stop on my card. The customer service agent removed the stop and stated over the phone it was okay for me to start placing orders. What was NOT stated on the phone was the two previous orders I originally placed would go through. So now I've been charged for 3 desks and chairs. All items that I have been wrongfully charged for have been returned. I have no desk and only have 1 chair. All other items are returned. The chair amount is {$140.00}

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 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a credit freeze on Equifax due to their high profile mishandling of consumer data from a few years back. However, recently when I tried to login and unfreeze my credit the site locked me out and said the only way to unlock my account would be to contact their customer care center by phone. 

So, I called their customer care number and spent over an hour on the phone trying to get answers from them. Finally, they determined that the only way for me to reset my account would be to send a letter including proof of identity ( Drivers license and copy of social security card ) to their headquarters to verify my identity. 

That letter was sent 3 months ago ( XX/XX/XXXX ), and I still haven't heard a word from their organization AND my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX has been blocked by pnc. I can not connect to send money and it is something pnc did to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc will not allow XXXX  XXXX XXXX company to link to my account.

Company response to consumer: Closed with explanation