vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lake City Credit
State: VA

Complaint narrative:
On Friday, XX/XX/XXXX a XXXX from Lake City Credit contacted me on an alleged credit card that I had opened in XXXX, and showed a last payment in XXXX. I asked him to provide proof that this was mine. He feigned confusion. Call was ended. 
On Monday, XX/XX/XXXX he called again. Same script. Asked the same question about providing proof. He proceeded to tell me that no proof was required as they were not the issuing agent and they are just here to collect. It spiraled and the call ended. 
Today, XX/XX/XXXX he called again. This time acting like he had never spoken to me. When asked for proof he assured me letters had been sent to a prior address. Frustration got the better of me, and I ended the call. The same number called me 3 more times in a 5 minute period without me answering. 

They have called from XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CT

Complaint narrative:
XXXX XXXX XXXX keeps incorrectly showing my account as being late. They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/XXXX. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. I tried to dispute this with Transunion, but their website is not allowing me to start a new dispute.I am not 30 days late and did in fact pay my XX/XX/XXXX payment, and my XXXX and XX/XX/XXXX payments.

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 2019-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
On XX/XX/19 my auto loan account ending in XXXX assessed a return check fee in the amount of {$30.00}. This was due to my personal checking account being compromised and having fraudulent activity and bouncing this payment. Please note the checking account is not with Suntrust only my auto loan. Shortly after receiving notification from this company I called on and spoke with a representative from this company and they advised they would waive the fees. After making my payment today on XX/XX/19 I noticed this was not done. I called and was transferred to 6 different people and repeated my story multiple times to which in the end was hung up on by the last representative. I called back and asked for the executive complaints department and was told there was no such department. I find this highly unlikely as I personally work for an auto loan company and know there is such a department.

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 2019-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call at my work place today XX/XX/XXXX from XXXX XXXX XXXX ref # XXXX. They stated that I took a loan out with Ace Cash Express on XX/XX/XXXX. They did not tell me the amount. I have had to previously dispute a payday loan with Rise. I had to file a claim of fraud and send it to them to dissolve the issue. This is the first notice I have had of any debt owed to Ace Cash Express. I was then called by XXXX by XXXX who threatened to come to my work to serve me with court papers. I have not taken out a payday loan in over 10 years. They did not care that this was not taken out by me. I was told that I either had to pay the debt or they were taking me to court. I informed them that I was filing a complaint with CFPB and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion was contacted about unauthorized inquiries. The representative told me that they could not be removed unless the creditor gives a letter. I informed the representative that these companies have been contacted and they do not have any information with my name and can not provide me with a letter. The customer service representative stated that these inquiries will remain on my report. I really need someone to investigate this matter. I did not authorize these inquiries. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX    XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-15 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: National Collection Systems, Inc.
State: TX

Complaint narrative:
I have disputed this entry for National Credit Management several times. I have repeatedly asked them to send me a copy of the signed, exclusive contract between National Credit Management and myself for repayment. The only response I've received from them is documentation I've had with my school. They refuse to send me a contract stating conditions for repayment between me, XXXX XXXX and them, National Credit Management. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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:
This has been a identity theft

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 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
On XX/XX/2019 I received my first bill from XXXX XXXX XXXX Hospital for {$2200.00}. I have made payments on their online system of {$300.00} every month since receiving the original bill. 

XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} I received a statement in the mail dated XX/XX/2019 stating that I had overdue balance of {$1000.00} and the balanced needs to be payed on or before XX/XX/2019. 

I went to pay balance online on XX/XX/2019 and the outstanding balance listed is {$0.00}. A highlighted portion of the page indicates " You currently have accounts in bad debt collections. Please contact customer service to make payment arrangements on those balances. '' I contacted customer service on XX/XX/2019 to try to understand what is happening. The rep indicated that my balance had already been sent to a collection agency and that there was nothing they could do even though I have been paying monthly installments of {$300.00}. The rep indicated because I did not schedule those payment amounts with XXXX XXXX that the balance has gone into arrears. The rep said I should have received a letter from the collection agency as it was sent to them on XX/XX/2019. The rep gave me the telephone number of the collection agency as I could not pay off my balance through XXXX XXXX. Keep in mind that the statement indicates I have until XX/XX/2019 to pay off balance and not have it reported to the credit bureau. 

I contacted the collection agency on XX/XX/2019 who said I should have gotten or would be getting a letter to pay the arrears amount. I indicate I had not received any communication from them. I used my credit card to pay the balance plus a {$5.00} fee for using the credit card to XXXX Hollis Cobb on XX/XX/2019 in the total of {$1000.00}. 

I should not have my credit score effected when the statement indicates that I have until XX/XX/2019 to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I logged on to my Citi online account and noticed a balance due and that a payment had been made on XX/XX/XXXX which I did not authorize. My account had been paid off with a XXXX balance since last XXXX, XXXX. When I checked the transactions ( made XX/XX/XXXX XX/XX/XXXX ), I knew they were fraudulent as I have never been to XXXX and have never done a cash advance on my account. I immediately called Citi to alert them of these unfamiliar charges and alerted Citi that I was not the one that had made that payment on my account on XX/XX/XXXX. They immediately canceled my account and opened an investigation. The representative asked me for my security word which I provided and she advised me it was incorrect and that it had been changed. She also confirmed to me that the billing address on my statement had been changed to an address in XXXX. This in itself shows my account was hacked and this was a case of account takeover. I have never lived abroad nor do I know anyone in XXXX. 

On XX/XX/XXXX, I called Citibank to get status on my investigation. I confirmed to her I was disputing all transactions in XXXX. On XX/XX/XXXX, I called again asking for status once again. On XX/XX/XXXX I received correspondence that the investigation had been completed and I was responsible for the fraudulent charges. On XX/XX/XXXX, I spoke with XXXX who advised me that my investigation had been reopened. Then on XX/XX/XXXX I was able to speak with XXXX XXXX " Executive Response Team after many attempts to reach her and she advised that the investigation was closed as a CHIP card was used and I was responsible for charges. 

Not only did someone make a payment on my account, they also fraudulently charged items, withdrew money and hacked my account to change my contact information. Security on my account has been seriously compromised and my account was taken over without my consent. 

I have never been to XXXX and have my valid US Passport to prove it and can provide a certified copy to Citibank. I also requested that video be obtained of the place where the cash withdrawals were made in XXXX. This will further confirm that these transactions were not done by me or authorized by me. 

I did my duty in reporting it to you in a timely manner. They have not taken the time to investigate this fraud and security breach. 

I filed a police report today at my local police station to be added to this fraudulent claim file. 

I have an excellent payment history with Citibank and impeccable credit and can not let this blemish what I have worked so hard for. They just are not making an effort to assist me in a fair manner.

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I hope this complaint finds you well. I also hope that my complaint will serve as a warning to other individuals who hopefully read this complaint and how to avoid Diversified Consultants. 

First and foremost, after receiving a letter in the mail after noticing that Diversified Consultants has placed a Derogatory Remark on my Credit Report, thereby severely ruining it I was deeply concerned. I had filed a complaint with XXXX as well due to their communications tactics, and their complete disregard to providing me with all of the information necessary to validate the debt in a timely fashion. 

They have refused to provide me with the following information, as per the Debt Validation requirements : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Not only that, but the only letter I received from them was the same letter that I have received previously, and this is deeply concerning to me. As the original balance has been successfully paid off in the past, and they are trying to still collect said debt more than 5 years later! 

Lastly, when I filed the XXXX  Credit Dispute I then noticed in the fine print that they operate as a different entity in my state ( Massachusetts )! This could also cause an error with my dispute as well and I believe this is a under-handed tactic by them! 

They claim to be named Diversified Consultants, Inc., which can be found on the top right of the letter attached to this complaint. However in the fine print they state that they operate as Florida Diversified Consultants in the state of Massachusetts. 

Lastly, they claim that I must inform their office that I am disputing the validity of this debt, instead of having to go through the credit bureaus. 

Please help me resolve this issue, as this is severely affecting my future prospects in multiple areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: NY

Complaint narrative:
This has been a identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I went to XXXX XXXX in XXXX Ga in XXXX of 2018. I originally pawned my title at XXXX XXXX and fell behind. XXXX XXXX bought out XXXX XXXX. XXXX XXXX gave me a new loan and payments at XXXX monthly for 24 months. I was making monthly payments until I lost my job. I fell behind and they would not work with me with my payments. They added outstanding late fees & interest rates went up. I've made XXXX towards the loan and they still want work with me. The only option they are offering me is to return my vehicle. Please Help. Now they say the balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: AES/PHEAA
State: FL

Complaint narrative:
I have a consolidated loan which is currently in " repayment '' status with FedLoan Servicing. The consolidated loan consists of two loans which were consolidated in XX/XX/XXXX. Both loans began with zero payments made to each after they were consolidated. I joined FedLoan 's Public Service Loan Forgiveness program in XX/XX/XXXX.

With each bill I received, the qualifying payments for each loan in the consolidation were both the same, naturally. However, from XX/XX/XXXX to XX/XX/XXXX, a discrepancy in the number of qualifying payments ( I have attached copies of statements for both months ). In XX/XX/XXXX both loans in the consolidation showed as 19 payments for each. Then in XX/XX/XXXX, one showed as 16 payments while the other showed as 22 payments.

I contacted FedLoan as soon as I received the statement for XX/XX/XXXX and asked about this discrepancy. Not surprisingly, the customer service representative could not figure out the discrepancy either and put in a request to have it investigated. every 2 to 3 months I would call in to get a status on the investigation, only to be told that they are " still working on it. '' My last attempt at trying to get this resolved was XX/XX/XXXX. I was told again that they were " still working on it. '' I have attached a copy of this communication along with their response. After many attempts at trying to get this resolved over the past year and a half, I am reaching out to your organization for help. Please advise me on what can be done about this.

Your help is greatly appreciated!

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As per written contract TD Auto has 10 business days after paying off the loan in full to send request to remove lien to NYS DMV. It has not been done and numerous customer services and supervisor XXXX XXXX said they dont know when it will be done and they dont follow written contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During this time I had my Kohls card, the economy crashed, we were devastated by Hurricane Sandy,  lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/XXXX as my husband is in the XXXX XXXX and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: GA

Complaint narrative:
I went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX and XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf.

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While applying for a credit card offer with Citibank for a new credit card offer I received a letter of declination. In the letter of declination the reason stated were as follows : denied due to bankruptcy ; previous Citibank card had history of late payments ; current privileges on an existing account was restricted. The letter also stated that XXXX Credit Bureau was used to make the credit decision. So I obtained a current copy of my credit report but none of the negatively reported items mentioned by Citibank existed on my credit report to justify a denial. I called Citibank customer service to immediately resolve the situation. While explaining to a supervisor that I shouldn't have been denied credit based on the information provided in the XXXX credit report, I was informed that I wasn't approved because although my XXXX  credit report reflected that I was current on all of my loan / credit accounts to date, they had used internal information dating back to 2002 ( info which stated that I had filed for a prior bankruptcy that included one of their credit cards ) all of which was being used to base their credit decision on and deny my credit application. I explained that this information is not accurate and that I expect for all internally maintained or reported negative items be removed immediately following FCRA guidelines. I have requested to have all inaccurate information completely removed from any and all of Citibanks internal databases and reporting outside of the approved credit reporting bureaus ( XXXX XXXX XXXX ) following Fair Credit Reporting Act guidelines and due to inaccuracies in their internal reporting procedures, but to no avail.

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