vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX  received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. 
After that, another collection agency bought the balance by the name of ( XXXX ), XXXX   XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. 
Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The account is closed. It shows " charged off '' on my credit report. 
It keeps showing as a late payment on my credit report, EVERY MONTH. 

If it's closed and charged off, it should not keep appearing every month.

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 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2019, I went into the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I gave the Teller {$1300.00} to deposit into my checking account. I only wanted {$1200.00} deposited and I received {$5.00} back in change. I gave her my California Drivers License since I did not have my bank card with me. I am a student and really needed the funds in my account to secure housing. I did not realize the missing deposit until it was time to pay my housing expenses. The wrong bank account was credited in error. I immediately called the bank and they directed me to return to the branch where an adjustment could be done. 

On Wednesday, XXXX XXXX, 2019, I returned home to actually go into the Branch to get the error corrected. I met with a Banker and explained to her the situation. She said it should be resolved within 2 business days. Immediately after leaving the bank, I received a call from the banker asking who an unknown name was. I told her I did not know and the call ended. 

The following day I called the Branch and asked to speak with the Banker. I was told she was not in yet and they would have her call me when she arrived. Later in the day, since I had not heard back, I called again, and I was told they are trying to resolve the issue and were still investigating. However, they continue to add days to when it will be resolved. She immediately called me back asking additional questions regarding the facts we discussed the previous day. I reiterated the facts. 

She continued to get the amount wrong while continuing to add false information. It should not be difficult to credit my account since I gave them my deposit receipt with pertinent information. This is my money that should be credited to my account. Please help! I am a student and can not afford to give the bank {$1200.00}. I have no idea whose account was credited with my money, because my account does not end in XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit
State: FL

Complaint narrative:
AUDI FINANCIAL SERVICES IS RIPPING ME OFF AND FRAUDUENTLY CHARGING ME EXCESSIVE FEES FOR MY AUDI. THEY ARE IN VIOLATION OF THE LAW AND PERFORMING ILLEGAL PRACTICES. 

I WAS PAYING {$770.00} TO AUDI FINANCIAL SERVICE FOR MY LEASE, THEN I BOUGHT THE SAME CAR AND AUDI INCREASED MY LOAN TO $ XXXX MONTHLY BECAUSE THEY DID NOT WANT ME TO KEEP THE CAR. THEY WANTED ME TO BUY ANOTHER LEASE WHEREAS THAT WOULD LOCK ME IN SO THEY COULD MAKE MORE PROFIT OFF ME. THEY CHARGED ME AN UNFAIR HIGH INTEREST RATE THAT DID NOT FIT WITH MY INCOME. WHAT THEY ARE DOING IS ILLEGAL AND THEY SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
A dispute was made to correct inaccurate information being reported yet they updated with more inaccurate late payment information. This account was closed on XX/XX/XXXX charged off on XX/XX/XXXX and sold on XX/XX/XXXX 

Explain to me how can I be 90 days late 8 times in XXXX when this account was closed onXX/XX/XXXXand charged off on XX/XX/XXXX. 

Explain to me how can I be 90 days late 3 times in XXXX ( when they closed the account with no late payments ) XXXX XXXX of XXXX after this account was closed on XX/XX/XXXX and charged off XX/XX/XXXX.

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

Complaint narrative:
My credit report shows a 90 day late with a with a credit card company that I set up a payment plan with. The report is false incorrect. I was scheduled to pay installment amounts for 3-4 months of {$35.00}, {$60.00}, and {$120.00} to avoid late fees and penalties in XXXX of XXXX as well as XXXX   of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2017, I was injured at my place of employment. As protocol advises, XXXX was contacted and I was advised to go to XXXX XXXX XXXX XXXX for medical treatment. 

In late XXXX, I logged onto XXXX XXXX and noticed a negative item on my credit score. The item was a debt collection from AWA Collections in regards to my workers compensation care at XXXX XXXX XXXX care on XX/XX/2017. 

As this is workmans compensation case, this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX/XXXX/19 - I went to annualcreditreport.com to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not XXXX or TransUnion

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 2019-10-11 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: WI

Complaint narrative:
Transunion is report 3 late payments to XXXX on an ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX 1st late XX/XX/XXXX days late ( false ) 2nd late XX/XX/XXXXXX/XX/XXXX days late ( impossible ) 3rd late XX/XX/XXXX days late ( false ) This is just impossible how can an account be 30 days late multiple time never 60 or 90 days. I was never late on this account. This account is closed, paid in full, I have the receipts to prove such action from this bank! Moreover this whole account needs to be removed for all the errors or corrected to a paid in full never late status or I will sue. I have been working with a consumer attorney if this action is not fixed with in 30 days.

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 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XXXX/XXXX/2019 I signed a retail installment contract to finance a new XXXX XXXX XXXX ( Amount financed XXXX - 3.99 % APR - 72 months ) through TD Auto Finance. The deal structure contained a trade with XXXX negative equity for a vehicle my wife and I have financed through XXXX, I left the dealership without taking delivery of the vehicle and with the paperwork to have my wife sign the title to the XXXX over and go through with the deal. My wife refused to sign the paperwork, so I called the dealer to ask if they could flat cancel the deal prior to funding the deal with the bank on XXXX/XXXX/2019. 

On XXXX/XXXX/2019, I spoke to the general manager of the dealership and was notified the deal was flat canceled and the payment ( check ) to XXXX XXXX for the trade was canceled as well.I received a statement from TD Bank on XXXX/XXXX/2019 notifying me that my payment was due on XXXX/XXXX/2019. I called TD Auto Finance and was routed to their dealer management department which I provided my complaint that this was supposed to be flat cancelled and I don't actually have the vehicle they're asking me to pay for. TD Auto Financed informed me that they work with a network of dealers, will have to talk to the dealer, and that they don't have responsibility to monitor whether every deal is credible because they're essentially just buying the contract the dealer executed. I've talked to the dealer multiple times between XX/XX/XXXX and XXXX/XXXX/2019 and have been told that the bank should have flat canceled the deal, we did flat cancel the deal and we will call the bank and straighten it out. I have also talked to TD Auto Finance multiple times and they've told me that the dealer wants to work with me to a resolution, and that this isn't their problem, they'll hit my credit if I don't make my payment within 30 days of the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was denied a discover card for rebuilding credit. Not sure why? My friend has worst off credit and they were approved for XXXX the it card i believe or whatever card is for rebuilding. I try and to get my hockey team on it. I talk to associate and said i should be ok and then wasn't. No really response and not helpful. i think they judgmental and should approved all rebuilding and poor credit people so we can rebuild our credit score. I was approved before and now deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent Experian multiple letters expressing my concerns about inaccurate accounts on my credit report. I have asked them to verify 5 accounts on my credit report. I received a letter from them saying the accounts were verified, but did not provide me with any information or documentation showing how they verified the information or how it was my accounts. I then sent them another letter asking them to provide documentation showing they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted the accounts from my credit report. I have also sent Experian a copy of the XXXX letter and they still refused to delete the accounts. I have also contacted one of the collection agencies ( XXXX XXXX ) to make sure everything was correct that Experian was reporting but they said the account that Experian was reporting with my name on it was a different amount than what they reported. Showing how Experian did not conduct their individual investigation. I will provide all documentation that I have to show Experians inability to follow the laws.

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 2019-10-11 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:
I recently tried to log into my US Bank account and apparently the password was incorrect. As I tried to login a few times my account was locked. When I hit the reset password link, it required me to put in the last 4 of my social. It then moved to another page and asked me to enter my pin number in order to unlock the account. I don't share my pin with anyone because no one should, and I work in an XXXX XXXX related field so i know how foolish that request is. When I called US Bank to get my account unlocked, I provided my full social, date of birth, mother 's maiden name and my full name. They then also asked for my pin. I told them that's information I don't share with anyone, and I had given all qualifying information that should be necessary to unlock the account. I asked if there was any other info I could give them to unlock and they said I would have to go to a branch and give them my pin to unlock the account. I told them if I went to the branch I would be closing my account because their processes are opening the door for fraud to take place. In short, they would not allow me to access my account unless I provided my pin number either on a website, over the phone, or in person.

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 2019-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I enrolled in college in 2010 got {$8000.00} in student loans and navient kept telling me ( because I was struggling to find work ) economy went bad and they kept telling me no problem we will put it in forbearance without telling me they were charging me interest like crazy. now I owe over {$20000.00} and they are constantly calling and demanding payment and I cant afford what they want I am very upset and hope these lawsuits against them put them through the same misery they have been causing the people they have extorted for the last 10 years thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code. 
Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: MA

Complaint narrative:
Equifax reported a hard inquiry from XXXX XXXX XXXX XXXX occurred on XX/XX/XXXX. I have not had any dealings with XXXX XXXX XXXX XXXX. This is the third time XXXX XXXX XXXX XXXX g=has made a hard inquiry regarding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX the loan company took out 2 car payments The second one was done without my authorization. When I called them, they said they would issue credit immediately, they did not. Called the next 2 days and still no credit. I called my bank and they credited my account and then debited back car company. Within 2 weeks, the car company credited my account and my bank credited them back. Every day since XXXX this company has called everyday or emailed they want their payment back. I explained my bank did give them it back. They called stating my loan was in default and I have refused to contact them. I talked to XXXX, XXXX, and XXXX numberous times and sent the documents they requested. Bank statements along with a letter from the bank stating they were refunded. Today, XXXX calls and says I am past due on my payments. I am not they are due on XXXX of each month. In XXXX, they tried taking an extra payment out of my bank account at the end of XXXX I emailed them stating this was done illegally for the second time. They continue to call and harass me and they have their money back from the bank. I told them not to call me during work times, and they continue to call and email. I need help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: KY

Complaint narrative:
On XX/XX/2019 I received a letter from " Hunter Warfield '' collection agency attempting to collect a debt on behalf of " XXXX XXXX XXXX XXXX '' XXXX AKA " XXXX XXXX XXXX XXXX XXXX. " XXXX. They are attempting to collect in the amount of {$1000.00}. This is an unsecured debt in the form of a leasing agreement that has been discharged through a chapter XXXX bankruptcy, as of XX/XX/2019. I have contacted them and am awaiting a response/resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo complaint I was seeking {$1000.00} - this offer is good until Tuesday XX/XX/2019 on the XXXX of XXXX the amount will go up to {$5000.00} due to that fact Wells Fargo send a incomplete and misleading or false report to me and the federal agency 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 2019-10-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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