vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I set up a payment arrangement 2 weeks prior & I paid my car note the same day It was repossessed unknowingly. When I inquired, I was advised there was no documentation.My main concern is the integrity, motive of all individuals that work for this organization, & the customer service is extremely poor. I was ordered to cancel my payment & pay again before my vehicle could be released. 

Prior to the balance being re-paid in full, I scheduled an appointment Per XXXX XXXX website to pick up my vehicle the next day. The repossession refused to release my Vehicle even after accepting payment. They then released my vehicle 3 days later & demanded I pay an additional {$370.00} for storage fees, because of their error. There was never a delay in my response and I was cooperative in the process of the recovery of my vehicle ; before, during and after work ; in which caused my mental health condition to worsen. I have recorded phone conversations and emails. I stayed in communication and was forced to pay additional charges and inconvenienced financially. I was verbally attacked and belittled by several individuals within the organization. Each time I request for management to pull a phone call and or review notes from what previous agent promised, their response was, they have no record of the information and refuse to assist professionally, and responsibly. They also wouldnt release my vehicle upon arrival until I signed a document ; confirming I received personal property. The same day, I immediately notified both the finance company American Credit Acceptance , XXXX XXXX & XXXX XXXX XXXX about the mechanical damages & visible damages to the body of my Vehicle. I then spoke with XXXX XXXX, who request I send in proof of repairs ( mechanical repairs ) & pictures of my Vehicle as proof my Vehicle was in good condition to be reimbursed. After receiving documentation of the condition of the Vehicle, she proceeded to rebuttal & make excuses why they were not paying for the damages they caused on my car & or the mechanical issues. All documentation & pictures were proof there were no issues with the vehicle both the body and mechanical. Since then Ive been paying out of my own pocket for the damages they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on  my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from XXXX XXXX XXXX , XXXX until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX  XXXX XXXX and all the other Financial Institutions. I spoke with XXXX  XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!

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 2018-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Evening ; As you can see, I'm very meticulous when it comes to my credit and pay everything on time or even way before it's due. As I was going through my credit report for the last 3-5 years, I was shocked when I reviewed my credit report and found the late payment on the dates below : XX/XX/XXXX/XX/XX/2016 - 30 day 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 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 2018-12-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I purchased a couch from XXXX XXXX in XX/XX/2016. I earned rewards totaling around {$700.00} on a certificate with a 6-month expiration date. I researched the account and saw online that points do not expire for 36 months, so I called customer service to inquire about the policy. 

I was told explicitly over the phone that the certificate was only good for 6 months, but the actual rewards were good for 36 months. I would be able to get a new certificate at any point within the 36 month period. 

I called in XX/XX/XXXX to get a refreshed certificate, and was told those {$700.00} had expired after 6 months and that 'points ' and 'dollars ' are completely different -- the exact opposite of what the original agent had told me. 

The second agent I talked to took no accountability, and said the policy was clearly stated in their rewards information ( this same information that was confusing and led me to call in the first time ). He made no attempt to correct the situation. 

I know XXXX XXXX is small and can often fly under the radar, but I urge you to investigate these shady policies and practices that I believe are intentionally designed to deceive customers. 

Banks should be held fully accountable for deceptive practices even when they are part of partnerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
The servicer contacted me back XX/XX/XXXX of last year and told me that my loan was due for repayment. I specifically asked them to send me any original paperwork bearing my signature from the original date of loan. The representative said they do not provide that information and I will have to repay the loan without them validating the signature on the loans.

I have sent them a letter in XX/XX/2018 requesting the same information again and never heard from them again. I received a letter on XX/XX/2018 stating they are proceeding with wage garnishment without following proper Federal code ( 4 ) ( h ) ( 1 ) ( B ) Federal Rule to Civil Procedure of sending a summons to appear in court. I am sending them a letter in writing again with return receipt requested, asking for Original documents Bearing My Signature from date the loan was started. The loans were cancelled 1. XX/XX/2006 and loan number 2. XX/XX/2006. They were both cancelled on the same date. I didn't attend this school nor did I sign any loan paperwork for this institution.

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 2018-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was looking to reserve a personal home for a vacation on XX/XX/XXXX-XX/XX/XXXX and I found a space online. I exchanged some emails, phone calls, and a contract with the alleged homeowner and agreed to a {$730.00} rental with a {$300.00} refundable damage deposit. The individual requested I specifically use XXXX to transfer the funds and on XX/XX/18 I transferred {$1000.00} and on XX/XX/18 I transferred the remaining {$35.00}. 

As the weekend approached I reached out to the individual a few times with no luck and I started getting very concerned that I had been frauded. I was able to briefly get in touch with the individual, and asked for a refund per the contract but I was never given a refund nor given the promised accommodations. 

I filed a complaint with PNC bank to dispute the payment but they denied the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection

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 2018-12-08 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A  ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection

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 2018-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I am on a payment plan with XXXX  XXXX in the amount of {$170.00} monthly for medical bills incurred in XX/XX/XXXX. I've been paying this amount for long time. In XX/XX/XXXX XXXX  XXXX turned over a portion of the debt to Revenue Group, a collection agency. I contacted XXXX  XXXX and they would not help. I told the customer service agent I had been paying and didn't understand why a portion of the debt was transferred to the Revenue Group. She would not research my account or look at payment history. I asked to speak to a supervisor and she said someone would call me back. This was now weeks ago and no one has contacted me. The Revenue Group continues to contact me for payment of a portion of the debt. I disputed the charge and told them I've been making payments to XXXX. The Revenue Group sent a letter date XX/XX/XXXX stating the debt is valid and owed to them. I am sending Revenue Group another letter dated XX/XX/XXXX stating I've been making my payment per my agreement with XXXX   XXXX   and will continue to do so. I am not working with Revenue Group and there is no justification for my debt going to a collections agency. I have continued to make payments to XXXX  XXXX during this timeframe and they are accepting my money. I just made another payment today XX/XX/XXXX for the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
I received a notice from synergetic communication inc on XXXX. It stated that XXXX XXXX XXXX was their client and was collecting a debt from XXXX XXXX XXXX. 
I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I Withdrew due to the lack of quality education I was receiving, and the expensive tuition charges that were raised significantly since I had enrolled with no legitimate charges. A few months later in XX/XX/XXXX, I learned of the probation of XXXX and upon further research I had learned out that they were suspected a fraud. 

Later, I am a class member of the current and previous investigations and due to an automatic student loan forgiveness and also class action award due to the fraud and litigation against XXXX XXXX XXXX, and XXXX for defrauding federal grant and loan programs and the agency that approved its accreditation. 

The debt was 13 years ago. I am eligible for borrowers defense regarding my loans which also happen to be with serviced with XXXX and fed loans which also are in litigation for fraud. 

This system is corrupt. I called XXXX last Monday to obtain any transcripts that they may still have available on my file before all campuses are permanently closed. I then received a letter from synergetic For a debt that I dont even own from a fraudulent campus from 13 years ago. 

Stop pursuing money as you already stole enough from me and the government. Not only should synergetic communications inc and any other collection agency be allowed to collect on fraudulent student loans, XXXX XXXX XXXX should be ashamed of themselves for going after decade old money for a product/service they did not provide!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Beginning in XX/XX/2017 I've disputed the student loans reported on my credit profiles by Navient, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I received a overdraft fee from Pnc Bank, when I have a line of credit. The line of credit was not used nor was the funds in my other savings account.A {$36.00} fee was placed on my account for a mistake made by the bank? I would like the fee to removed and added back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-08 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Inquiry put on credit XX/XX/XXXX From citi cards cbna Also one from XX/XX/XXXX from cbna I did not authorize either of these hard pulls nor did i apply for credit or loans through this company.i have sent a letter XX/XX/XXXX to citi cards at XXXX XXXX XXXX XXXX XXXX sd XXXX.i have yet to recieve a response.

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 2018-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have no contract with this collection company.

Company response to consumer: Closed with explanation