vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX  lost his job XX/XX/XXXX and is now back to work. He started XX/XX/XXXX. I applied for a mortgage modification on his behalf XX/XX/XXXX. We were informed on XX/XX/XXXX that the bank will not even look at the application. We were informed that their policy is no more than 2 modifications with in a 5 year period, and that I can not qualify for a modification until XX/XX/XXXX. 

The application was submitted by a 3rd person from a HUD  certified Housing Counseling Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was sitting at home and I receive an alert that my credit report changed on Transunion, I looked immediately on XX/XX/2019 right away, my credit card shows Chapter XXXX Bankruptcy, I never filed bankruptcy, I am current with my payments, have never been late. I called Total visa on XX/XX/2019 and explained to them what happened, they indicated they do not have anything showing Bankruptcy, and nothing was submitted to the credit bereaus. The representative stated she would email me proof that nothing was done to my account, and never did, she indicated that I would receive it in two day and never did. Transunion stated that there is a letter but refuses to give it to me. I am not in bankruptcy nor have I started one. I explained this to them, argued with them, asked for proof, I have all my statements and my card is current and still active. on XX/XX/2019 I received transunion report, dated XX/XX/2019 saying they were upholding the bankruptcy, this is fraud, they refuse to remove it.

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 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a total loss on a XXXX XXXX XXXX due to an accident. The loan was through Wells Fargo Auto account XXXX. I check for the payoff was sent from my insurance company - XXXX  - Claim XXXX XXXX. A check was received in the Wells Fargo Auto Loss Department in XXXX AZ per Wells Fargo instructions on XX/XX/19 - XXXX XXXX tracking # XXXX in XXXX Arizona by a XXXX XXXX. 
As of today XX/XX/19 there has been no application of the check, the account is still open and accruing interest and after 5 calls, no representative can provide any answer as to why this has happened.

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 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello, I've had this loan for several years at a fixed monthly payment rate. Now approaching the final two payments, discover has decided to take it upon themselves to submit an " unauthorized '' balance payoff. This has caused other consequences with my credit union account in which the funds were withdrawn. I am appalled! My credit union suggested I contact discover and have them provide a statement declaring this was done in error in order for me not to be responsible for overdraft fees. In the meant-time a monthly payment was scheduled and authorized by me days prior. They were trying to double dip. I tried to resolve this with Discover but they refuse to be compliant. I've never experienced this in the past with discover nor my credit union. I strategically schedule payments in a timely manner at least 95 % of the time. I don't claim perfection, but when I approach the due date I sometimes pay directly on the discover website. This is how discover had access to my account information to retrieve those unauthorized funds from my account. I would appreciate if an investigation can be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
My husband and I had our XXXX child about 2 years ago. During the process, I was working with XXXX XXXX and a XXXX website ( called XXXX ) and other billing avenues ( such as office visits ). During each visit, or via bills in the mail or on the website ( XXXX ) all bills were paid. They would notify me that certain bills were not covered 100 % by insurance, and I would either pay them that day, or log into XXXX and pay them. 

Then about 4 or 5 months go by and we start getting demand/collection letters from a company called : Medical Data Systems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : XXXX XXXX XXXX XXXX XXXX XXXX They offered NO information onto the charges they were trying to collect, what they were for or how they even came into their possession. The only thing we were told was that we owed them money and they demanded payment. We went back to XXXX XXXX asking what these bills were, and what they were associated with - but there was no luck. 

We ended up paying them since the amounts seemed so low ( {$190.00}, {$63.00}, {$130.00} and {$180.00} ), but they proceeded to break up the collections into 4 separate accounts and hit my credit report with not 1 negative mark, but 4 separate ones. Now, they won't consolidate, modify or do anything to assist. XXXX can't find records of anything and they're unwilling to assist. 

I don't know how else to fight back against stuff like this, but it would seem to me that since I was in constant communication with Novant, and that I made payments during every visit, and that their own website showed no outstanding balances - that some errors had to occur somewhere, but I don't have anyone on my side to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
experian has XXXX XXXX as a negative

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: PA

Complaint narrative:
I noticed there was another transaction from a merchant so I called to dispute it and I was told by disputes team they will apply retroactive when the other dispute filed and escalate the credit within 48hrs 4 days later and still no credit as XXXX and XXXX had assured me would happen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I took out a 7 year installment Personal loan to replace the upstairs air conditioner for my house. The rate quoted was 14.99 %, the actual effective rate over the lifetime of the loan is 44 %. I took this out in XXXX of 2017 and have had numerous phone conversations with Discover about how I was misled and deceived regarding the effective rate of this loan.I have told them that I want the loan changed to an actual 14.99 % loan calculated based on total amount borrowed multiplied by the interest rate divided by 7, which is what I was led to believe this loan was.This would give total interest of {$220000.00} over the life of the loan instead I am currently paying at a rate of over {$7000.00} in interest for the life of the loan. My latest call to Discover verified this so that the effective interest rate for the life of the loan is approximately 44 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX collection has been all my report on and off for the last 7 years I have had remove 4 times why do they keep bringing it back on my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX medical bill hippa violation capital one violation caused by their data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TX

Complaint narrative:
XXXX XXXX medical bill hippa violation XXXX XXXXXXXX violation caused by their data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
After opening a brokerage account at XXXX XXXX, I was offered to sign up for their XXXX American Express credit card with the employee. We went ahead and processed the application. Was not told of or mentioned any restrictions. The offer was for XXXX MR points after {$5000.00} in spend per the terms I was given. 

On XX/XX/XXXX around XXXX I gave American Express XXXX a call to confirm the promotional offer was on my card and was confirmed by two different agents AND was given the promo code on my account, which was XXXX : XXXX I've met the {$5000.00} minimum spend by a lot and was not given the points that I was advertised. American Express employees confirmed with me on XX/XX/XXXX on a recorded phone cone that I was eligible for the promotion and that no issues existed. They should be held responsible for their advertisement and what they told me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: GA

Complaint narrative:
I have reached out to your office about fraud on my credit report. I am still seeing things on my credit that should not be there because they are not my accounts or credit cards. 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 2019-09-25 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: GA

Complaint narrative:
I have reached out to your office about fraud on my credit report. I am still seeing things on my credit that should not be there because they are not my accounts or credit cards. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 ( approximately ), I mailed my monthly payment check to USAA Bank on my USAA RV Loan. I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately, the monthly payment was actually {$180.00}. Therefore, I inadvertently wrote my payment check to USAA for XXXX cents short. As soon as USAA notified me of my error via mail, I immediately wrote and mailed a check to them for " XXXX cents ''. During this incident, I was going through a home refi loan. I was soon thereafter informed by my loan broker that USAA issued me a 30 day late on my account to the credit reporting agencies ; due to my XXXX cent error. When I telephoned USAA regarding the issue, I was informed to write an explanation/defense letter regarding the incident and they would conduct an internal review of the incident, in order to determine if their credit damaging action was valid. In one later response, USAA notified me that their final decision regarding my explanation/ defense was deemed " frivolous '' and that the 30 day late that USAA issued to me to the credit reporting agencies was valid. ( Ironically, USAA Bank didn't view their aggressive credit ruining actions regarding my minor XXXX cent error as frivolous ). Since that time, due to my frustration with USAA Bank 's unprofessional action against my credit history, I have recently sent a loan payoff check to USAA, so that I can close my RV loanand eventually end all customer banking services with USAA in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2016 Citi Bank allowed an identity theft to open a fraudulent account in my name. I tried disputing this account and they are refusing to remove this account. Their defense is that it was linked to an alleged checking account in my name issued by XXXX  XXXX XXXX. The account with XXXX XXXX XXXX is also fraudulent and XXXX XXXX XXXX is the one that contacted me about the fraudulent account.

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 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been contacted several times in the past days about making a payment after they have threatened to repossess the vehicle and make me responsible for the payments after repossession. I notified Capital One of hardship in my home due to unemployment for about a month in XX/XX/2017, but they refused to change the interest rate ( let alone show how it was calculated ) or lower the payments, so that I may be able to pay the full monthly amount. They repossessed the vehicle after I made a payment to the account. On a recorded line I was told they would not charge me the repossession fees because they were at fault. I was told that I needed to pay the complete late balance, but since the car was repossessed after the payment was made I didn't need to pay the full past due balance because they had already accepted my payment before repossession. The repossession fees were applied to my account as well as the late fees because I didn't know that the repossession fees were added to the account. After having to miss work a couple of days on my new job and find transportation to travel 45 minutes to reclaim MY car, I had to pay the tow company a fee also before I could get my car back. I notified Capital One of this matter and nothing was done. I was only told that I have to make full payment to bring to account back to current. I also was not allowed to make a payment on the principle balance because they insisted that I pay the late fees from the repossession. They have continuously notified the credit bureaus of late payment but my payments were behind because they didn't do what they promised they would. The original loan on the vehicle was {$21000.00}, but I have paid {$29000.00} to this day. This is more than enough considering they will not show how the interest is calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/XXXX I spoke with a representative ( male voice ) who presented the opportunity to paid my balance if I were to set up 6 monthly future payments. I would no longer have credit available at XXXX 's however after making the very specific payment amounts my account would be paid off. The schedule for payments are as follows and each payment was made through my bank account at XXXX. 
XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ Finally payment was to be XX/XX/XXXX - XXXX $ however due to my recent discovery I have now cancelled that payment to be withdrawn. 
This month I discovered that Synchrony has my account balance as {$460.00} and that it is 105 days past due and delinquent by {$180.00}. Even though each month they have pulled the payment reflecting it as if I made a phone payment. In addition Synchrony has added a {$39.00} late fee to my account each month on top of the interest rate. 
As a result my account reflects a higher balance than before I made the 6 month payment arrangement. They have not reviewed the phone call made with the representative and continue to call each day trying to collect the balance or get me " into '' another financial arrangement. I have asked to hear the recorded phone calls but was told I would need a subpoena to do so. I have sent a request for statements from XXXX until present to be sent to me as I elected to receive ebill back in XX/XX/XXXX. 
I am asking for your assistance as I feel very bullied by this company. 
Acct # is 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 monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XX/XX/2019 paypal did nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last year this was taken off of my credit report because it was False and I had to get consumer finance to contact them. They have now went through another collection agency to try and get money from me that I DID NOT USE THEIR SERVICES!! This needs to be removed from my credit ASAP since it is not mine and they are being nasty about it. 
Someone used my address and information to have phones sent to a address that we no longer lived at and the old landlord brought me a box that was sent back to them which the receipt is attached below, I am LIVID. 

I C System Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1200.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 
DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN 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 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Just received a text from a 3rd party stating they received a call from Jefferson Capital asking for me and that Jefferson capital provided the 3rd party my name and last 4 of my SSN. 

I have not received any mail / communication from Jefferson Capital this is the first time I am hearing of this. 

I called the number the 3rd party gave me and the gentleman stated they called that number looking for me and thought it was me and that they are sorry! Then started are you going to make a payment. I advised that I am filing a complaint because they have not notified me of the debt, they have not given me the opportunity to request verification and that they have violated my privacy by providing A 3rd party private and confidential information about me.

Company response to consumer: Closed with explanation