vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I received a letter in the mail for a debt that I have already paid on XX/XX/2019 from Paragon Revenue Group. The account number is XXXX when I called I got XXXX on the phone very rude and I told her that I have already paid this and to send this back to the original creditor and to cease all debt communications she then hung up on me. I called back spoke to XXXX and told him the same thing he then stated that he would ruin my credit if I did not pay him and I told him I am disputing the debt and to send it back to the original creditor that my XXXX XXXX account shows a XXXX balance and he said if you dont pay me I will put it on your credit right now and I said I have right under the FTC and FDCPA and he hung up on me. I then called back to ask for a manager and he told me I could not speak to one. They threatened to ruin my credit on a bill that is paid and I have a XXXX balance. They are a fraudulent company. XXXX XXXX is my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: FL

Complaint narrative:
I did not applied for these accounts and never made a deals with them. Remove as soon as possible.

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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Our mortgage servicing rights were transferred from XXXX ( in bankruptcy ) to LoanCare , LLC in XXXX / XXXX of XXXX. 
After the conversion, LoanCare misapplied XXXX payment and we ended up being past due. Neither my wife nor I realize that we were past due until a credit reporting service sent us a notification of new derogatory information on my SSN. 
LoanCare corrected the payment misapplication but did not correct the credit bureau report. We are in the process of applying for a refinancing but due to this error and subsequent inability, we have become subprime borrowers ( credit score went from almost 750 to XXXX ). 
LoanCare representative promised to request correction on XX/XX/XXXX. Today is XX/XX/XXXX and the request has not been entered. Spoke with them again and was informed that it can take up to 30 days to show up. In the meantime, we are paying higher interest rate ( to LoanCare ) and are not able to secure a new mortgage. We feel like we are credit hostages at this point, held to higher rate, as it is not in their interest to have us refinance. 
Furthermore, LoanCare representative stated that they can not guarantee that payment application error will not occur again and refused to take any responsibility for it. 

They do not initiate error correction right away. This means that people who do not realize how the process works may wake up to the fact that they have a late payment but it will be difficult to impossible to correct. This goes to the core of people 's ability to have correct information reported and fixed without needing to be experts in managing the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: BB&T CORPORATION
State: FL

Complaint narrative:
FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : BB & T XX/XX/1919 and XXXX XXXX XX/XX/1919 19

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 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I secured a debt consolidation loan in XX/XX/2019 to pay off old credit card bills. One of the credit cards was Capital One Quick Silver. The statement balance was approximately {$300.00} remaining to be paid ; however, prior to the consolidation loan, I paid {$50.00} directly to Capital One. The debt consolidator printed a check for {$300.00} based on the balance on my credit report. I mailed the payment to Capital One and that generated a credit to be returned for approximately {$49.00} ( {$49.00} to be exact ). I contacted Capital One and they assured me a refund check would be mailed to me within 90 days. 

I called them in XX/XX/XXXX because I had not received the check only to realize they had an old billing address. I updated my mailing address and was told they would cancel the issued check and reissue. It would take another 15 days to receive it. XX/XX/XXXX, I still had not received the check. I verified they had the correct address and I received the same response, " We'll cancel and reissue a refund check. You'll receive it within 15 days. '' Again, XX/XX/XXXX. I received the same response. Each time I've contacted them I verified my correct mailing address. However, this time, the representative said they had the incorrect address on file. And once again, after explaining that I will be filing a complaint against Capital One, her response was, " I've canceled the check and we'll reissue it. You'll receive it within 15 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TERRIBLE! Experien is TERRIBLE! 12 phone calls, to 9 different numbers, over the course of an hour!!!!! On hold, got a real human, then on hold again! Phone system disconnects you too ... 

I called the number on their website and it doesn't work. I called the number on my credit report, and it doesn't ; t work. 

I filed a dispute online, BIT some of the items that I need to dispute are not able to be filed online!?!?! 

XXXX????? 

How am I supposed to resolve things?

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 2019-09-17 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX a civil judgment was entered against me by Kimball Tirey and St. John. Since the filing I have contacted the law firm in an attempt to resolve the matter and spoken to XXXX XXXX and her manager XXXX. However my attempts have been unsuccessful. Kimball Tirey and St. John is now disguising my civil judgment as a collection account in order to bypass the National Consument Assistance Plan that has been in place since XX/XX/XXXX. Furthermore the party has now reported this to XXXX as a collection account and the civil judgment is currently reflecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
After I graduated from pharmacy school in XXXX, I found a company to consolidate my student loans XXXX XXXX XXXX with the credit cards I had to use to pay for school. XXXX was bought out by Wells Fargo XXXX approximately XXXX ), and my variable interest rate went from XXXX to 8 % ( with XXXX XXXX, and steadily climbed until it locked at 18.5 % XXXX Wells Fargo XXXX. It stayed at that rate for over 2 years until I found a company XXXX XXXX XXXX XXXX ) who took over my loan XXXX in XXXX ), and provided me with a variable interest rate of 4.5 %. My complaint is that when I called Wells Fargo asking about the rate lock, I was dismissed. Basically, I was told that variable rates rise and fall, and that because it was a privatized I was pretty much stuck with it and them. I did not appreciate the attitude nor the lack of options at the time.

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 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: HI

Complaint narrative:
Company sent me a letter dated XX/XX/19 - I received on XX/XX/19. On XX/XX/19 I disputed the debt and requested validation. 

The company blatantly broke the law by reporting the account on my credit report on XX/XX/19 without responding to the dispute or validation request. 

The broke the law numerous times because they reported before the 30 day period is up and they did not respond or validate the debt before reporting on my credit. 

This debt is not valid, it was settled with another debt collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requestsed and got a pre-approval for an auto loan from Captial One. I found a car at XXXX  XXXX XXXX and went to purchase the car. I Gave them the approval letter and they told me they had to run my credit again and I gave them approval. Unknown to me, they ran my credit multiple times with multiple lenders. I already had my loan approved and they used capital one as the lender and I never gave approval to pull my  credit multiple times since I was already pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Closed my savings account with Citi Bank on XX/XX/2019. 
However, I get a statement on XX/XX/XXXX in mail that showed my balance of XXXX cents. There should have never been any interest incurred in my account since it was closed on XX/XX/XXXX and there was no remaining balance when Citi employee gave me a confirmation of closure of my savings account on XX/XX/XXXX. 
When I contacted Citi Bank on XX/XX/XXXX, an employee told me that my account is still active and currently can not close the account because of the balance my account has from Citi 's negligence. I believe this business practice was performed to keep the account alive for their performance scorecard and must be investigated.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Federal Trade Commission CFPB XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXXFEDERAL TRADE FEDERAL TRADE XXXX XXXX XXXX, XXXX XXXX did not handle a simple broken phone issue. So we switched to XXXX because XXXX offered a contract buyout plan and {$200.00} credit card gift card. I had 60 days to do online paperwork for XXXX offer and give XXXX itemized bill for early termination fee. 
I wrote XXXX within 30 days asking for an itemized bill that shows the early termination fee so I would be able to submit to XXXX to get my offers. XXXX did not give me an itemized bill only a bill that states {$470.00} is due immediately which did not break the charges down. I went into a XXXX store to get the itemized bill, again I was given the aggregate bill charge. I wrote XXXX again with 45 days again I did not get itemized bill so I lost my offer with XXXX!!!! I was not able to submit the required information to XXXX because XXXX did not, would not or could not give me the information I requested 3 times. 
Now I get a bill collector notice. 
IRespectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened an account with TD bank and did an external transfer from my XXXX account to fund my TD bank account in the amount of {$4900.00}. I closed my XXXX account after the funds were collected. The funds were locked in my TD account and they stated I had to provide proof of ownership. I came to the branch and provided a bank statement and they said the funds would be available the following day. The funds were not available the next day. I went to the branch and TD informed me that they sent the funds back to XXXX. I contacted XXXX and they informed me that they cant receive funds back to a closed account and that the money would be returned to TD. I waited two days because I know from doing external transfers it takes about 3 days for the funds to settle in an account. I called TD over the phone and spoke to a supervisor who started a trace on the funds and provided me a case number of XXXX. She advised me the case would take 3-5 business days and I could call back or go in the branch. After 5 business days I called back and they advised me that they located the money but I would have to go to the branch because they needed to send an email to deposit operations to redirect the money to my account. I went to the branch and spoke with XXXX XXXX who sent an email to deposit operations. She advised me the money would be in my account in three business days. The money was not in my account in three business days. I sent this transfer on XX/XX/2019 todays date XX/XX/2019 and the money is still not in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I called BMW on several different occasions and notified them that they reported a payment late that wasn't late. BMW was only willing to send me a transaction statement that their own customer service agents cant even understand without putting me on hold several times. BMW reported early XXXX that my XX/XX/XXXX payment was 30 days late, however my payment was made on XX/XX/XXXX. BMW reported a 30 day late payment before the payment was even late enough for them to charge a late payment fee and the payment was reported late 30 days before 30 days had passed. I spoke with BMW 4 times and they agree that the payment should not have been marked late for XXXX but refuse to provide me with easy to read evidence stating just that. BMW also refuses to update the credit bureaus even though i provided them proof of the error. The error was reported to all 3 credit bureaus. BMW flat out refused to assist with correcting their error. I asked BMW for a letter to provide the credit Bureaus that specifically stated my XX/XX/2019 payment was not 30 days late and BMW representatives and a manager told me that's not something they can provide even though their system shows it wasn't late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I called Citizens bank on numerous occasions to have my mailing address changed as I have not received any statements from them - they advised me I must go into the bank to change my address. I went into the bank and changed my address as directed. Still no statements. I called again to change my address. I was told it was all set. Still no statements. This account went delinquent due to no statements and effected my credit score by numerous points. I called again and brought the account current ( {$1100.00} ) and to emphasize my address needed to be changed - the rep assured me it had been changed. To this day i still have not received a statement. This has resulted in a much lower score and have suffered higher interest rates because of this. I receive no letters, phone calls or any type of correspondence from this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank has an inquiry on my credit report. I never applied for credit with this company or have ever done any kind of business or requested any kind of information with them. I have never heard of them before. They do not have any authorization to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2019-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My vechile was repossessed last year for one late payment which I had already call to make payment arrangements I had just had my car painted and new grill etc put in the wrecker damage my car and never responded my car have been running poorly every since I have been out of thousands of dollars to get it fix ..After replacing still same issue my car is now making a rattles sounds and the stability is very poor the company the states they have pictures of how my car was towed but it was all a lie just so I would drop my claim and I didnt

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 2019-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot card Impacted credit score negatively, card has a promotional period then deferred interest. They charged {$700.00} interest and now my balance is up to over {$1000.00} dollars.

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 2019-09-17 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Association representing XXXX XXXX XXXX   XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1600.00} XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation