vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ

Complaint narrative:
I attended XXXX University in XXXX. I left in XX/XX/XXXX due to a conflict with a professor. My loan was returned and given to ECSI Heartland Campus Solutions for debt collection on XX/XX/XXXX. I have never defaulted on my student loans. 

I applied for and was accepted to a school in XX/XX/XXXX. I was denied financial aid due to a student loan being in default. Nothing for student loans turned up on my credit report, except my student loans in good standing. 

I have received bills from XXXX with an amount. The amount changes frequently with no itemization or explanation. On XXXX XXXX, XXXX I called XXXX for an explanation of the loan. Is it a student loan or not? I requested an itemization of my charges from my time at the school. I was informed that they sent the " returned '' loan to ECSI and I would have to call ECSI Heartland.. 

ECSI has never put their information on my bills, no account number, no phone number or address for ECSI Heartland, no mention of ECSI Heartland. The billing statements deceptively appear as if they are coming from XXXX, which XXXX denies. I tried calling ECSI Heartland and was on hold for half an hour with no response. When I tried to use the online platform it routed me to register with ECSI Heartland. I'm not interested in registering I would like an itemized copy of the original bill and an explanation of whether it is or isn't a student loan and if they can block me from receiving financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: MI

Complaint narrative:
The MB FIN SVCS account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response which I have decided to seek your help to have this account be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was a chapter XXXX dismissed bankruptcy reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error and ; was not appropriately validated under the Fair Credit Reporting Agency " Privacy Law. '' Experian claims they validate this information through Bankruptcy Courts / Public records and or third party XXXX. I found XXXX 's claim to be untrue, false, and misleading. Per XXXX XXXX ( XXXX  ) ( XXXX ) states : If the credit bureau can not validate the information with the original creditor/ source, they must remove the information /data from the consumer credit file. The bankruptcy court mailed me a letter that emphatically stated that they do not provide any information to the credit reporting agencies, nor do they validate or confirm public records. The US Courts system never validates public records information due to the Fair Credit Reporting Agency Privacy LAW.

I also contacted the third party " XXXX '' about the Bankruptcy information. Experian claims they have to receive this information ; I was informed that my XXXX file has a security freeze. How could Experian get this information/data if my file has a security freeze? I have a letter from XXXX stating XXXX may not release my reports or scores derived for those use cases. That letter is attached to this complaint. 

I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation to make your Company follow the law guidelines. 

If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolated with the Fair Credit Reporting Act. I will open up a XXXX in Federal Court ; I will open up a complaint with the XXXX  ; I have supporting documentation to support my XXXX and complaint.

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 2022-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
The account with LINCOLN AFS with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc.
State: MI

Complaint narrative:
The account with AQUA FINANCE with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: UT

Complaint narrative:
USBANK needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.

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 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK
State: FL

Complaint narrative:
On XXXX there were purchases done with my debit cards with banking institution BANKOZK located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Names on the first account was XXXX XXXX XXXX, XXXX XXXX this was a joint checking account, The XXXX was checking account was in XXXX XXXX name alone. 
I filed a fraud report with them on XXXX and also with our local police in saint XXXX fl. 
My email address is XXXX and my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX On XXXX XXXX someone posed as a BANKOZK XXXX on our phone and they informed us that someone authorized a {$1800.00}. purchased on our accounts. They instructed Us to go out and purchase gift cards in the amount totaling $ XXXX so that they could protect our XXXX accounts so they would be safe. This took place between hours of XXXX ; XXXX TO XXXX ; XXXX on XXXX XXXX what NEVER HAPPENED was our Bank Notifying us that something was wrong with both our accounts. Today XXXX, XXXX I was informed by BANKOZK that our request was denied.

The BANKOZK NEVER NOTIFIED US That day or when the decision was made about the outcome of ourcase. NOT GOOD BUSINESS!!! 
I will also be contacting our local news station and our local politicians, state banking rep. also Please advise us of what way to proceed with this matter to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Solutions Inc
State: NE

Complaint narrative:
I have an account on my credit report from a company named " Accounts Rec Solutions '' which is also know as " AR Solutions ''. They have continued to report an account on my credit report that I have no knowledge of nor have they been able to provide specific information relating to me being the original account owner. They only respond " the account has been verified ''. I have asked for them to provide documentation relating to the verification however they have refused to this point. I have NEVER been to the account they are collecting for. I have asked them to remove the account on a number of occasions and they have refused to do so to this point. 

They have been reporting a collection of {$330.00} since XX/XX/2016. 

The contact information for the creditor in questions is ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was in mall to shop for XXXX gifts and this XXXX asked if I would like to try sample Of cream. I went in tried she wanted to sale it to me i went to register to purchase and then changed my mind told her it was to close to XXXX to make a big purchase and i assumed she canceled transaction at this point. She the salesperson stated i was the boss that she would put in a bag for me to go shop and think about it and if i wanted it she would through in a facial for me too. Me and my XXXX left and we finished our shopping at end of day i went back by store and told XXXX thank you for helping me but decided i did not want product but ty anyways she said there was nothing she could do it was already charged and i could not get refund. I stated what do u mean i never took anything out of store to refund. She stayed that was policy. I stated i was never told that and i never took anything out of store anyways. I asked to speak to supervisor. She pretended to call supervisor on phone but she would not let me speak to them. I told her it better be taken of my card and i was calling my bank. Which is bank of America credit card. I called my bank they said transaction had to go through then i could dispute which I did. They contacted company and they told them their policy and BOA recharged my card. I called again to explain to BOA that i never received product and took nothing out if store so basically the salesperson could have taken product home with her because i never took anything out of store. They said they would have supervisor contact me and nothing has been resolved. This is fraud. I never took anything out of store and XXXX of associates of BOA even tried to contact the store and they would not return her calls. I should get a refund back to my card. The store was XXXX in XXXX NC at XXXX XXXX. I have no way of contacting them or name of salesperson. Transaction date was XX/XX/2021. This still has not been resolved. BOA has not protected my best interest and i have been a loyal customer for XXXX plus years. I cant even get a supervisor to call me back. I want to pay my card of except for the charge XXXX the amount that was charged to me for product i did not receive and then cancel my BOA card but If i do that however that would continue to incur finance charges and hurt my great credit. I just would like someone to help me get credit to my card and this not happen again to someone else.

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 2022-02-14 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
The XXXX XXXX XXXX has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor has the date from XXXX or earlier and not the open date that XXXX XXXX XXXX has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. 

The Same actions have been taken by PARAMOUNT RECOVERY SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
I applied for a credit card with Discover Bank and was denied in the pre-approval process. I have been discriminated against and there was an adverse action taken against me. As a consumer, I know that they will gain financially by using my personal information. Also, the corporation will use my application as a valuable instrument to profit as well. I feel that I should benefit from this consumer transaction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citicard involuntarily closed all of my credit card accounts on XX/XX/XXXX according to the rep I spoke with on the phone today, XX/XX/XXXX. In so doing, Citi 's rep claims that I forfeited my cashback. Additionally, some of these cards charge annual fees and I have not been refunded those fees. The rep on the phone today escalated me to a supervisor who said she couldn't help me get back this 'forfeited ' cashback. The amount citi owes me are detailed below and total {$1400.00}. Additionally, this behavior is in violation of Texas Deceptive Trade Practices Act as codified in Tex. Bus. & Comm. Code ch. 17, meaning Citibank could potentially be subject to treble damages if they fail to resolve this claim. 

Card lasXXXX Type Value ThankYou Points Stranded Balance of XXXX XXXX {$1.00} XXXX Rewards for spend on final statement {$44.00} XXXX Refund Annual Fee {$570.00} XXXX Rewards for spend on final statement {$2.00} XXXX Reward balance at time of closure {$9.00} XXXX Reward balance at time of closure {$73.00} XXXX Refund Annual Fee {$95.00} XXXX Reward balance at time of closure {$12.00} XXXX Reward balance at time of closure {$35.00} XXXX Rewards for spend on final statement {$40.00} XXXX Reward balance at time of closure {$140.00} XXXX Reward balance at time of closure {$130.00} XXXX Reward balance at time of closure {$0.00} XXXX Rewards for spend on final statement {$140.00} XXXX Reward balance at time of closure {$160.00}

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 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
On XX/XX/2021 a collection for {$310.00} was added and on XX/XX/2021 a collection for {$510.00} was also added, from the company " XXXX XXXX '' reported XXXX collections to my credit report that detrimentally ruined my scores. 
I religiously sent out letters/phone calls to the company to prove that this is not me and to verify the information. They refused to send me any information stating this is me! 
Months go by and I recheck my credit report on the website XXXX. To make things even better, the company has now charged interest on the XX/XX/2021 account for {$310.00} and now it is {$330.00}! Debt collectors and creditors must follow federal and state laws when adding or charging interest on debts. Section 808 ( 1 ) prohibits debt collectors from collecting any amount unless the amount is expressly authorized by the agreement creating the debt or is permitted by law. 
I have now written all credit bureaus and XXXX has deleted all accounts from this company off of my report and the other XXXX bureaus have closed the account for {$310.00} and waiting to hear on the others. 
It gets better ..... When I go and look up the company on my reports : XXXX has the company address as NORTHWEST, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has XXXX company address as NORTHWEST FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX : Deleted the issue and no longer have the address they used. 
When I look the company up online there are multiple addresses address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not heard back from the company since XXXX XXXX XXXX. 
Please, Please, Please help me with resolving this issue and remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
Chrysler Capital financed my auto Loan in XX/XX/2021 for approximately {$32000.00} and for 7 months has failed to secure the title for my vehicle. The car dealership has also failed for 7 months to secure the title or the tags. The XXXX dealer of XXXX nor Chrysler Capital has supplied the Delaware DMV with financial proof that the title was paid for and received within the 60-day legal guidelines nor was the DMV supplied with proof of payment for the registration fees and as a result will not issue me any more temporary tags. This has been being requested for 7 months and Chrysler capital is forcing me to pay my car payment of approximately {$780.00} per month for a vehicle they have no title to and one that I can not drive as a result of being unable to obtain my tags and registration. 

Each month I have had to pay for temporary tags and at times I have had to struggle to get the Delaware DMV to issue me more temporary tags. Multiple times I have being unable to drive my vehicle as a result of this. I have requested for several months that XXXX have their Dealer Relationship Manager, or the Dealer Control Team assist in this manner, with no results. Chrysler Capital has failed to utilize their resources to assist consumers with problems with dealers in which they finance with.

To assist me in this manner, I have also requested that Chrysler Capital put one or two payments on the back end so that I am not paying for a vehicle that to date, I can not legally register or drive through no fault of my own, but my request was denied. I have also requested that the XXXX dealer supply me with a loaner car while this is being resolved and that request was denied as well. 


Chrysler Capital is not holding their partnerships accountable and not being accountable for the things that they are legally required to do when financing a vehicle for customers. 
I have paid my car payment on time as agreed upon and am disappointed in how Chrysler Capital has handled and has continued to handle this matter. 

I have filed a complaint of Vehicle Fraud with The Pennsylvania Vehicle Fraud Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXXXX/XX/2022 I entered into Bank of America in XXXX, NC. I want to file a complaint for discrimination. I was treated unfairly by a banking representative. 
I was trying to explain that I was on vacation from XXXX. I didn't know why my check was being held, when the check was drawn on Bank of America. 

My check was for {$2000.00} I only had {$20.00} in my account. I advise them I needed funds to get back to XXXX with my XXXX, I was traveling with. I told them I understand but I only wanted {$500.00} or maybe {$600.00} to get back home. 
After explaining myself several times. I was advised by representative via that I could take out a loan, open up a credit card or borrow money from a friend or a family member, that there was nothing they could do. 

I was talked down too. I was left unattended several times by a personal banker representative. I was asked personal information concerning my length of employment all because I wanted funds from my paycheck. I felt very XXXX by the treatment I received from Bank of America. 

I suffer from chronic XXXX and XXXX, immediately after that I took XXXX  inside my vehicle.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Sent payment to Vendor {$54.00} ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Contacted merchant about receiving product, thank her about the product but item wasn't as described. Received item defective. 
XXXX Reported to bank Wells Fargo XXXX filed dispute. 
XXXX Vendor messaged me to check why I filed a bank dispute since I received the product but she didn't want to resolve issue anymore since it's been 2 months but she was informed when I filed the dispute. Vendor threatened me to cancel the claim because it's not fair. She insisted on fixing the issue and stating I should quit the claim. I feel like I should have gotten at least partial refund or credit from her business, nothing was offered. The product I received had a hole and item was not wearable at all. 

It's been more than 90 days and I haven't heard from my bank about this issue.

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