vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
XXXX XXXX of Larry H Miller XXXX illegally discriminated against my attempt to purchase 3 new cars and 3 crate engines by direct deposit into their bank account. 
I offered full sticker price, and offered to let them retain the purchases until payment goes through. 
If Larry H Miller Co. Fails to right this wrong I shall file a lien and I shall pursue a Sheriff 's auction. I shall also bring a lawful Judgement against XXXX XXXX of Larry H Miller XXXX for Breach of Fiduciary Duty, in the maximum amount for which I can find legal precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America Inbox x XXXX XXXX XXXX <XXXX> XXXX XXXX ( 6 hours ago ) to consumer.mediation Hello, Told this story to a friend and they suggested I relay it to your office. 
My wife and I have been XXXX Mastercard holders since XX/XX/1986. Over that 32 year time span we rarely carried a balance for more than a month. We had been working out of state and in the process of moving back home. I received a letter from Bank of America the end of XX/XX/XXXX during the move back, asking all kinds of financial information. I thought that was odd, especially when I saw we were to send it to an Arizona address. I just threw it away figuring it was a scam. Why would a credit card company need all this from a cardholder of 32 years that always paid their bill? 
We received a {$400.00} some odd dollar bill the middle of XX/XX/XXXX. Two days later I sent them a check for the total amount. About a week later I was at XXXX XXXX. When they ran my card, they said it was denied. A bit embarrassing but I figured it was just a computer glitch. I paid with cash and was on my way. A week after that, I was ordering some horse supplies from XXXX XXXX, a company whom I have dealt with for years and has my card number on file. When she tried to run my card number it was denied again. By then I was starting to get a bit miffed. I phoned Bank of America. Finally got through to a person and asked what was going on. They said they were no longer honoring my card because I did not respond with the financial information they requested. I asked them to explain the reasoning behind that action since we had always paid our bill. My call was forwarded to a number of BOA hacks. No one could tell me why they were taking the action they took. Finally on the last transfer, the phone just went dead. 
I have not used the card since then nor have I received any correspondence from BOA. Have you received any similar complaints? Is this legal? They are a credit card company, not my mother or the government. Sincerely 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 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted request to have my information updated on several occasions but my information has not been properly updated, when i check my credit report my name isn't updated, previous employer i no longer work for is still being reported, my date of Birth is not accurate. General report from this Bureau has not been updated in a long time as done by other Bureaus on a monthly basis. Below is the full request i submitted and an uploaded document of how my personal information looks when i check my report. Lastly i submitted all requested documentation to prove that my request was valid but yet no satisfactory change were made. 


Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  PA-XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

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 2018-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please refer to prior Case Submission XXXX. I received from XXXX XXXX Office of the President of 5th Third Bank and have contacted and left several messages on her office phone XXXX to address such issues. I was paid monies that were owed to me I believe on stolen bank accounts that was addressed in my prior correspondences. I indicated that aka XXXX XXXX is the individual who had the contacts at your bank to put a bank account onto my XXXX Credit card and paid monies from that bank account onto my XXXX CARD to pay down my credit card bill that monies were owed to me for services rendered on a marketing campaign. I was not involved in knowing who the parties were etc only that monies were paid out for services and payment was supposed to be paid back to me via my credit card. XXXX XXXX acted in concert with XXXX XXXX who has a XXXX XXXX fraud case with the CFTC and monies were probably used to pay his legal bills. The only accounts that I knew what was entered into XXXX as a transaction number. This was a well fueled scam that both defrauded the banking system in addition to myself. Mr. XXXX deals with cryptocurrency and he used his knowledge in the banking world to perpetrate this heinous crime. 

I called several times to go over this with Ms. XXXX and as of today still has not returned any phone calls ... The number of gave her was my cell phone XXXX or one of my office lines XXXX. 

Since the bank security was violated I would not be out my monies if they were not able to violate the bank information that recycled this scam. If the public was to understand this type of crime that the banks are allowing insiders to gain access to individuals accounts this would ruin the banking system .... I want the monies that were rightfully owed to me and for the banks to police their internal policies better to protect people like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am appealing a foreclosure with the Illinois XXXX District. 
My loan was with XXXX XXXX XXXX and then XXXX XXXX XXXX and finally Green Tree Servicing. 
A fraudulent, robosigned " assignment '' was used after XXXX was no longer an active business by a foreclosure mill law firm. 
The actual owner of the debt is XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
The correct party who has standing to foreclose would be the Trustee of the XXXX or XXXX securitization pool. XXXX XXXX and XXXX XXXX were " bailed out '' by taxpayers in XX/XX/2008. 
HUD Memorandum XXXX found the XXXX  XXXX XXXX had robosigned assignments and a {$XXXX} XXXX Mortgage Servicing Agreement was Filed in Federal Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP, LLC
State: AZ

Complaint narrative:
Global Cash Card XX/XX/2018ATM Transaction ( Domestic ) Fee AMOUNT {$1.00} XX/XX/2018 XXXX XXXX ( XXXX XXXX XXXX ( A S AMOUNT {$180.00} XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AMOUNT {$1.00} XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$1400.00} This was all reported on the same day as the fradulent purchases They investigated and determined that  their was no error And no credit would be issued

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 around XXXX PST i called Bank of America Credit card services at ( XXXX ) XXXX. The purpose of my call was to make a payment that was due on XX/XX/2018 based on the billing statement that they had sent me. When i called in i spoke to an individual who's name i did not obtain. The rep advised me that my payment will post with a date of XX/XX/2018, causing a late fee, even though i was making the payment on the due date, the associate explained that Bank of America processes their payments based on Eastern Standard time. I asked why was i being punished for living in a PST time zone and making my payment on time based on where i live and the time it was. the rep explained that because i live in california and i am calling on the due date the late fee would be waived and my payment would be honored as on time. 

I called Bank Of America on XX/XX/2018 and had the call escalated to a supervisor by the name of XXXX in the Montana location. I explained the situation to her, and she refused to waive my late fee at first. I explained to her it is Bank of Americas duties to stand by the promises their employee make, XXXX explained that because the previous associate did not document anything about a late fee, they could not honor it. I believe this is horrible customer service on their end. I have been a long time customer and they refuse to honor previous promises. 

XXXX eventually agreed to waive the late fee on a contingency of filing an official complaint where they will " research '' the situation, and if they feel that it is warranted they will keep the fee waived, if not they will charge it back. 

i have attached a screenshot of my bill showing that i call on XX/XX/2018 as proof.

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 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
Below is a transcript of the messages I received, Hi this is XXXX from America debt I'm a debt collector ID number XXXX and this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach me at XXXX or you can chat with me online at America ______ paid com I a.m. in the office Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX again I a.m. a debt collector with the mayor _____ at XXXX if I have the wrong number please feel free to give me a call and let me know thank you Ive been contacted on multiple occasions both recently and also about two years ago. I thought the incident back then was a mistake. This is somehow connected to a security breach at a former employer of mine, XXXX XXXX XXXX. Theyre attempting to collect on behalf of a clinic for a pre-employment drug screening and when I mention XXXX they always want to end th call and apologize.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a  violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this 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 2018-09-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this 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 non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A request was submitted to have my information updated by this Bureau on several occasions, my personal information has not yet been updated properly. I submitted all documentations to prove that my request was valid, i also uploaded a copy of how my information appears when i do check my report. Below indicate exactly what my request was. 


Date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX To Whom it may concern : I am writing to update/correct my personal  information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX, as it is on my social security card, XXXX and XXXX are two middle names please update. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

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 2018-09-08 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Reflective on my XXXX credit report under " hard inquiries '' I see two ( 2 ) " XXXX National credit cards/Airlines '' inquiries, which to my knowledge I have never formally inquired for such a card for airline travel or so. The dates reflective are XX/XX/XXXX when I applied and recieved a XXXX XXXX XXXX credit card through Synchrony Financial most recently on XX/XX/XXXX, when using the same Synchrony Financial for a credit card for medical services. It seems that this Airline credit card is generating from any application for credit through this company. But I have never myself applied for this service.

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