vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I took out a loan to purchase a 2015 XXXX XXXX through XXXX, not knowing that the loan company would actually be Bridgecrest ( previously XXXX ). My first payment was due XX/XX/19. I made that payment in XXXX. Then I paid my XXXX payment on the XX/XX/19 due date. Between paying that and my XXXX due date I had issues with my bank account. Someone stole over {$3000.00} from my account. My account was temporarily frozen until the issue was resolved. Leaving me with no ability to pay XXXX. My wife, who is an authorized speaker on my account, called in to speak with Bridgecrest about any options available to us. We had none. They suggested we borrow money from our parents ( who are deceased ) or that we pay our rent late to cover the car payment. When my wife told them neither were viable solutions they told her to just put her bank information in so they can try to debit the account, even though it is frozen, and that even if it doesn't go through, it'll still so the attempts. So my wife did this. All she gained from it was tons of racked up NSF fees added to our loan. This goes on for XXXX and into XXXX. We finally were going to have a paycheck free to catch up on our loan on XX/XX/XXXX. My wife calls in and makes the arrangement. They tell her that the vehicle is up for reposession on XX/XX/XXXX. Well early in the morning on XX/XX/XXXX, our area had bad storms/tornados and the roof was torn partially off of our house. Forcing us to use the money we had to stay in a hotel. My wife calls bridgecrest last night to try again to enter into a modification or payment arrangement to get us through until we get the insurance check. She was upset and crying on the phone over the situation. Her and our daughter are in a hotel and I'm actually in the hospital for another few days. The representative LAUGHED at my wife as she told her that Bridgecrest wouldn't help, wouldn't do a plan, no modification. Basically pay or lose the car. I have heard horror stories about this company but did not realize they were this screwed up. When we log in to the website it tells us to call and ask about a modification! But then we call and get laughed at. This is completely unacceptable.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity Bank makes repeated harassing calls to my work number that I have specifically stated to put on " not authorized to call number. '' They continue to call my work number repeatedly back to back and then leave threatening voicemails, violating my request to not call my work number. The representative makes 4 calls per hour and threatens I have until midnight to pay or seek an attorney. They are continuously making contact with my family members and harassing them for payments as well. When I call the Commenity phone number provided in the the voicemail with extension provided the representative states they do not know the person who left me a voicemail and advises me to provide them my personal information before proceeding. The representative I reach sounds exactly like the female that left me the voicemail on my cell and work number. Each time I call back the representative has the same voice just a different last name. And the conversation has a familiar context without me having to provide or divulge any information from the voicemail I was left on my cell or work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: MI

Complaint narrative:
There were unknown accounts on my Equifax credit report and I asked Equifax to investigate and remove these accounts. They failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In my last complaint Experian billed my wife and I two {$1.00} fees each to unfreeze credit. Now they are hitting our credit card with a {$23.00} monthly recurring fee for something we did not authorize. 

Calls to the company is an endless loop through an automated voice mail system. Pleased use the force of the US gov't to get my money bank and to stop this recurring fee, thanks, The XXXX 's

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 2019-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has a hard inquiry that was supposed to be removed by XXXX. I asked Experian to dispute but told that XXXX had to request for the hard inquiry to be deleted. I explained that I was requesting for Experian to dispute because XXXX claims they submitted an electronic request for the hard inquiry dated XX/XX/2019. Please refer to the letter from XXXX to the XXXX indicating they were requesting for the XXXX hard inquiry removal.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Two credit cards were issued by Walmart and JC Penney respectively via Synchrony Bank. The credit grantor closed the WalmarXXXX account in XX/XX/2018 and the JC Penney account in XX/XX/2018 and have continued to charge an active {$38.00} late fee on both accounts each month. After contacting the companies respectively regarding the charges, the representatives would not remove the late fee charges although they have denied access to the credit on both cards for more than 6 months. The charges for late fees after the account was closed have destroyed my credit and I am seeking relief in damages. I have been denied additional credit and the credit score of myself and my authorized user has been severely diminished. The accounts are reporting as closed to the three major credit bureaus however the late fees are showing active each month thus further lowering my score. I have no issue with paying the amount of the credit used with the appropriate interest, however, charging late fees on closed accounts is not listed anywhere in the disclosures for each account nor with Synchrony Bank itself. In addition, my mother is listed as an authorized user and representatives have refused to discuss the account with her to resolve the matter. I was an XXXX XXXX XXXX college student when I signed up for the accounts and I authorized her to manage the accounts on my behalf and she was denied. 

These creditors are charging interest on late fees in addition the actual balance thereby running the balance up in excess while denying access to credit.

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 2019-06-04 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a collection for the XXXX partial account number XXXXXXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and is over 7 years old. Reporting this line item is a violation of the Fair Credit Reporting Act. XXXX is reporting this account correctly. This negative reporting is harming my credit score. This trade line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Although I set up an auto payment arrangement with Navient 2018, they neglected to withdraw the payments from my account on two occasions. I cancelled the arrangement, and was ( and still am )  manually paying the loan on the first and fifteenth of each month ( from their website ). Even though payments are made regularly, Navient still continues to call and harass my mom ( who was a co-signer on the student loan ). I have asked them to stop calling, and my parents have as well. But they still continue to call. The harassment is extremely frustrating, and they have downright told me they will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I hope this message finds you and your families doing well. 
This Complaint is for CoinBase Pro Trading Platform. I have approximately XXXX XXXX XXXX U.S. Dollars ( not cryptocurrency ) on the CoinBase Platform. Coinbase will not give me access to my Dollars. I have been locked out of my account and they will not give me access no matter how many times I submit a request to support. On XX/XX/19 I had an indication on my phone that someone was attempting to access my trading account without my permission. ( I have the 2 step  verification set up and no one can access my account with out the pincode sent to my phone. ) I immediately called CoinBase Pro explained to them what had occurred. Coinbase said that " My funds were still available and that they would shut down the account so that no one including myself would be able to gain access. '' I explained to them that I was traveling and that it may be sometime before I could address this issue but would get back to them as long as my funds were secure. Coinbase assured me that my funds were secure. 
They sent me an email on the XX/XX/19 indicating that the problem had been fixed on their end and that I should secure my email phone etc on my end. 
On XX/XX/19 I have began to access my account with no success. Every support ticket I submit is returned " Account closed by an automated email. I have spoken to support on several occasions and they have said '' Your request has been prioritized and sent to a security specialist '' and I should wait to hear back form them. 
I receive a ticket closed or I hear nothing back at all. 
Since you are asking that I provide no personal information, or account information, this is all the information I can provide to you at this time.These people have in essence stolen my US Dollars and I want my money. 
I hope you can help me with this problem and any other information such as account number and support ticket can be supplied to you at will. 
Anything you can do to help would be greatly appreciated. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
The XXXX, XXXX, and XXXX branches repeatedly told me {$200.00} of the large check deposited XXXX XXXX would be available today XXXX XXXX. I presented my check for {$200.00} to the XXXX XXXX Branch today and was told there were insuffient funds! 

Worse yet, the teller in a loud voice publicly announced what would be available tomorrow XXXX XXXX, A big no-no! Another customer was presentband as well another bank employee! 

What kind of bank is this when nobody can agree in the date the said check clears! 

I have had to spend hours on this and have been caused considerable distress as time us of the essence to meet an emergency!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: NM

Complaint narrative:
XXXX and Experian are reporting incorrectly a collection for the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and is over XXXX XXXX XXXX. Reporting this line item is a violation of the Fair Credit Reporting Act. XXXX  is reporting this account correctly. This negative reporting is harming my credit score. This trade line item needs to be removed from my credit report.

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 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contact speedy cash about the loan, and told them the monthly payment was to high to pay. The agent was very rude with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX XXXX XXXX represenative XXXX XXXX called my employed told them details about my debt, told my employer i would be served with a court summons, threatened to notify my Human resources deptartment about debt and that i would be served papers for " Theft '' and this was even before i spoke to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
On XX/XX/2019 I had the unlucky encounter with a collection specialist who seemed to have a one track mind when it came to answering questions regarding 2 debts of my husbands. One in the amount of {$560.00} for XXXX XXXX XXXX and another for XXXX a XXXX account, they were sending to the Credit reporting agencies. I asked " how do you validate/verify your debt your collecting on? '' " Do you have documentation such as billing statements, agreements or a signature of some sort you can provide me about the collection accounts your reporting? '' XXXX XXXX of MIDWEST RECOVERY SYSTEMS had a nasty attitude right out the gate. Her response was limited to, " no I can't do that '' several times, then provided me with the information " we don't have verification on debts. '' I responded " how are you collecting on an account you can't verify? '' Isn't this why there's a document called a " Verification Letter '' clients request? Who pays a debt that doesn't belong to them or  they're not responsible for? XXXX XXXX then proceeded to tell me " I had been talking for 14 minutes. '' She then kept talking over me trying to get me to say the debt I was disputing was valid. I responded how I had came to her with respect and not an attitude and how she had one before the conversation could start. Then after asking NUMEROUS times asking how do you validate your information, she THEN decide to tell me they'll reach out to the original company to ask for the documents. Why she couldn't of told me this in the beginning, she never answered my question on how they verify their debt. On XX/XX/2019 their business accreditation in the XXXX was revoked by the XXXX XXXX Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet. They have a pattern of complaints against them. Their communication skills are horrendous and they won't give me information that I have the right to via the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I woke up on XX/XX/19 and had a notification from my bank about possible fraud. After looking at my account I was able to confirm that {$140.00} was withdrawn from my account at an ATM in a different state. When I contacted my bank to report the fraud they told me that I couldn't report fraud to them at this time. They asked me to call back and report the fraud after 3 business days. I called 3 times and finally they allowed me to report the fraud immediately after explaining to them my rights under Electronic Fund Transfer Act. BB & T was the bank. They did the same thing to me with a previous fraud and they failed to compensate me within the required 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 2019-06-04 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding is harassing me with phone calls for a debt Ive told them over and over that we do not have a contract they are saying they purchased this debt without my permission from XXXX. I need this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have repeatedly disputed and asked that Midwest Recovery either provide proof of a debt on my credit reports, or remove it altogether. To date, they have received me letter, not marked the account in dispute, not provided any information showing the date of first delinquency, original documents showing that I owe this debt, provided chain of custody proof that they now own this debt. I have also filed a complaint against XXXX and XXXX, as they have both validated this debt, but there is NO information on dates etc. on my credit reports. If there were, they would realize that either this debt is not mine, or is well outside of the reporting limits. The USPS tracking number of that letter is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked for debt validation on a collection that appeared on my report in XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( XXXX and Transunion ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.

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