vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about  XXXX / XXXX / 17 , I applied for a card and was approved for a secured card. I subsequen tly 20 minut es later I called to cancel the card and void authorization to withdraw any funds from my account. I was told that it was done. On  XXXX / XXXX / 2017  Bank of America withdrew {$300.00} out of my checking account without authorization and have not produced a card or any documentation for the reason and have not refunded my money. Once again this institution has perpetrated a crime as far as I am concerned and has not answered for it. This makes a total of {$420.00} dollars taken without explanation, written or otherwise, but I require written.

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 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: PA

Complaint narrative:
XXXX / XXXX / XXXX  {$3200.00}  XXXX / XXXX / XXXX  {$25.00}  XXXX / XXXX / XXXX  {$440.00}  XXXX / XXXX / XXXX  {$4000.00}  XXXX / XXXX / XXXX  {$370.00}  XXXX / XXXX / XXXX  {$15.00}  XXXX   XXXX / XXXX / XXXX  {$22.00}  XXXX / XXXX / XXXX  {$510.00}  XXXX / XXXX / XXXX  {$43.00}  XXXX / XXXX / XXXX  {$47.00}  XXXX / XXXX / XXXX  {$53.00}  XXXX / XXXX / XXXX  {$1200.00}  XXXX / XXXX / XXXX  {$2000.00} THE COMPANY AMERICOLLECT ADD THIS ACCOUNT TO MY CREDIT FILE THIS IS NOT ME, I being talking to the company and not much is resolve

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 2017-05-19 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
After viewing my credit profile i realized  Tower Loan System  placed a inquiry on   XXXX   XXXX   that I had no knowlege of. I contacted them on several occasions asking for copies of the signed documents and identification used on my behalf . Tower Loan  never responded which clearly violated " FCRA ' ' 609 ( e ) ( 15 U.S.C. sec1681g ( e ).

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 2017-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is  XXXX   XXXX  I have a mortgage with  XXXX   XXXX   Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is  XXXX   XXXX  I have a mortgage with   XXXX   XXXX    Loan  #  XXXX .    Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
The company identifies itself as lien enforcement inc phone #  XXXX  They say I need to call them message in english and  XXXX  they call everyday buy i do not answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I just recently filed a complaint through CFPB due to  XXXX   XXXX  showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  XXXX    XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my  XXXX  student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I just recently filed a complaint through CFPB due to   XXXX   XXXX   showing an inaccurate delinquent account on my credit report since   XXXX  . My most recent complaint from  XXXX  was me asking   XXXX   XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my  credit s  core to p lummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.

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 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
on  XXXX   XXXX ,    2017  i was i n a one car ac cident that resulted in my car being totaled. i had both full coverage through  XXXX  insurance and gap through  XXXX   XXXX ,  XXXX  has sent in  XXXX  checks on my behalf.  XXXX  was for {$3800.00} and the other for {$770.00}, which left a balance of {$5200.00}. My gap however is taking a little longer than expected and now after a year and a half of no late or missed payments,  JD Byeryder  is threatening me with a reprosession of a car i haven '' t had since  XXXX  if i do n't give them another payment today in which i 've already paid  XXXX  and  XXXX  for fear of this happening. I already have another car and that payment is {$320.00} and i do n't have enough to pay for both. Also, I spoke with someone from the dealership and she told me that she spoke with my gap insurance and said the {$770.00} check was from them and they said they were n't paying anymore. I told her that was n't true and that she was wrong but i am stuck on my decision because I do n't want that on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed for XXXX XXXX Bankruptcy on XXXX XXXX, all credit cards were closed. On my credit report I still get a high credit usage from XXXX XXXX. I disputed it to Experian and the result was that the XXXX card was closed it on XXXX XXXX XXXX. However, the XXXX XXXX keeps reporting to Experian that my credit card utilization is high which lowers my already poor score. It has kept me from establishing new credit as well as obtaining a mortgage through a commercial bank with an FHA approved loan

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 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I had a credit card with Comenity Capital Bank ;  XXXX   XXXX   XXXX  ;  XXXX , Oh  XXXX  ; and charged one item for {$19.00} in  XXXX ,   XXXX  . I paid the bill in full  five day s ahead of the due date. The sent me a statement saying that it was late and charged {$39.00} in late fees. i  XXXX  I wrote them a letter stating that I did not think this was fair as I sent the money timely. I asked that they cancel the late fee and close the account. About a month later I got a letter stating that they closed the account and then later another statement showing another late fee charged.     I have written them  three times over the past nine  months. The first time in  XXXX    XXXX   ; the second i sent a certified letter on  XXXX   XXXX ,   XXXX   and then again more recently on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,  XXXX  I returned a very rude telephone message that I received from a  XXXX  demanding that I pay the then bill of {$190.00} ( all in late fees ). She called my office number which I did not authorize. I told her not to call me on this number again as I am not allowed to make personal calls and offered her {$20.00} to end the whole thing. She refused and threatened to refer me to their legal representative and insinuated they would damage my   credit score.
At this time they are charging over {$200.00} in late fees all on a one tim  e purchase of less that {$20.00}. I think this predatory and ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the  one liste d on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is no t one but I  requested it just in case I w as remiss. I  do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.

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 2017-05-19 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: MD

Complaint narrative:
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the one listed on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is not one but I requested it just in case I was remiss. I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.

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 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the De partment of Economic Security an d was advised that I am current in my child support obligation. I hav e 50/50  custody of our children and am being penalized as a responsible Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
This is now the third complaint I have sent to CFPB after  Ditech.      For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is   XXXX   XXXX   XXXX    , and we just got off the phone with them. On Friday,   XXXX   XXXX  ,  Ditech left  a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the  XXXX . Friday we called. We spoke to an  XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM  US  about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with  Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but  they keep losing our information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had problem with citibank. About 6 years ago, I deposited check that I got from my friend 's parent that my friend owed me. Parents were staying in  XXXX   XXXX  and they were confused between check they had and accidentally gave me check from closed. Also, About three years ago, I got suspicuous check so I personally went to the bank and asked if the check is okay, and they confirmed so I deposited the check. Due to that transaction, citibank closed my account and ever since than, they are not allowing me to open checking account with them. Very bad customer relations

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
In XXXX XXXX, we received notice about a cancellation fee from XXXX through a debt collection agency. We did not know about the bill. We paid the bill both to the debt collector and XXXX and received a credit from XXXX. Then in XXXX we received notice from a different collection agency about the same debt. We asked for written information from diversified which we never received and also contacted XXXX who said that we didnt owe anything. Now it is on our credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I received several flyers in the mail from these people and a number of phone calls inviting me to apply for loan if I ever saw the need arise .. . s    XXXX   XXXX   XXXX     borrowed  XXXX  from Tower Loans to pay income tax ... was told there would be no early pay-off interest/penalty should I decide to pay it off early ... the terms were  XXXX  for 26 months ... 30 days later I paid the account off in full ... today I received a notice I still owed  XXXX  in interest for using their money for 30 days ... or 35 % ... nothing of such was disclosed during the signing of these loan documents ... these people are rip-off  artist  ... it is a good thing I did n't spread this out over the entire 26 months I would have paid additional thousands in undeclared interest ...

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 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have already disputed the medical collection with XXXX, XXXX, XXXX, and also the collection agency about this inadequacy. XXXX has removed the collection unlike transition and XXXX who has not appropriately investigated the matter. I have enclosed the dispute letter that had been sent to each. Also, I have now written an appeal letter to the VA about the medical debt, and have included it with this complaint. Dates : XXXX, 2016 Amount : {$1500.00} I have disputed with bureau of Economics, the VA and all XXXX credit bureaus. XXXX responded appropriately and had removed the collection.

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 non-monetary relief