vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Net credit has a predatory loan business model plain and simple. On XX/XX/XXXX My ex husband needed an emergency medical loan for {$3000.00}. The fastest option was net credit at a % 150.32 XXXX rate. Sadly he took it under my name. This company was paid {$8000.00} from my account Between XXXX. 
On XX/XX/XXXX I made a {$1200.00} Payment under the assumption that this would take care of my balance. It didnt and they just piled on interest for another year & 3 months. Realizing this company has taken advantage of someone in financial trouble. I stopped all payments on the date of of XX/XX/XXXX. They then collected interest on the total for 15 extra months from the last payment date made to them. sold it to a collection agency in the amount of {$4600.00} to land on my credit report XX/XX/XXXX. Net credit solutions now shows another derogatory mark for this loan that claims to have been sold to them on XX/XX/XXXX. This company has haunted me and cost me so much XXXX anguish, sorrow & frustration. Now this loan has been sent to attorneys office of Arkansas as of XXXX years ago which I had NO idea about!! I had to call them! No response from net credit or XXXX XXXX. So I may have to go to court in Arkansas over this?!! Please help. This is absolutely disgusting as a consumer and this company needs to be questioned and investigated. They are supposed to collect from the date of the last payment made. They have lied and said I made a payment in XXXX. Not true. That has given them the opportunity to hold this over my head even longer. They should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Federal Trade Commission : I want to make a complaint against my former credit card company. 
Background : My previous credit card company was XXXX. 
During about 10 years of using that credit card, there were no late penalties or any problems. I also had set up auto-pay. 

In late 2019, the XXXX credit card was taken over by Citi. Thats when the problems started. Though I had transferred and/or retained my auto-pay arrangement, I later received a bill with late charges. 

I protested and kept contacting the credit card holder, but my protests were essentially ignored. ( XXXX ) I dont think the credit card company handled this matter in a fair way, and making a complaint. The card company erred by not putting my auto-pay arrangement into effect. It also erred by adding left fees on top of the balance. 

Yours truly, 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 monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington purchased my home mortgage loan from XXXX back in XXXX and I have had nothing but issues since. I have never missed a payment and even pay early, but they have not applied my payments to my account and show me in default. I have called them 4 times starting back in XXXX and each time they tell me it will be corrected and nothing will be on my credit report. These are both lies as my account still shows I am behind on my mortgage payments when I am not and also they have notified the credit bureaus that I am 60 days overdue on payments. I have attempted to dispute these credit reports, but Carrington lies to them as well and tells them I am behind when I am not. I have bank payment records from XXXX proving this fact and also proof of receipt by Carrington. 

This is criminal and needs to stop as false reporting on your credit tanks your score, hinders your ability to find employment, purchase a vehicle etc. Now I will have to hire real estate attorneys and pay excessive fees just to fix a problem they have caused. They should not be in this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC blocks account linking with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
- I have converted my lease vehicle into my own three months before lease end date. 

- Sales dealer accepted a deal for XXXX including tax and all remaining payments in my existing lease. This is how all deals work when you try to convert a lease vehicle into your own, the Sales office will provide a quote based on the current payoff amount of your car. 

- We agreed and bought a vehicle. 

- Now the problem is Sales Manager ( dealer ) failed to pay all my payments to my current lease instead he paid only two payments. He was saying the contract is written in that manner, I checked all my contract papers. It is nowhere mentioned that I'm converting my lease vehicle into new. And also there is no financial document to say what is my current payoff amount and how much the dealer agreed to pay the existing lease. 


- Initially they paid two payments, they didn't ask Benz Financial services to remove turn in fee and extra mileage. I have called multiple to remove that as well. 

- I felt I have been cheated in this deal by not providing proper information, one payment which I need to pay to their own financial company and also my own car itself sold to me as a used car with my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc bank blocks XXXX cash transfers in order to use their own system and it will not allow for money to be deposited to crypto currency wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I RECENTLY SENT LETTERS OVER 60 DAYS AGO TO THIS BUREAU AND THEY ARE DISREGARDING A REGULAR CONSUMER DISPUTES. I'M STRESSED AND HAVE BEEN SENDING LETTERS BEFORE THIS AND STILL NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I pay for a credit monitoring service with XXXX  and XXXX. I received an alert that the payment stAtus has changed on my Transunion acct. The alert stated my payment status updated to 60 days past due and a balance of XXXX. I contacted Transunion to inform them that the account was CLOSED and PAID IN FULL. I received correspondence in the mail from Transunion that stated they completed their investigation and the information was reporting accurately. There is NO way they completed an investigation because that account was paid in full and the account is closed and paid on all of my credit reports except Transunion. I have uploaded the proof since I had to complete my own investigation. You will see that I missed a payment in XXXX I paid that missed payment on XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX I made another payment, and on XX/XX/XXXX another. On XX/XX/XXXX I made 2 payments.. which paid my loan completely off in full with a XXXX  balance. Please review the attachments to prove this account is CLOSED, and PAID IN FULL. 
The name of the account is XXXX, the account Number is 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 2020-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I ordered a game system from XXXX and paid using my PayPal account which is tied to my XXXX account. The system never shipped so i had to open a dispute. the company XXXX never responded to my inquiry so i open the dispute with XXXX Months later finally everyone responded and i thought everything was good. now XXXX has issues a request for XXXX from PayPal which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX  balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I never use my Macy 's credit card, but I needed a black tie for a gig ( those were the days! I'm a XXXX. ) and I went to Macy 's at the XXXX XXXX XXXX in XXXX XXXX, California ( on XX/XX/XXXX ) and bought a tie for XXXX dollars ( {$26.00} with tax ). I thought, " Hey ; I have this Macy 's credit card that I never use. Why not use it? '' Then I forgot about it. The first bill I received was in XXXX and it was for... XXXX XXXX and XXXX dollars! I immediately called Macy 's customer service to tell them that I hadn't received a bill until now and to ask that they remove the charges. They refused. I went ahead and paid for the tie, but I refused to pay anything more. 

( I swear I didn't get a bill until XXXX. My wife picks up the mail and sorts it. She didn't see one ; I didn't see one. I hate to think that this might actually be a tactic of Macy 's, but it could be. I've heard they are struggling financially. If they are intentionally delaying the mailing of statements in order to charge late fees... that would be criminal I would think. When I asked a company rep if statements were actually mailed, she seemed evasive. ) I received another bill on XX/XX/XXXX... with another {$40.00} late fee plus interest tacked on! Even though I paid for the tie! So Macy 's had now charged over {$120.00} of late fees and interest for a charge that I paid as soon as I received it! For a XXXX dollar tie! How long were they going to continue to charge {$40.00} per month ( plus interest )? 

I called customer service again. They initially refused to budge, but after spending well over an hour on the phone, often on hold, asking for supervisors twice,... I settled the issue for {$38.00}. ( Plus the original {$26.00}. ) Can this sort of usury be legal? Calculate the imputed interest on a {$27.00} loan for a few months! Well over 1,000 % for what they charged me! Around 400 % annual interest for what they settled for.

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 2020-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
I ordered a game system from CONNS and paid using my XXXX account which is tied to my XXXX  account. The system never shipped so i had to open a dispute. the company Conns never responded to my inquiry so i open the dispute with XXXX. Months later finally everyone responded and i thought everything was good. now Conns has issues a request for XXXX from XXXX which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I received a debit card in the mail from Key bank for an account with the Illinois Department of Employment Security presumably for unemployment benefits. I have been retired since XX/XX/XXXX and am not entitled to, nor applied for said benefits. Upon trying to contact Key Bank, I was given the opportunity activate the card which I did not. I tried to find a choice on their system to talk to someone but, just got put on hold, cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Transaction from Paypal to XXXX XXXX. XXXX XXXX given account has been closed on XX/XX/XXXX. 

Below is Copied from from Paypal : Bank Account -negative {$1200.00} XX/XX/XXXX Transfer to Bank Transfer from PayPal Cash Plus balance Transaction ID XXXX Transfer to XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A credit card was opened with Bank of America using my identity on XX/XX/2016, I tried to dispute with the credit company but the bank said the account belonged to me which I never opened.

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 2020-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Calvin Dean Homolka II
State: MO

Complaint narrative:
I received a letter from my employer on XX/XX/XXXX ( ish ). This letter stated I was being garnished by a debt collector. I received NOTHING from this debt collector about this garnishment. I contacted these people as well as the district court that allowed this to happen. I was ignored for the most part and finally told by the court to get legal advice. The debt collector sent me their documentation, this debt is about 20 years old!!!! A freaking gym membership. The address they sent the information to was an address I havent lived at in over 3years. I dont even live in the same state any longer. The ONLY documentation I received was from my employer. That is it!! What can be done about this?!?!?? This particular debt collector is related to the owners of this gym. XXXX XXXXXXXX XXXX. This is a racket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-26 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 — Was not notified of investigation status or results
Company: Alorica Inc.
State: AR

Complaint narrative:
ALORICA ( WAM ). IGNORED OUR DEMAND TO REMOVE THIS TRADELINE FROM XXXX  XXXX MANUALLING DOING 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 explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NH

Complaint narrative:
The vehicle in question, a XXXX XXXX XXXX, was turned into XXXX XXXX ( XXXX, NH ) on XXXX XX/XX/XXXX. We replaced this vehicle with a XXXX XXXX XXXX, leased from XXXX XXXX. It was our understanding that our responsibility for the XXXX XXXX XXXX ended on that date, and we canceled the insurance, and of course made no more payments. In looking at our credit report we see Hyundai claiming we made the XXXX and XX/XX/XXXX payments WE DID NOT. Suddenly in XXXX, XXXX  reports we are 30 days past due, not only that, but that we owe {$760.00}! We NEVER received written correspondence from Hyundai Finance, and they certainly had our correct address because we are paying a NEW lease with them for the XXXX XXXX XXXX, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time up through XXXX, when the XXXX XXXX XXXX was returned to XXXX XXXX. I have contacted Hyundai Financing and they said a supervisor would contact me ... never happened. My credit score has dropped from XXXX to 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 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On or about XX/XX/2020 I advertised and sold a watch on XXXX The buyer sent the funds to my Paypal account. I then shipped the watch to the buyer with tracking number. The watch never arrived to buyer, or so he claims. The money was withdrawn from my Paypal account and Paypal refunded back to buyer. I do not have the watch nor do I have the money. Paypal has also put a hold on my account and will not permit me to withdraw {$200.00}. that sits in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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:
Dear Experian : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. XXXX XXXX in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. XXXX, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account XXXX XXXX as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League

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