vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Every day I have multiple phone calls always from different numbers always from Portfolio Recovery. I have documented times and dates. Ive asked them numerous times to quit calling as there is no way I can pay them an hour after there last call. Its caused extreme XXXX  and XXXX hearing from them every day for the past 4-5 months straight. They never stop and it has a damaging effect on my XXXX XXXX. I can not handle this harassment anymore!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Hello how are you? Im having so many issues!!! 
Starting from getting my percentage rate wrong Changing 2 loan officers, having multiple numbers on my table wrong both times waiting for mouths to receive a response every time I called in not one seem to know anything From manager to customers services, lots confused! After all did get refinance number but not with right rate and I was so tired and mad I go head and sign it, I was told I didnt had to pay intel XXXX, I have spoken to many people from XXXX XXXX to ect ect On Friday I get an alert from my credit since Im very careful and fixed it! It drop 135 point and I was going to faded I look carefully and I see that you guys reported non payment for the mouth of XXXX! Im so mad, I wanted to talk with someone that gives me answers and correct this enormous error on your behalf, otherwise if to take action with my attorney! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XX/XX/2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by XXXX made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.

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 2019-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
A XXXX XXXX XXXX, VIN # XXXX, was repossessed on XX/XX/XXXX. Sensible Auto LLC claims to have sent A Notice of Repossession and Right to Redeem or Reinstate to myself in the timely manner the state requires. Sensible auto claimed to have sent the document on XX/XX/XXXX, in the state of Connecticut the lending company must send the letter out to the borrower within 3 days. If this is not done within the said timeframe the lien holder forfeits the right to any repossession & storage fees. They also have to make the borrower whole if the error caused any damages. Not only did Sensible Auto LLC attempt to obtain fees that they were not entitled to, they refused my pleading to pay the actual past due balance and held my vehicle ransom because I refused to give them money that I did not owe. Sensible Auto also denied me the opportunity given to bid on my vehicle because they did not notify me of the sale until after the property had been sold. I would like to believe that the error was not intentional, unfortunately after further investigation of the evidence, Sensible Auto LLC is willing to do things to prey on the weak and struggling. I have made a complaint to my state Attorney General and with my states Department of Banking. I felt lost confused and helpless during the process and in the end felt that the injustice was filed away, referral numbers where given but nothing had actually been done. Im hoping that this will be last and final attempt in my pursuit for justice. 
Past due amount {$510.00} Fees : {$230.00} ( Plus Additional Fees to pay to the company that repossessed the vehicle along with there storage fees wich are TBD ) I believe this is a tactic used that violates the consumers rights to prevent the borrower from redeeming the vehicle as the law allows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a Chase Visa card. Late XX/XX/2019, I purchased an airline ticket using Chase travel to take advantage of my points. I purchased a refundable ticket from XXXX to XXXX for my daughter. I went to change the departure date, not the departure location. But Chase screwed up and changed the departure location to XXXX, CA, not XXXX, but the agent informed me over the telephone that the departure location was XXXX. When I discovered Chase  's error, I called back to have them change the departure location back to XXXX. Chase Travel then wanted to charge me for the additional change to the correct their mistake. I told them that they should cover it. They said that they would pull the recording of my first call and if it confirms what happens, they would refund all charges. Based on that representation, I paid {$240.00}. They gave me a case number S # XXXX to use to call back in a week. I called back after about a week. After spending an hour on the phone, I reached the supposed supervisor, XXXX who would not provide a last name or number. She said she won't pull the recording even though Chase promised me they would to induce me to pay the charge in the first place. Without being able to confirm what was recorded, Chase Travel said they cant reimburse. They had fraudulently induced me to pay the {$240.00} with a promise of pulling and  listening to the recording with not intent of doing so or considering refunding my charges. This is blatant consumer fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
I opened an account online not realizing the bank was 3 hours from me. Well I tried to transfer my money out of the account without having to drive so far as I am pregnant. They locked my account and told me to come to a branch in person to collect my funds. Well I drove the 3 hours and they closed my account and said that the money would be sent via mail. Wel I got a letter in the mail from them saying that the funds would be sent if they dont collect them or something to that extent.

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 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been contacting Citibank in reference to a check I deposited since XX/XX/2019. They informed me that the check would not go through and was therefore a bad check. However, it did end up being a valid check in the amount of {$410.00} and I have been trying to access my money since XX/XX/2019. They give me a false excuse every time I call and were supposed to close the account and send me out a check within 60-90 calendar days from the initial date the check cleared. It has been more than 5 months and every time I get a statement in the mail it shows that my money is still there. I have no access to it as my debit card is cancelled and I need my money. They're lying to me and have been this whole 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 2019-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I did not authorize this debt, nor did I benefit from. Please review the attached documentation and remove this debt from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: IN

Complaint narrative:
On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that merchant preferred, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include Transunion and XXXX  via United States Mail that Merchant was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. Merchant preferred filed another claim XX/XX/2019 now I am 120 days behind. XXXX, Transunion and XXXX  continue allowing merchant preferred, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
There are 5 separate collection accounts from preferred collection and management XXXX for debts they claim are from XXXX XXXX XXXX XXXX dates assigned to them range fromXX/XX/2014 toXX/XX/2017 acct # s XXXX, XXXX, XXXX,XXXX and XXXX. I have requested multiple times for invoices for these accts they claim are mine and since XXXX they have yet to provide them. They have my updated address and still no avail. I am demanding that these items be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/2019 I received a letter from Ally Bank Lease Trust advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called XXXX XXXX XXXX. My credit score based on XXXX  was XXXX and according to XXXX was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use XXXX XXXX then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.

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 2019-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an Amazon Prime store credit card on XX/XX/XXXX. It is issued by Synchrony   Bank. I linked this card as the form of payment when I shop on Amazon.com. I used it to purchase several items over the past few months. I used the return and item feature on Amazon to return some items and used the return shipping label provided. Instead of Amazon refunding the returned item to my original form of purchase ( Amazon Prime Store card ), they created an Amazon gift card without my knowledge and put the refunded amount as a balance on the gift card instead of crediting my Amazon Credit card. I contacted Amazon today XX/XX/XXXX and talked to XXXX- a supervisor who told me that they can not apply the gift card balance to my Amazon credit card! So, I am left with a credit card balance that I must pay to avoid interest charges on several products that I returned and the only way to get my money back is to buy more products from Amazon with the gift card balance which I never agreed to! I am furious that Amazon would do this to consumers and Synchrony bank should be responsible as well because there is nothing about this in the credit card agreement. Please help!

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 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 I received a letter from XXXX XXXX  XXXX XXXX advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called SageStream , LLC. My credit score based on XXXX  was XXXX and according to SageStream was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use SageStream LLC then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: NY

Complaint narrative:
This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011

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 2019-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NV

Complaint narrative:
The loan was initiated when I hadn't been formally accepted in to a graduate program. It was submitted with paperwork affirming my cosigner was financially unable to pay the loan and that I would solely be responsible in accordance with the origination policy. 

In XX/XX/2012, they put me in to repayment while I was still a student and attempted to harass my cosigner in to paying the full amount several months before they claimed my first payment was due. I was referred to a forbearance process that didn't actually exist -- no paperwork or forms despite what I'd been told over the phone by multiple representatives -- before being placed in to repayment. The company abruptly ended my payments without my consent several months later after I'd made a dent in the principle. When my payments were resumed, it was based on a total that included accrued interest from the period when I was in non-payment for being a student. 

In the years since then, AES has directly debited my account without issue. I have not done anything that would cause them to negatively attack my score, like miss a payment. The company has recently updated my credit report to say that they can not contact me yet continue to take my money and e-mail me to say that the transaction was successful. They call several times a week ( as they have for years ) to harass about the loan despite the fact that the account is not in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: GA

Complaint narrative:
I have disputed an item on my Equifax Report & they have failed to investigate correctly. XXXX & XXXX investigated and removed. I have also complained to the collection company. The debt is not mine. Equifax and XXXX accounts have both failed to provide proof of debt. I am furious!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage has been transferred a few times until landing with LoanCare/XXXX. Upon getting the mortgage the mortgage was due the first of each month with a 15 day grace period and then a late fee would be applied after the grace period. At first LoanCare was fine and then after a few moths they started charging me {$10.00} to make the payment online. That is {$120.00} a year extra they are charging me. I am on XXXX and a fixed income and this is a lot to me. When speaking with them they said its not a late fee but an administrative charge. I am being charged to pay my bill? I have NEVER had a mortgage company charge me to make a payment to them. This must be illegal. I went online and saw others too were experiencing the same issue as myself. I am extremely frustrated and feel like I am being taken advantage of. This company has worked around a way to charge people money each month to pay extra even if it is before the mortgage is considered late.

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