vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
XXXX XX/XX/XXXX I request assistance removing an ERRONEOUS COLLECTION from my XXXX  Credit Report @ ( XXXX ) XXXX. 

I underwent XXXX on XXXX XX/XX/XXXX, >2 years ago, to correct XXXX  XXXX  in my XXXX  XXXX  at XXXX XXXX XXXX, authorized by VA XXXX Consult # XXXX. I am a medically service-connected veteran covered by the VA. 

The VA paid for Claims to two physicians : XXXX  Dr. XXXX XXXX ( XXXX ) XXXX and XXXX  Dr. XXXX XXXX. The VA said payment was accepted and therefore considered payment in full. They did not pay XXXX XXXX XXXX. 

XXXX XXXX XXXX ERROR Today, XXXX XX/XX/XXXX, I discovered XXXX XXXX XXXX -- who provided the Operating Room -- sent their Claims to the wrong address : XXXX ( an incoming vendor ) instead of the VA Claims address. The VA called XXXX XXXX XXXX at ( XXXX ) XXXX and advised them to resubmit the Claim AGAIN : The first request was on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX said that they were working on my account to stop COLLECTION by Aargon Agency. However, Aargon Agency refused to stop COLLECTION on my account. My credit score dropped nearly 100 points in XX/XX/XXXX. 

Today, VA XXXX XXXX called both XXXX XXXX XXXX and Aargon Agency ( XXXX ) XXXX [ COLLECTION ACCOUNT # XXXX ]. 

THE RESULT? 
The collection is still on my XXXX  Credit Report. I filed the seventh dispute today. 

Additionally, XXXX XXXX XXXX is still trying to collect for XXXX despite accepting payment from the XXXX VA XXXX XXXX XXXX Aargon Collection Agency that "  Balance Billing '' [ charging me individually for the difference in payment schedules ] is illegal. 

Thank you for your attention in this matter.

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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid off the loan in XX/XX/2020 but they are rude and not responding back to me and they didnt process my payment twice over course of 72 month auto loan they put payment to different account and slammed me with XXXX in late fees and XXXX in interest on late fees I have over paid them by XXXX dollars and they have ruin my credit by reporting at end loan 90 days past due and I have pay now clean my credit up 130 month costing me they refuse send me title and I paid them XXXX for XXXX auto loan and they keep giving different figures and have been discrimatory to me over phone as XXXX veteran, my credit has dropped over 130 points because of navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted all credit bureaus in regards to identity theft that was done by dad. I had been trying to get this removed for the past 5 years and have had no luck until recently after contacting a law firm. 
I contacted Transunion on XX/XX/2020 in which they signed for the receipt of my package. 
I included everything I have attached here to which they said the information I submitted was declined and the fraudulent accounts would remain on my credit file. They returned this letter to me XX/XX/2020. 
All of the fraudulent accounts are listed on my FTC identity theft report which is attached. 

Tracking number for my correspondance to them 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 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am reaching out regarding misinformation i received from a chase bank telephone customer service representative that caused my account to go into a charge off status which essentially ruined my life due to the negative impact on my credit. I called telephone customer service on XX/XX/2016 because I was looking to pay off my credit card balance in full. The credit card statement had a balance of {$990.00} with a due date of XX/XX/2016. This balance included a Late Fee of {$39.00} and Interest Charge of {$12.00}. I requested for the fee and interest to be refunded. The representative agreed to do so as a one time courtesy adjustment since it was the first ever fees charged to my credit card. I told the representative that I would like to pay my card to a XXXX  balance and did not want to over pay and be left with a credit owed. I was instructed by the representative to minus the late fee and interest charge from the statement balance amount and pay that amount because after the fees are credited then the account would balance itself to a XXXX  balance. 

I paid the amount of {$940.00} on XX/XX/2016. I found out after some time that the fees refund adjustments were never credited. Which caused my account to have a balance left over of the late fee and interest charge that were not refunded as promised. And for multiple months late fees and interest fees were accumulating on my account by being charged fees and interest on top of fees and interest. Ultimately my account was charged off with a balance of {$200.00}. This charge off amount completely consists of bank fees. 

I am disputing this amount due to chase bank clerical error. I previously disputed this with the credit bureau but my dispute was denied. I am writing this so you can understand my situation in detail. I request that you properly investigate and correct this. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one.

When I apply for credit I expect the creditor to ask which credit report they want unlocked to review. However, XXXX does not seem to comprehend this and after 3 representatives yesterday, repeating my question 17 times over a course of 1 hour and 7 minutes, I hung up.

FCRA rules are not being followed and it makes it hard to obtain credit that way. 

If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX, then perhaps legal action should take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion a for y experience the worst companies on XXXX. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a MONOPLY business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I do not have a contract with NATIONAL CREDIT SYSTEMS INC. I am not liable for collection. I am not liable for collection from the original debtor XXXX XXXX  XXXX XXXX XXXX. I was a co-signer for a debt that is already paid. This debtor is no longer established. I contacted the new management company who is now XXXX  XXXX XXXX- XXXX XXXX. They stated that they have no contract with my son XXXX XXXX ( signer ) nor myself XXXX XXXX. ( Co-signer ). I also attempted to contact XXXX XXXX who is the debtor. I was intercepted by a voicemail with no return call to request a contract signed to verify the two different amounts that they claim we owe. I have enclosed the info for all 3 parties. MY DESIRED RESOLUTION : DELETE FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
My TCF debit card was hacked on XXXX XXXX. I called on XXXX XXXX to dispute the charges. I answered the same questions 3 times, asked for my card, my husband 's card, and my daughter 's card to all be shut off, and got a police report. On XXXX XXXX I received a fraud alert on my phone that more charges had been made. I called the number on the text message and was told that since the charges happened on my husband 's card, they could not talk to me. I asked why they were continuing to allow charges to be made to an account that was now XXXX overdrawn, and they refused to speak to me. My husband called one hour later and answered all the same questions I had answered and asked that our cards be closed and the account closed in full. Since these phone calls have been made, TCF has continued to charge us overdraft fees ( 5 fees of XXXX dollars each ) and they authorized yet another fraudulent charge yesterday, XXXX XXXX. I have been on hold for 30 minutes today trying to address the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In a personal audit we found evidence that Citi Cards was charging us interest on a balance transfer that was already paid off. We have combed through years of statements and found many months where the balance transfer offer keeps reappearing on our statement with interest charges even after the card was paid in full several times. We contacted Citi Cards on XX/XX/XXXX and spoke with several people who couldn't understand the problem and finally spoke with a supervisor who said they would start an internal audit and return our call on Monday XX/XX/XXXX. He called on that day and said that they were still working on the issue and they would call within 2 days. We called again XX/XX/XXXX and they said our supervisor was out and would call XX/XX/XXXX. He did not return our call. We called again XX/XX/XXXX and they said they could not see that anyone was doing an audit and our account was locked so only they supervisor we talked to can work it. We requested a return call again. We are beyond frustrated and looking back this is a pretty substantial sum of money. No one can explain why we are being charged interest on a balance transfer that was paid off. I have attached two statements below. XX/XX/XXXX I have highlighted that the balance transfer offer 10 shows a XXXX  balance and then in XX/XX/XXXX, it is back on the card with a balance and interest charges. We believe this occurred with two seperate balance transfers over the last 3 years. There are many more examples.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance by Equifax. They have failed to remove information that was affiliated with personal details that were successfully challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
The items listed below were affiliated with personal identification information which was challenged and removed. These items as listed in my Equifax file are : ITEMS Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Chapter XXXX Bankruptcy REFERENCE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: IN

Complaint narrative:
On XX/XX/20 at XXXX p.m. I was called by someone asking for a XXXX XXXX. I told them that this was not that parties number. The person advised me the call was being recorded. She said she would not remove my number unless I confirmed or denied if I was XXXX XXXX. I asked if they were a debt collector and they would not tell me. I have never co-signed or otherwise had any debt with a XXXX XXXX. The fact she refused to remove my number is illegal in it's own right. So at XXXX I called back and spoke with a XXXX. I asked him who he worked for and he said Unifin. Unifin is a debt collector and this is another clear violation. They were using a spoofed number of XXXX, however once he gave me the name of his company I figured the rest out. I did record the call as well, but can't attach it for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2020 a business American Express credit card balance showed up on my personal report. The Balance is owed by XXXX XXXX XXXX Ive tried to dispute the This information few time Through The Credit bureau on the facts that this balance belongs to a business Im Partner there and this information on my personal report should be removed. But with no success. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITYBANK/VICTORI Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was in contact with a salesman at XXXX XXXX XXXX about purchasing an XXXX. The salesman rushed me into submitting a pre approval application for cars that had been sold. I was never advised on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They went ahead and shared all my information to multiple banks. I see on my credit report 16 recent inquiries for auto financing companies without my consent.  The guy called me saying theyre giving me a XXXX XXXX  when that is not what I had originally agreed on. I have contacted bmw financial services at this dealer and no one has bothered to reach out to me about this fraudulent activity they have customers doing and lying About my employers. They sent me a package for a car I was never aware of submitting application for. I want any inquiries from XXXX and forward to be removed due to the misinformation that BMW has provided without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, In my report wrote not right my address, where I never living. 
In my report request from, - XXXX XXXX, XXXX XXXX, consumer portfolios XXXX, XXXX, XXXX XXXX XXXX, what I never do, part of them do my husband, part of them all ready paid full by my husband, but system add all this to my report and additionaly wrote request done but never finance or paid, really for example XXXX XXXX paid full one years ago. 
I never do any cars finance, all this for me do my husband, but when he right complain about not correct credit report this system transfer his request to me, and wrote it is never paid. 
I do request XXXX XXXX medical group three time from XXXX, please explain reason this bill and send it to me.I do not see this till now, but they add in my report two collection account. 
Please let me know what it is, -illegal business, discrimination XXXX people, infridgement personal freedom because someone need improve self 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 2020-09-18 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITY BANK/XXXX  Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: PA

Complaint narrative:
my us bank reliacard provided by pua pa unemployment worked from XXXX til XX/XX/2020 they then froze my card without any notice when i finally got thru to them after days and hours on hold they said i needed to fax my ID and updated address which i did its been 2 weeks my account still frozen wont transfer my funds and pua pa says i have no outstanding claims

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 2020-09-18 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 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 statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased XXXX XXXX XXXX from KIA. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with KIA MOTOR FINANCE and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from KIA MOTOR FINANCE THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM KIA ABOUT ANY MONEY OWED. I checked my XXXX credit report and found inaccurate and derogatory marks on my credit report. I sent XXXX a letter concerning my credit report. XXXX sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY XXXX 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