vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I received automatic messages from Citibank fraud prevention department asking for verification of several transactions made on my account. I replied to those messages specifying that those transactions were not made by me and denying any acknowledge of the purchase amounts referenced on the text messages. Then, I received a call from a representative who asked me details about the transactions that did not look as regular transactions that I could have done, based on my purchase history. I answered on that call that I had not done any purchase with my card that day. I agreed with the representative that my account should be closed for security reasons, so he proceeded to close my account and a new account was issued and sent to me a few days later. The representative did not advised me to file a police report or contact any other office at the 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 monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my second complaint with the same issue with BBVA credit card. I'm owed a {$110.00} credit which I have asked be credited to my account in response to their response to my previous complaint. 
BBVA has provided details of a credit they insist have issued me but I have never received it. First, I never authorized them to credit my checking account. Secondly, they have provided confirmation of a transaction with XXXX on my behalf but I don't bank with XXXX. 
Speaking with their customer service yields no result and I have not been issued the credit owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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 — Problem with personal statement of dispute
Company: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/20 I hired a credit repair company ( XXXX XXXX XXXX ) to request a good will removal of late payments for my Total Visa Credit Account ending in XXXX. Approximately 2 weeks later I received a notification from XXXX  that a settlement on my credit account was process and reported as a result. I immediately contacted XXXX to make sure that they in fact did not request a settlement of the account but a good faith late payment removal that occurred over 48 months prior. The representative assured me that they do not engage in debt settlements and that there must be an error with the creditor. I then contacted Total Visa Credit to explain to them that I did NOT authorize a settlement and requested that the account be reinstated so that I could pay any balance that was remaining on the account. My request was denied with no documentation that I requested as they stated that the information had been purged from their system. This means that they have not complied with the record retention requirements for consumer credit disputes. I would like the account to either be reinstated allowing me to pay the balance in full and or the negative reporting removed from my consumer report with all 3 credit bureas. To further note, the account has been current and not delinquent for more than 36 months and therefore there was no need to request a settlement. As a result I have been unfairly, and deceptively been harmed by this consumers practices and or failure to provide and or retain records as required by the consumer regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Finance mailed a Property Tax Assessment letter to me, dated XX/XX/XXXX for XXXX XXXX XXXX lease XX/XX/XXXX. I filed Form 50-285 ( Lessee 's Affidavit of Primary Non Income Producing Vehicle Use ) with XXXX County. In fact, I filed for XXXX and XXXX. XXXX County notarized the form and I mailed a copy to Kia. A follow up call confirmed they received it. My issue is the letter states XXXX County Tax Collector has assessed a tax which I know they have not because I visited TCAD ( XXXX Central Appraisal District ) who confirm no tax has been assessed and they have my Form 50-285 on file. I contacted Kia and requested validated, documented proof tax has been assessed, who assessed it and if Kia actually paid it, I need that proof as well. I have called several times and have requested to speak with someone in their Property Tax Dept because the CSR 's are ill-equipped to answer tax questions. KIA will not transfer you nor let you speak with anyone in the Property Tax Dept. I even asked if the Property Tax Dep could call me, but they do not do call outs. Oh and they are quick to state your contract states you will pay any taxes assessed, but if they expect me to pay property tax, I need to see proof of the tax. FYI : The first I mailed Form 50-285, they confirm receipt of form and accepted it. Now they are rejecting it. They are non-consistent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
I keep receiving harassing phone calls from Portfolio Recovery Associates every day from Monday trough Saturday since the month of XX/XX/2020. They are bothering me with a debt I don't owe to nobody. I don't know them. I just verified my credit report and I don't have a bad debt reported on my credit history either. It sounds suspicious to me and it is taking away my peace of mind. These are their phone numbers that I'm receiving phone calls from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2018 to XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: NY

Complaint narrative:
Inaccurate information reporting.

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 2020-03-07 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: FL

Complaint narrative:
I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED Equifax, XXXX   and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: FL

Complaint narrative:
I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, XXXX   and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-07 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National credit adjusters have put 2 new accounts on all 3 of mt credit reports for collection with XXXX  XXXX. I have never or will i ever have any account with XXXX  XXXX this is the second time national credit adjusters gave done this. This is identity theft i want these accounts removed from all 3 credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: AR

Complaint narrative:
XXXX XXXX  XXXX  reported a debt on my current transunion/XXXX   report. I sent transunion the documentation and spoke to XXXX  on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.

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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an email on Monday, XX/XX/2020 at XXXX XXXX  that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I was shocked when I reviewed my credit report and found 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Account Resolution Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX HOSPITAL has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of {$150.00} ACCOUNT RESOLUTION C has a negative impact on my credit for the amount of {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019 to XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: AR

Complaint narrative:
XXXX XXXX  XXXX  reported a debt on my current XXXX/equifax report. I sent XXXX  the documentation and spoke to equifax on the phone detailing that the account was not in collections and was pulled out on XX/XX/XXXX. Furthermore, the debt was sent to collections in XXXX of XXXX. 
The credit bureaus must wait 180 days before listing medical debt reported to them on your credit report. The grace period allows time to resolve disputes with medical providers or insurance companies before a bill is considered overdue and affects your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: NY

Complaint narrative:
Not my information.

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 2020-03-07 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: GA

Complaint narrative:
To Whomever This May Concern : I am reaching back out because I am going to file suit against XXXX  and Experian. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

XXXX  refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

Experian refuses to remove XXXX XXXX that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. Experian has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I have sent Experian the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through Experian and XXXX  and both of these bureaus are refusing to cooperate. 

My attorney is giving Experian and XXXX  until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.

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 2020-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I currently work as a XXXX  and am working my way towards the ten years of Public Service Loan Forgiveness. I had been making payments steadily. While I was attending school for my XXXX XXXX XXXX, FedLoan servicing automatically put my loans in deferment. This is normal procedure, but then my payments don't count toward pslf. I requested that they not put my Ioans deferment for future semesters, and they said that they had put it on my account so they wouldn't do that. 

They did it again the next semester, and then again the semester after that. When they removed the deferment, they put my loan in 'paid ahead ' status, even though it wasn't. This caused five of my payments to not count towards the pslf program. They entirely admitted it was their fault and that they would correct their error. 

I submitted a review in XXXX. That review took over a year to complete and they did not correct their errors. I submitted a second review in XXXX of XXXX, upon recommendation from a FedLoan servicing employee. I was told this review would take three months to complete. I called back in three months. I was told it would take another three months. I just received the completed review after almost 2 years of struggling with them, and it still is not counting the payments I made during the time of company 's error. 

FedLoan servicing has said on many occasions this was their error and they would fix it. This makes a difference in thousands of dollars for my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
This occurred on Saturday XX/XX/2020. 

I called my current mortgage company, Quicken Loans, and asked about current rates since I heard they dropped. I was interested in potentially lowering my interest rate. 

The first person transferred me to a specialist. The specialist quoted me a rate of 2.5 % as their rate for a 15 yr mortgage. 

The specialist then asked if I wanted they could pull credit to get the process moving to save me money. I agreed. 

The issue came when the specialist came back on the phone and failed to mention that the 2.5 % rate was only possible by paying a bunch money to get the rate down that low. It was a bait and switch. I never would have agreed to have my credit pulled if I knew I would have needed to pay a bunch of money just to lower my rate by 1 %. 

The specialist did not read any credit disclosures to me on the phone and did not mention there would be a hard pill on my credit and impact my score. 

Furthermore, I escalated to their manager and the manager said that none of their rates were that low unless you paid additional money. He said that the rep should have mentioned that. 

This is clearly a deceptive practice from the sales rep and was not in the best interest of the consumer to inform them of the information before making this decision. 

I am requesting that this credit pull be removed and the rep coached to prevent this from happening to additional customers.

Company response to consumer: Closed with explanation