vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Partnerships & Investments, LLC
State: PR

Complaint narrative:
During the month of XX/XX/2020, I lost Job do to the Covid 19. 

I reported It to the company : American Leading Finance and ask for

and evaluation for monthly moratory. It was recently denied, they claim I was not paying bills on time. I told them I lost employment and department of labor Have not give me my Unemployment benefits do to controvertial Point. All payments are on hold. I have reported to every finantial Institutions about this matter but There is No help, only treats to collect and report to credit burea missing payments. Please let me know What other options I have. I'm considering going Bankrupt soo
n.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
Received notice of debt with no explanation. Sent letter via certified mail within 30 days requesting validation. The response we received was a copy of a medical form called " Authorization for Use, Disclosure or Publication of Photographs '' with no financial information. Sent another letter asking for more explanation but never received a response. ACE has since reported a collections to credit agency with no explanation of the amounts, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank advised us that they would refinance our loan at 3.3 % thirty year fixed and if we invest $ XXXX with them, they will do a discount of XXXX points and XXXX points for {$1.00} XXXX. We provided them our records and sources of investment and met with their investment group. After listening to them, we decided that we would be open to $ XXXX investment, and if we like their performance we can do more later. After we informed them, they came back and said they will not do the loan and it should be XXXX {$1.00} XXXX investment. 

After telling them, that they did a bait and switch, they asked a manager and he said to not complain with regulators and instead will provide $ XXXX of credit on one property and $ XXXX on second to make up for our experience. We provided them all of our information in XXXX ( two 401K, IRA, multiple properties, savings with enough cash to carry us three years even without a job, far above minimum ). Subsequent to that no responses received again on loan status. After complaining that it has been nearly a month and half we started again sending them my bonuses, pay stubs, investments and stocks, insurance, mortgages. They asked my HR to provide them records of bonuses and stubs showing bonuses, which we did comprehensively. We provided them copies of three years of taxes. Still two months later and nothing. Then they asked for same items again for third time and put a long list of items through a macro-based file to my HR who stated that they have never seen anything like this, it can have cyber security issues to open these files, and finally beyond confirming employment bonus rates, they can't fill out some 15-20 questions that are beyond basic question of bonus structure and salary an confirmation of employment. The bank has refused to fund our loan, refund charges for credit and appraisal. They never intended to do this loan and has dragged us for nearly four months now. If they had any issue with my income they should have asked for that before dragging us this long, asking for appraisals and keep blaming COVID. Why ask for same information three times and never act on it, the answer is the bait and switch. They wanted our investment and never intended to fund this loan. Their conduct is fraudulent, in bad faith. Let me state that I emailed them with this narrative, they confirmed that this bait and switch indeed happen and they were sorry. This is all in writing from their mortgage rep and his Vice president copied. 4-5 months is beyond good faith business practice. I asked them for refund twice and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XX/XX/XXXX balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to XX/XX/XXXX and Equifax and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CITIBANK, N.A.
State: VA

Complaint narrative:
The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - SEARS/CBNA # 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 2020-09-30 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: TX

Complaint narrative:
This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus.

Thank You

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 2020-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
This complaint is in regards to my daughter 's dealings with XXXX  ( formerly Sallie Mae ). She completed her XXXX XXXX XXXX in XXXX of 2019. Starting in XXXX of 2019 XXXX  was demanding that she pay $ XXXX/month for her loans. There is no way she could pay that amount. Numerous phone calls were made to try to arrange a different payment option. At one point they told her that she needed to let the loan become delinquent and then they could offer her other repayment options. When she did that and called them she was told they couldn't help her until it was brought current, after which she was again told there was nothing that could be done to change the repayment amount. We called XXXX XXXX XXXX  and they were willing to refinance but my daughter would need to show that she could make the payment herself without a cosigner before we could cosign for her. Now this has fallen onto my Father in law to repay since he co-signed. He is now retired and its draining his retirement funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: WY

Complaint narrative:
My husband and I opened an online savings account on XX/XX/2020. I promptly downloaded the app to use the account online. 

We went through the process of linking my other external bank account to the Marcus account and transferred {$100.00} into the account.

We then transferred {$1000.00} into the Marcus account from our currency exchange account from the sale of our home in the XXXX. 

Then I transferred {$100.00} back to my external checking account and all was fine.

We then transferred {$16000.00} into the account from our exchange account. The next time I logged into my online app, it said my account was locked.

I called their help line and was transferred to three different agents
who eventually stated they would send an affidavit for me to verify my identity because I couldn't pass a credit history based questionnaire.

After 3 weeks, the affidavit did not arrive and I called them again. It was sent to a street address but it needs to go to a po box . After some struggle, they agreed to resend it to the PO box . It's now been 3 weeks again, and it had not arrived. Trying to communicate with them is very difficult due to the agents not speaking English and always needing to put me in hold to ask someone else for advice on how to proceed.
They refuse to return my money, give me an explanation of why it was locked in the first place, or provide timely, meaningful help to resolve this in a professional, safe and expeditious manner. This is unacceptable when dealing with someone's life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received notice from XXXX XXXX, XXXX regarding collection of a debt of {$710.00} with collection fees concerning my " merchant service agreement ''. Never received a bill and I am uncertain as to what company this debt is due to.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus. 
Thank You

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 2020-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: A-1 Premium Acceptance, Inc.
State: TN

Complaint narrative:
XX/XX/2020 I reached out to the company trying to get help considering I lost my income due to covid. They didn't attempt to answer any questions or help in anyway and then proceeded to charge me almost double my payment amount on XX/XX/2020. 

On XX/XX/2020 I reached out to the company again as I am in dire straights and asked to have my ach authorization revoked as I could not afford overdraft charges. The lady was short and rude. She stated she could not help me it was against company policy. I asked to speak to supervisor in which she said they didn't have one. They sent me to XXXX which whom I did not know her position. I asked if they had a legal department I could speak with again being told they don't have that and that I could not get a due date change or my authorization for 5-7 days. They were going to take my money anyway after trying to deal with this for two months. They bombard my phone with texts, emails, and calls. They are rude and unprofessional and their interest rates are appalling. I paid at least XXXX a month for almost 12 months on a XXXX dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to r equest the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

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 2020-09-30 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: Capital Accounts, LLC
State: VA

Complaint narrative:
The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - XXXX  # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accordingt to Equifax, In XX/XX/XXXX, I closed my XXXX account with a XXXX  balance. In XXXX of XXXX XXXX has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a credit alert that my Kohl 's account was 30 days overdue. 

This was the explanation I received from Kohls : My billing cycle begins on the XXXX of each month. Two payments were received in XXXX. One payment was received on XX/XX/XXXX. Second payment was received XX/XX/XXXX. Because second payment was marked XX/XX/2020, it was not counted towards the XXXX billing cycle, thus making my account 30 days past due. 

PAYMENT OF {$40.00} WAS MADE ON XX/XX/2020 Therefore, that payment should of counted towards my XXXX billing cycle. 
Therefore, my account has never been 30 days overdue. 
Therefore, Kohls report of my account being 30 days late in XXXX is inaccurate and should be deleted. This single blemish affected my scores by up to 80 points and has caused me to get denied from a personal loan I very much need during this pandemic. 

I have spoken to several different representatives at Kohl 's. Two of which told me someone would contact me to gather the evidence I had that I in fact did make a payment for XXXX billing cycle. I did not err by making a payment one day too early. I knew specifically to date the payment for the XXXX. I have an email verifying payment was scheduled for the XXXX of XXXX and a copy of bank record confirming a withdrawal on the XXXX of XXXX by Kohls. No one contacted me. Instead, I received a letter stating that after looking into my dispute, they deem their reporting valid. After a divorce, and being a single mother to XXXX  children, building and maintaining good credit standing has been one of my top priorities. I know the billing cycles of each of my credit cards. 

ATTACHED : PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of  Email verifying amount to be withdrawn on XX/XX/2020 PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of payment history showing payment posted on XX/XX/2020 and XX/XX/2020 Why would this company choose to post a payment the day after payment was withdrawn from account, but then on that same month choose to post a payment the after payment was withdrawn from account knowing it would incur a late fee? 

Are Kohl 's profit margins so slim that they have to nickel and dime their consumers during this Pandemic? During such trying times in which there is so little job security credit is so important. Now my credit score is suffering because a company, despite my multiple statements telling them I can provide bank records, decided I paid my monthly bill one day too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: ID

Complaint narrative:
This company has repeatedly called me during work hours, after hours of XXXX and as early as before XXXX. They have even called me on XXXX XXXX and have been told they are violating FDCPA regulations but refuse to listen. I have recorded phone calls between myself and their reps asking for them to send me proof of claim on debt and have yet receive anything from them on any debt ( s ) they claim to hold.

Company response to consumer: Closed with explanation