vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought a XXXX Washer Machine on XX/XX/2019. I place an order online but when I got the washer it was too big and I decided to return it, Best Buy Store charged me {$69.00} for return Delivery. While I was waiting for the machine to be pick up I tried to make an space so it can fit in my kitchen and it did. I went back to the store to cancel return, the canceled it but my {$69.00} is not on my account back. I tried to fix the problem with them but theyre saying theres no way to put that money back on my account, that is called STEALING. So I want to file this complaint because Inma not fair the easily charged me but now no money back

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 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered into a contract with Prestige. On XX/XX/XXXX the vehicle involved in an accident. On XX/XX/XXXX, XXXX XXXX XXXX assumed responsibility for the accident. XXXX totaled the vehicle out under claim XXXX. On XX/XX/XXXX, I provided XXXX XXXX with information for my GAP and also contact information to cancel the warranty that was purchased for the vehicle. On XX/XX/XXXX I received an email from XXXX XXXX advising that they has released a check for Prestige and that they should receive it within 7 days. On XX/XX/XXXX, Prestige received a check from XXXX in the amount of {$16000.00}. They also received a check on XX/XX/XXXX in the amount of {$3100.00} from my GAP insurance. After the application of the Insurance payment from XXXX and the payment from GAP, that left a balance of {$1300.00}. On XX/XX/XXXX, I began receiving emails from XXXX XXXX at Prestige. I again informed XXXX that a claim had been submitted to cancel the extended warranty and those funds would be coming from the auto dealer and that it would cover the balance. After going back and forth with the XXXX XXXX XXXX and Prestige, I contacted the extended warranty company myself on In late XX/XX/XXXX and submitted the claim that both claimed to have made. The claim was approved and payment was refunded to the XXXX on XX/XX/XXXX in the amount of {$1300.00}. XXXX XXXX XXXX did not send the payment to Prestige until XX/XX/XXXX. During this time, Prestige began charging me interest on monies that was confirmed to be refunded. Once the refund from the dealer was applied, the balance on this account was {$10.00}. I never received a bill for the balance of {$10.00}. Prestige submitted to the Credit Bureaus, stating that the account was charged off and had no history of on time payments which has hurt my credit. They have also reported that the balance is {$180.00} which includes the balance of {$10.00}, interest in the amount of {$150.00} and fees in the amount of {$18.00}. On my XXXX  credit report it shows that this account was closed on XX/XX/XXXX which is before I even had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
SCA Collection c/o Consumer Financial Protection Bureau XXXX. XXXXx XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX To whom it may concern : I received an itemized bill from SCA Collection which is a third- party collection agency. SCA collection has violated my HIPPA rights. I did not sign any contractual agreement with SCA Collection for them to have my medical records nor did I signed a medical release form from the hospital for them to obtain my records. 

The laws of HIPPA regulations state that any time you go to the doctor and when you sign that HIPPA form, it states medical information, charts, diagnoses, and other Personal Health Information ( PHI ) is to only be shared with the individual you put down that can have this medical information released to them. The person you put down on that form, is the only person that can receive that information I.e. spouse or family member you designated and that that health care provider in this case XXXX XXXX XXXX. The minute that XXXX XXXX XXXX gave that information to a collection party ( SCA Collection ) showing my PHI is a direct violation of HIPPA. I did not sign a form giving up my PHI to this debt collection agency. 

I demand that this account be closed and return to the creditor. Removed from each of the credit bureaus ( XXXX, XXXX, XXXX ) because it is violating my rights. It is within my rights to sue SCA Collection for violating my rights for the damage that has been done. 



Thank you 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have banked with PNC for 4 1/2 years with direct deposit. I just started to work on my credit and got a prepaid credit card from them with a limit of {$500.00}. My first payment was due on XX/XX/19. I paid it through my virtual wallet through a transfer from checking to the credit card and paid {$400.00} ( minimum was {$25.00} ) on said date at XXXX.It said it will post on XX/XX/19 which is 3 days later but I know that I paid it on the date that it was due. The lady at PNC was very helpful and she said she would normally wave the {$25.00} late fee but she cant so she made a call. After the call she said you did everything right but the lady on the phone wont wave the fee because it wasnt a seasoned account. She said I guess next time make sure you pay it several days before its due. In that case no due date should ever be on a Saturday or Sunday or Holiday because banks arent open then I guess lol

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Recovery Solutions, LLC
State: PA

Complaint narrative:
Consumer Recovery Services LLC. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the Consumer Recovery services.

The case number was just the case number for the CRS LLC. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed for the first time that my interest rate had gone up from 13.49 % to 19.49 % with my American Express card. I called American Express and spoke to a supervisor over there inquiring as to why the interest rate had gone up 6 %. I asked what had changed on my account since I have never paid late and my FICO score is in the mid 700 's. XXXX went on to say that since other companies where raising their rates they figured it was a good time for them to raise their rates also. I mentioned to him that this seems like interest rate price fixing and collusion within these credit cards to raise interest rates arbitrarily because everyone else is doing it. What protections does a consumer have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/19 I refinanced my auto loan with a new credit union and had the 10 day payoff amount, and they distributed a check for the full amount of my auto loan {$44000.00} to Wells Fargo. After a few collections calls from Wells Fargo demanding a payment I started to research what was happening. XXXX XXXX confirmed they distributed the funds XX/XX/19 and began an investigation with both XXXX XXXX and Wells Fargo. On XX/XX/19 Wells Fargo informed me that if I didn't make a payment that day, they were going to report a late payment on my credit report. So I reluctantly made a payment of {$710.00}. 
On XX/XX/19, XXXX XXXX informed me as they were going to cancel the original check and write a new one, Wells Fargo told him " we found it, no need to do that '' and the account was satisfied. 
Upon receiving my refund check for the one payment I made for {$490.00} charging me interest while they held the check. I called and complained and demanded the {$220.00} to Wells Fargo, they opened an investigation and I was informed they weren't going to do any more actions.

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 2019-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Earlier this year I got a copy of my credit report and saw that my report included a collection for Receivables Performance Management for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called Receivables performance to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid 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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I received a notification from a bank institution stating that my loan request could not be processed because my Equifax report was " frozen ''. I called Equifax and spoke to three different departments and turned out that my report was " Credit Report Control ( CRC ) blocked ''. 

On XX/XX/XXXX, I sent a fax to the Security Department of Equifax Security, following their instructions and  including copy of my SS card and driver 's license. On XX/XX/XXXX, I called and learned that the letter was not received. I sent the fax for the second time, and also sent it via certificate mail with delivery confirmation using the USPS services. 

Yesterday I called Equifax and did not get any answer. My account is still blocked. They did not say who or when, or why it was blocked, and requested that I write a second letter, because they received a letter that was incomplete. Realizing that Equifax is incapable of solving this problem based on their customer handling and sercvicing, I decided to contact you office. 

I'm uploading files backing this procedures and also the front page of the last credit report I requested, dated XX/XX/2019, in case you need additional information from this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
XXXX XXXX XXXX  XXXX. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the XXXX XXXX XXXX. 

The case number was just the case number for the XXXX XXXX. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BARCLAYS BANK CREDIT CARD SHOWS ON MY CREDIT REPORT WITH XXXX, WHICH IS NOT MINE!! PLEASE HELP ... I HAVE FILED WITH THE FTC

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 2019-06-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Again the credit bureau 's request that you guys ( citibank ) contact them to fix 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 non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
i am a son that stay, s with my mom mother and I am unemployed no money and unable to apply for unemployed beinafits and with out unemployed insurance and my mom is a retired XXXX and getting social security income and we have to pay for repair, s on the home because we have had some havey stom, s and flood, s last year and we had to pay a handyman to do repairs on our roof because the havey stom s and flood made our roof leak and the same thing has happened again and we had to take out home owner, s insurance and pay out of pocket that and we had to pay the handyman out of pocket last year to do the repairs on our roof do to the havey rain storm last year in XXXX and we had we had to defa, s in the family because two of my uncle, s died this year one get XXXX buy somebody else at a local store in XXXX and in XXXX the other one died of XXXX  and XXXX XXXX and we are still dealing with that right now and and most of all we tried to callMr Cooper Mortgage company to tell them we was going to go to send them a payment in the mail and the lady that picked up the said our house is in for closure and they are worng because and most of all we won't Mr Cooper mortgage company investigate and they bank that they bank with to be investigated XXXX possible it is very important and urgent!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: NY

Complaint narrative:
Again the credit bureau 's request that you guys ( XXXX ) contact them to fix 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 2019-06-05 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: TX

Complaint narrative:
CAPITAL ONE CREDIT CARD WAS OPENED IN MY NAME ... IT IS REPORTED TO MY CREDIT FILE WITH XXXX ... THIS NOT MINE!! PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
Fraudulent accounts are reporting on my credit report XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: GreenSky, LLC
State: IL

Complaint narrative:
I am a senior citizen and the victim of extortion twice : Once by the merchant and once by the finance company. Here 's my story : Merchant : XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX This plumber charged me {$8500.00} for a job that other plumbers charged me {$1500.00} to {$2000.00}. He pressured me to sign before the job was done by threatening to walk off the job. I signed under duress and will be filing a complaint with the Illinois Attorney General for extortion and violating Illinois Right to Cancel law. 

Finance Company : GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, a unit of XXXX XXXX XXXX, an XXXX  XXXX. 
This company is committing fraud with their promotion program by charging a higher interest rate than stated, and colluding with merchants to defraud senior citizens. Im planning on contacting a knowledgeable lawyer to file a class action lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: BB&T CORPORATION
State: TN

Complaint narrative:
I had an XXXX XXXX with XXXX XXXX. They were taking daily payments from my account got XXXX. When I repeatedly told them that my business wasnt making money and to please stop, they continued to withdraw anyway, overdrawing my account. I filed a fraud claim with BB & T, and they have to provide me with proof that I authorized these withdrawals. But they denied my claim and still do not have the proof stating that I authorized these transactions. Yet, I do have proof in emails showing where I requested XXXX XXXX stop withdrawing.

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 2019-06-05 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: KY

Complaint narrative:
I went online to check my credit report in XX/XX/2019 and realized that XXXX XXXX is reporting an account negatively on all three of my credit reports, AND XXXX XXXX XXXX is reporting the same negative account. I am aware that no account should be reported twice ( duplicate reporting ). 

I disputed this issue on XX/XX/2019 by letter to all three credit agencies. When my online report updated XX/XX/2019 it showing both these accounts are STILL reporting across all three reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
Regarding alleged debt owed in the amount of {$270.00} to MARS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok XXXX. The creditor listed on my credit report. Failed attempts to validate the debt listed. I have attempted to reach the above creditor twice via certified mail. First attempt XX/XX/XXXX certified letter was returned with a message stating wrong address. Second certified letter XX/XX/XXXX was returned with message return to sender, vacant unable to forward. The name and address was obtained from the credit report

Company response to consumer: Closed with explanation