vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
I have attempted back in XXXX to get these 2 charges of {$1600.00} and {$950.00} cleared from my credit because it should have been covered by my son 's insurance ot the time of each incidents. I still don't understand why these charges were not covered at the time because my son was XXXX years old and was covered by state insurance here in Wisconsin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
In the Fall of XXXX, my late husband XXXX mailed a check in the amount of {$14.00}, drawn on our joint Key Bank checking account, to XXXX XXXX of XXXX XXXX, for a reference book that they advertised. ( XXXX passed away in XX/XX/XXXX. ) Without our knowledge, the people behind XXXX XXXX manufactured checks with our account information and XXXX name. Over the following three years, a total of twenty-five checks were forged, all but two made payable to XXXX XXXX   and submitted for payment. ( One was payable to XXXX XXXX and one was payable to XXXX XXXX ). The checks were not signed, but had a stamp on the signature line that read No Signature Required. 

Key Bank accepted and honored the fraudulent checks, and paid out {$60000.00} from our account over a three year period. 

In XXXX of XXXX, I was contacted by the US Postal Inspection Service and was informed by Postal Inspector XXXX XXXX that {$60000.00} had been taken from the Key Bank account, and that two individuals have been arrested on federal charges for an elder fraud scheme run through XXXX   XXXX. 

According to a news report, USPIS Inspector-in-Charge XXXX XXXX XXXX in a statement said that XXXX and XXXX XXXX exploited victims by fraudulently using their bank routing numbers and bank account number to produce counterfeit checks. 

When my son XXXX contacted Key Bank, he was told by a manager that they considered that XXXX original {$14.00} check amounted to consent to their honouring all future checks submitted to the bank by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
When I signed up for this account I realized I needed to remove money for a short time. I signed up knowing I would get a bonus and when I called the bank they said removing the money for a short period would be fine and I would still get the bonus. 

Now today they are saying that is not the case. They're saying whatever THEIR rep told me was wrong and that I won't be getting the bonus. Completely unhelpful over chat and refusing to help whatsoever. So not only are they not holding to what the rep told me but they are completely ignoring advertised sign up bonus. 

Please advise best way to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
I have a unverified account from XXXX XXXX / XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX / XXXX  Cease and Desist all further communications. XXXX XXXX / XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against XXXX XXXX / XXXX  with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was trying to close the costs on the rest of my payday loan sense I had pulled the loan out at the end of XXXX and I had been making XXXX dollar payments until the end of the term on the loan which was supposed to be on XX/XX/XXXX. I have already paid them XXXX dollars ( est. ) and they expect me to pay them an additional XXXX dollars sense I apparently haven't paid the full amount on the loan. What's the point of making payments if they are going to ask me to cover even more than I already taken out. I called to explain that to the operator and he told me that I was responsible for paying them more than the XXXX dollars i took out in the first place. I hope there is a way for me to cancel those payments sometime soon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: MA

Complaint narrative:
LITERALLY every time i try to file a credit report issue with Equifax they ask me security questions and when i answer them correctly they claim i need to call a 1 800 #. Im then connected to the XXXX and told i can give my complaint to them. ( They barely speak english. ) I ask who i can speak with in order to get back online. They tell me its not possible. This only happens when trying to dispute something. Any other time i use the website i get right through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: NV

Complaint narrative:
My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I received a collection notice from IC Systems from XXXX  XXXX. I had XXXX  XXXX in the past and canceled services with a XXXX  balance. I owe no monies to either of these companies.

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 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that I C SYSTEM COLLECTIONS has furnished some items that have unverified information. I believe under

the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from I C SYSTEM COLLECTIONS but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed  under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything  more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

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 2019-03-17 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: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
I have a letter from the hospital that says that all of my medical bills from XXXX are covered by financial assistance that I am not liable for the bills. So I have tried to call the company and try to explain this to them and try to get a fax number for them so that I can send a copy of the letter. The man Ive had to deal with was so rude and started yelling and being extremely ignorant to me and talking to me like I was XXXX. Refused to give me a fax number. When I asked to speak with his supervisor he said there was no one else to talk to and I said transfer me to someone else. He said that there was no one above him and he would not transfer me. He would only refer to himself as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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:
FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC HAS DENIED ME A CREDIT CARD ACCOUNT ( REF # XXXX ) STATING THAT HSBC CAN NOT CONFIRM MY IDENTITY AFTER REVIEWING MY XXXX   CREDIT FILE. 
IT WAS TOLD TO ME BY HSBC THAT A FRAUD OR SECURITY ALERT WAS ON MY XXXX  FILE AND THEY NEEDED ME TO CONFIRM THIS. 
WHEN I CALLED XXXX, XXXX STATED THERE WAS NO FRAUD OR SECUIRTY ALERT ON FILE, YET HSBC STILL DENIED ME CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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:
FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE 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 2019-03-17 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that ROSSMAN & CO has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from ROSSMAN & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
SANTANDER CONSUMER USA is reporting a negative remark on my credit report for a vehicle that was voluntarily surrendered and closed account for the amount of {$20000.00}. 

The account was opened XX/XX/XXXX and closed XX/XX/XXXX - but the last payment was made on XX/XX/XXXX. The dates are completely mixed up as well. 

The reason for the request to the lender to pick the car up was because of a broken promise on the dealership and lenders end. It was agreed upon at the time of purchase that any issues concerning the mechanics of the vehicle would be fixed and addressed by the dealership and almost after 1+ years the the issues were still never fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The following account is reporting inaccurate information on my all three credit reports which is hurting my credit. The information I have from the company is this : - XXXX XXXX XXXX XXXX : XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who opened this account. Hope this can be solved as soon as posible because I have been working really hard to fix my credit and build it at the same time. I want CFPB to take an action and help me to solve my issue with the collection and Reporting agencies. 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 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Penfed closed the credit card I opened with them a few years ago and it has a huge balance which I try to make payments on every month but the app won't let me. I also have a savings account with them which I regularly make deposits almost every week. When I try to make a payment to my credit card through the mobile app, it won't let me. After the payment is due and they report it to the credit bureau, then they took the payment from my savings account. Because of that my payments with them is always late. If they can move the money from my savings account to the credit card after the payment is due, why they just let me do the payment on time or move the money themselves before the payment is due? They are destroying my 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 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: KY

Complaint narrative:
I purchased furniture from XXXX XXXX in their store in XXXX KY on XX/XX/2018, totalling {$3200.00}. They had a 101 days same as cash promotion going on, and told me that if I did not pay it all in that time frame, it would roll over into a loan. I signed an application and had the receipts for the purchase. I do not remember signing anything electronic. The payments went to American First Finance. 
During the 101 days, I paid {$1000.00}. 
After this time, they told me that I would now owe a huge amount, where the electronic contract that I signed said that I would pay 144.60 % interest! I told them I did not sign this! I told them that was extremely unfair, and I believe that it is illegal! I continued to make payments and continued to call them and as of XX/XX/2018, I had paid the remainder of the purchase amount. Now all I owe is the interest on {$2100.00} for the amount of time that I paid on that money, which is 8 months. 
I have spoken to the company several times, trying to negotiate a fair amount of interest for the both of us for the amount/time frame of what I would owe them, which is {$2100.00} for basically 8 months. They have now put this on my credit report, saying that I am late on payments. 

The best verbal offer for settlement from American First Finance that I have is {$2400.00}, or they say I can make payments on the full balance of {$3400.00} ( on a purchase of {$3200.00}!! ). l believe this is illegal, and there are usury laws in KY that have a cap of 19 %. I had no idea what I was getting into with this company. I now need to trade my car and my credit rating has dropped several points, which is going prevent me from getting the vehicle. 

I am willing to settle this for 19 % interest for 8 months on {$2100.00} which calculates to {$270.00}. They are threatening me with a collection company. I believe this company to be using illegal and extremely unfair business practices to their customers. There are several online complaints just like mine where they done this to other people.

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 2019-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/XXXX I had 5 separate charges from XXXX XXXX XXXX each for {$200.00} for a total of {$1000.00}. I've attempted multiple times to resolve this with XXXX XXXX and inquired about obtaining more information about the charges I'm writing on several occasions. I filed a police report as the only information XXXX XXXX gave me was they were cash withdrawals even though I did have my card in my possession. I advised direct express that in the weeks before the fraudulent charges I did receive an email that appeared to be from their company stating my account was locked and I would need to enter my card # and pin to unlock it. In hindsight I realized that this was obviously a scam to obtain my card # and PIN.. I've provided XXXX XXXX with my concerns in writing and the evidence to support my claim to no avail.. They refuse to investigate my claim despite the indisputable evidence that my claim is valid and I was scammed for {$1000.00}. XXXX XXXX is not following federal law at this point and have blatantly disregarded the laws put in place to protect consumers in such matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
One week ago, I discovered that I had been billed approximately {$20.00} for a monthly subscription to the TransUnion Credit Monitoring service that I don't think I ever signed up for. I then went back to my credit card statements for the past year and discovered that I had been billed approximately {$20.00} for each month for at least the last year. I have tried to think back and can not think of a time I would have intentionally signed up for this product. Once I had figured out that they were billing me for a product I didn't want, I logged on ( after recovering a password I don't remember getting ) and cancelled. Thankfully, it was not that difficult to figure out how to cancel on the account, but that doesn't help me recover the more than {$240.00} that I have paid this company over the past year that I didn't want.

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 2019-03-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX19 I did not authorize the Auto dealership to bombard my credit report with 13 inquires. When I saw this the business manager told me that the 13 would become 1 since I was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Looking over my XXXX credit report i noticed that PNC Bank is reporting negative information about an account that was paid in full and closed. I have talked to PNC and they are staying their records are showing that everything is reporting correctly with no negative marks.

Company response to consumer: Closed with explanation