vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to TransUnion and XXXX about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy

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 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I tried to call them and exaplina what was happening with ny card. Theyve know for two years when I had the card I made continuous on time payment. They did not give me the change to work it out them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: KS

Complaint narrative:
I received a letter addressed to me about an unpaid fine relating to a felony conviction in Florida in 2002. This bill is not mine. I called the company from my work phone and told them I am not the person they are looking for. The woman on the phone apologized and said she would remove my name from the system. Two days later I received a phone call at work from the company requesting payment for the bill. I spoke to a different woman this time and I asked why I was receiving the call ; she said the woman I spoke to earlier had removed my address from their system but not my telephone number. Since they called him on my work phone, the first woman I spoke with entered my work telephone number in their system. I asked them to remove my telephone number from their system. The woman asked me for my date of birth and I refused ; I will not give out my date of birth to a stranger on the phone. I offered to provide the ID number from the bill I received ( as this was sufficient for the first woman I spoke with ), but the second woman said she needs my date of birth. I asked the woman to tell me the date of birth they have on record for this bill and I would confirm or deny that the date of birth on record was mine. She said *it doesn't work that way* and I need to provide my date of birth. I told her this is not my bill and I would not provide my date of birth. She said they would continue to pursue payment of this bill and I need to contact a lawyer for legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: IL

Complaint narrative:
I have a personal loan with XXXX XXXX that is reporting ( 2 ) 30 day lates, in XXXX and XXXX of 2017. They fixed this same reporting mistake on my XXXX report twice and now is showing up late on XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
The car was seized by the company in XX/XX/2015 after having reached a payment agreement of three months had to pay 1 and negotiate the other 2 months was made the payment of one of the three months and as they want they took the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I called American Honda Finance on XX/XX/2017 tonask for a special payment plan because Inwas in between jobs and I needed assistance. The representative stated that I qualified for a special payment plan since I had a great payment history for the past 2 in a half years prior. They asked me if I wanted to initiate this special payment plan and I agreed and said yes. This special payment plan allowed me to bypass two months of payments. They then mentioned they would temporarily remove me off of easy pay and to call back a month later in XXXX if I wanted to get back on easy pay. Only if I had the means to make a payment. I received no calls or no notifications that my payments were late because To me they representative stated I would be on the special plan. I then call back in XXXX to make sure everything was well and was going okay and they informed me I was behind on my payments! I asked why if I was on a special payment plan and they stated that I never initiated the payment plan! I stated that I did because I really needed it and they denied it so now my credit score went down 54 points!! They dropped the ball because they told me to call back if I wanted to get my on easy pay and they stated that they told me to call back to initiate payment plan which is false because I needed the special payment plan to go into affect immediately starting when I called!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to XXXX  and Experian about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy

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 2018-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
over one year ago someone obtained personal information and opened an account and used information to obtain multiple payday loans and then switched them to our checking account for repayment, had to close accounts and institute fraud investigation which bank found in our favor and reversed all charges, now a XXXX from this loan company is making harassing phone calls and threatening us to take our vehicles, lien on house and go to court over non payment phone # is XXXX XXXX XXXX my pay day loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NJ

Complaint narrative:
I have a XXXX violation noted on my background check conducted by XXXX that its not my violation. Plus other old violations still posted causing my partnership to be closed with XXXX. Now my household is in finacial hardship without this income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I cancelled my XXXX  account and requested a final billing statement. On XX/XX/XXXX, I received a final billing statement for {$140.00}. I made three partial payments : {$40.00} on XX/XX/XXXX ; {$50.00} on XX/XX/XXXX ; and {$50.00} on XX/XX/XXXX which paid the outstanding balance in full. I received no interim or further communications from XXXX. 

On XX/XX/XXXX, I logged back onto my online account and noticed a charge for {$30.00}, but there was no explanation for the charge. I immediately paid the balance, even though I had no idea what the charge was for or why I " owed '' it. All of the equipment that we rented or used was immediately returned to XXXX upon the termination of the contract in XX/XX/XXXX. 

In XX/XX/XXXX, I became aware of a collection debt on my credit report relating to a {$50.00} outstanding debt owed to XXXX/XXXX. The debt was immediately disputed with all 3 credit bureaus and the collection agency ( Diversified Consultants ) and I provided proof of the XX/XX/XXXX bill along with my proofs of payment as well as the additional {$30.00}. As of this writing, Diversified Consultants refuse to remove the debt or provide me with an itemized billing statement explaining the additional {$30.00} and {$50.00} charges. 

I am still able to log into my XXXX account. There are no bills issued after XX/XX/XXXX. The final " bill '' I received on XX/XX/XXXX was simply an email stating that I owed {$140.00}. I have not received any communications ( electronic or written ) that I owed any additional monies other than the initial {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2018 BOA paid XXXX XXXX XXXX dollars out of my escrow account. The XX/XX/XXXXpage which they received showed a policy total of XXXX dollars and a BALANCE DUE of XXXX dollars. BOA paid in error and has now held me hostage with a negative escrow account. Many attempts have been made to resolve the issue, but misinformation keeps being conveyed such as : We can not issue stop payments on checks ( re : they paid XXXX XXXX XXXX on a cancelled policy just 11 days prior ). They then issued a stop payment on their check to state farm. So which is it? You can or can't issue stop payments? They also lied about the date XXXX XXXX   cashed their check. XXXX XXXX isn't the real issue though, it's the state farm payment of XXXX they made in error and are too incompetent to rectify. I want my XXXX dollars back. I should not have to wait for whatever whacked out process they have which has to date been almost 20 days. They have funds to pay me into a negative state. They should use the same slush fund to pull money from to rectify their error and deal with state farm on the back end to fix the problem BOA created by paying a XXXX dollar balance statement. Meanwhile I am losing interest on the XXXX I had to pay out of pocket.

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 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
AMERICAN HONDA FINANCE View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$19000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** CO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Comments - Contact Information XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The cfpb flagged a complaint as a duplicate. It was clearly not a duplicate. One complaint was fraud the other was a blance dispute. They waited over ten day to flag it as a duplicate. Thier customer service said they think it was flagged as a duplicate because the resolution was the same. Why are they looking in the resolution field to see if it's a duplicate, there are only a few possible resolutions, so obviously different disputes can have the same resolution. The customer service agent told me the only resolution was for me to submit a new complaint, and to put at the top that this is not a duplicate. That's great except I'm not wanting to start over from square one. I was expecting a response with in the next couple of days. I don't want to restart from scratch giving the finance company additional to resolve my issue. The least they could do is reopen the complaint without me having to submit a new one, as well as keep the original time table discussed for a response. Please see attached email for the complaint number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: GA

Complaint narrative:
I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
I sent notification to this debt collector to verify that this debt was indeed mine. They sent a billing statement. Per FDCPA that does not constitute as verification or validation. First letter was sent off on XX/XX/XXXX. Second letter was sent off on XX/XX/XXXX after they sent me a billing statement. In both letters I requested validation and to date, no method of validation has been received. Attached is my request for validation and the methods in which the debt should be validated per FDCPA. They instead sent me a billing item. This does NOT constitute the validation request that I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: UT

Complaint narrative:
I paid XXXX XXXX XXXX {$510.00} half of the total {$1000.00} due to XXXX XXXX, this was supposed to clear my debt and remove it from my credit report to which neither has been done. I checked with XXXX XXXX and it says I paid 50 % of my bill and it is still on my report. This was all done over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My 3 credit cards from CITI bank were abruptly closed on XX/XX/XXXX. I  have contacted CITI to inquire about the reason for the closure. However CITI hasn't provided any reason. In addition to the closure, CITI has also forfeited more than XXXX Thankyou points I have earned over past 5 years. And again CITI hasn't provided any reason and refused to retract the decision for the forfeit.

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 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month. 
I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car. 
My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc. 
I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED BANKSHARES, INC.
State: OH

Complaint narrative:
On XX/XX/2018 at XXXX, XXXX XXXX from XXXX XXXX called from phone # XXXX and called my cell phone at XXXX and my other cell phone at XXXX. XXXX left a voicemail on my XXXX number at XXXX. He was calling in regards to an overdrawn account. Federal law prohibits such calls before XXXX. XXXX XXXX ( located in West Virginia ) and my residence ( located in Ohio ) are in the eastern time  zone. I can provide proof of call logs and voicemails upon request. I am sure XXXX XXXX keeps and records calls as well. 

Below are the guidelines businesses must follow per the FCRA. 

Prohibited Collection Practices Call you before XXXX XXXX or after XXXX XXXX, based on your time zone Call you at work, provided the debt collector is aware your employer doesnt approve of these phone calls Harass, oppress, or abuse you Lie to you or falsely imply that you have committed a crime Use unfair practices in an attempt to collect a debt Conceal his or her identity on the phone Disregard a written request from you to cease further contact

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has been charging my credit card for years now for XXXX/mo. I discovered this charge occurring 2 months ago. Every time I try to call to cancel this charge ( which is the only way to cancel ), there is a 2-hour wait time. Today I called at XXXX XXXX  and the prompt message said that I would be waiting over 15 minutes which I thought was reasonable, however I am still on hold and it has been over an hour. I am a XXXX   woman who is no longer employed and I am steadfast at getting this charge removed. This is the biggest scam, rip-off I have ever encountered, by a company that appears to be trustworthy. How many MILLIONS of dollars have they robbed from Americans? It is sickening ... all I know is several years back I wanted to get a credit report, to rebuild my credit and paid XXXX for a report. Years later, they have taken hundreds of dollars from me unknowingly and under the guise of being an honest business. I have never received a phone call or email from the company or standard mail for the XXXX/mo charge and what those services are that are provided to me for XXXX/mo ... .another reason it's a scam. I hope a class action law suit is eventually made on this company and I hope one day that I am reimbursed for being robbed by Experian. I'm filing this complaint while still on hold, so far its been an hour and 12 minutes and no response on the other line. Luckily I'm unemployed currently and don't have other obligations other than filing a consumer report while waiting to speak with scam artists.

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