vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I am disputing a medical bill on my credit report which goes against the laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
XXXX To whomever this may concern/XXXX, the XXXX XXXX   ; I am returning this XXXX XXXX XXXX  to you VOLUNTARILY. I have called CNAC, as you have instructed on numerous occasions, to update/change or modify my payment frequency from bi-weekly to semi-monthly. This car is valued at {$4000.00} if that. I have tried to get it refinanced, and you know no one will touch any of your vehicles being over-priced. As you instructed, yes, she ( XXXX ) stated that she can make the change, but why should she when everyone is on the same pay frequency. I am not everybody, I said to her. It is sad that XXXX/XXXX  even tried to make the attempt, by stating that he was pulling up the form to make the change, on Friday XX/XX/XXXX around XXXXXXXX He stated he would call me back with the updated numbers. He never called back to say yes or no. I made the payment arrangement in lieu of them modifying my pay frequency. When there are more than 3 months in the year that I will get an extra pay. I do not expect to keep paying an extra car note, against my will. I am paying almost over {$600.00} every other month or the months that I get an extra pay. I asked over and over. You do not want to help so take your car back. I refuse to pay another cent. 

This company is taking advantage of people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-27 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I XXXX XXXX and my wife bought a XXXX XXXX, he the dealer XXXX XXXX XXXX XXXX and we had a bad situation with some legal things which violated our rights as a consumer. 

We sent the application online and thus receive some of the discounts and specials, and the interest of the promotion, Then we had an appointment with the seller to buy the car, which we did in about two days. 

The offer was about XXXX to XXXX dollars a month and an initial payment of {$3000.00} dollars, and the financing on behalf of my wife, after we went to the dealer they told us that they had to have, more income, which then XXXX XXXX was added Then they said we had to put XXXX dollars, which we paid, when they came with the approval, they gave us a 13 % interest paying {$980.00} dollars a month to 84 months, so I XXXX XXXX asked to speak with Toyota Finance and the manager He refused and said that I could not talk to the bank, I told him that because, as a consumer, I have the right to talk to the bank and fight that interest ... because the manager said no and I could not talk to Toyota Finance. 

I asked him to do a lease and they told me that they could not, and thus have a lower paid, and they refused. 

They did NOT give me the promotions and interest they currently have on the dealer 's website at 2.9 % APR for 72 months. They did not give me, they did not give me the XXXX XXXX XXXX Cash Offer of {$750.00} cash back. 
I think they did everything wrong here, just we pay {$980.00} to 13 % and for 84 months, it is an abuse of the manager and the toyota. In addition to behavior the unethical manager on some occasion. 

I want a lower interest as the promotion says, and the cash back offer of {$750.00}. And I ask for a contract review to be restructured with a new term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
These are not my accounts. please remove them.

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 2020-02-27 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: NV

Complaint narrative:
These are not my accounts. please remove them.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My capital one credit card account ending in XXXX has my registered closing statement date on the XX/XX/XXXX of every month. For the month of XXXX i made a payment that took several days to process from my external bank account. The payment was received and approved by Capital One on XX/XX/2020. And even though the account was paid in full before the statement date Capital One in violation of its cardholder agreement proceeded to charge me interest further attempting to collect on additional interests and fees. I have included pictures, and statements as evidence that Capital One is clearly abusing their cardholder agreement. I have reached out to Capital One and the representatives refused to adjust this and amend their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX XXXX I Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I deposited a check of amount {$100000.00} to my saving account in a branch office of Chase Bank on XX/XX/2020. Chase Bank held this deposit until XX/XX/2020. I sent a secure message on Chase online bank to inquire about this, the customer service reply me they did not reply my question through the secure message, I must call a phone no. if I want to know the reason. I do not want if this is a special way to treat their customer 's concerns. But I think they hold my deposit without any reason is unacceptable thing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I was 6 days late on paying the entire full balance because I dont get the bills telling me promotional rate is done. 

Even all the emails didnt have the dates written. 

So payment was due in XXXX but I guess it was 6 days late and I was charged {$1400.00} in interest only!! 

Its my fault for not paying after 12 months but I never got notices or even few day grace period

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
XX/XX/XXXX : Hilton Honors American Express Card ( HHAEC ) applied for and approved in the amount of {$11000.00} via XXXX XXXX XXXX XXXX ( XXXX ) Update Session*. 

HHAEC closing statement date : XX/XX/XXXX. New Balance : {$10000.00}. Minimum Payment Due XX/XX/XXXX : {$260.00} XX/XX/XXXX : emailed XXXX ( XXXX ), apprised XXXX our bank denied our {$11000.00} loan application, therefore we requested assistance in cancelling our recent XXXX, FL XXXXXXXX timeshare purchase. 

XX/XX/XXXX : XXXX responded our option is to resell this unit at the current resale value of {$3500.00} to {$4000.00}, latter amount was not reasonable. 

1XX/XX/XXXX : Ms. XXXX XXXX, of the Legal Office at XXXX XXXX XXXX XXXX XXXX located on XXXX, HI. Ms XXXX contacted HHAEC  on our behalf to erase our credit card balance because of the fraudulent manner my wife and I obtained the HHAEC and more importantly we are retired and are living on a fixed monthly income. In response, HHAEC reduced our 29.99 %   interest rate down to 18.74 % and also for the month of XX/XX/XXXX gave us Credit Adjustments for Purchase Finance Charges for {$750.00}. 

*XX/XX/XXXX : XXXX Update Session began at XXXX XXXX, ended at XXXX XXXX. It was 5 hour long brutally hard sales pitch by multiple XXXX individuals to my wife and I towards purchasing this XXXX XXXX timeshare. The main salesman, XXXX XXXX XXXX / RS # XXXX / effective : XX/XX/XXXX, Expires : XX/XX/XXXX. We informed Mr. XXXX that we were not in a good financial position to make this purchase at that time and we would need to apply for a loan from our bank. Following 5 hours, Mr. XXXX came up with a proposal that would help us make the down payment for this XXXX. Mr XXXX told us to fill out a HHAEC application, if it comes back approved, we'll have the down payment via the HHAEC. At this point my wife and I just wanted the exit session, our brains were exhausted from the constant sales barrage, so we gave in and agreed to purchase the XXXX timeshare. 

We feel we should be excused from all future payments to HHAEC   because we coerced into applying for this HHAEC by Mr XXXX XXXX   self serving and fraudulent behavior. 

XX/XX/XXXX : Our XXXX XXXX timeshare was recorded foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-02-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I checked my credit and saw another account from Receivables Performance Management for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
They refuse to correct information after being provided proof of inaccuracy On XX/XX/2020 I submitted another request to delete inaccurate information on my credit report. On XX/XX/2020 the company responds and stated that the address was deleted. However, it is still on my report. I have send 4 complaints and they say that it will be deleted but they do nothing to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a XXXX  account that had nothing to do with pay pal and since i thought you had to link them together. Wich i never did.. Didn t .know how but paypal collected my money with out my consent ... I never got a detailed description of the debt o owed and i have 2 emails which are different from paypal and XXXX XXXX. So i have no idea how they took my money in the first place but did. {$40.00}

Company response to consumer: Closed with monetary relief