vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To whom may concerned : I have this XXXX XXXX XXXX credit card bill issues. 

I got the bill for {$17.00}, that is due XX/XX/XXXX. But since in late XXXX I was travel in XXXX till today, but my husband is in USA, and he paid the bill on line in XX/XX/XXXX. At the time he was making the payment, the balance shown was {$17.00}, even we were two days late. After paid for the bill, we did not use that credit card anymore. 

We paid the bill and thought we do not own the credit card. But in XX/XX/XXXX, after we had paid our full bill amount. The credit card company still charge us late fee and create a new bill for {$19.00}. Then in XX/XX/XXXX a bill for {$24.00}, in XX/XX/XXXX a bill for {$66.00}. Since we had signed up for on line  statements, and the email notification is going to my email account, but I was travel in XXXX all these time, not easy to access the email, and worst yet, I do not expecting another bill. Until my husband received the letter bill of {$66.00} in XX/XX/XXXX. 

In XXXX, I had contacted the credit card company, by phone XXXX, and told them our situation, they said they try calling us, and leave messages, but my husband check the phone call history, it only shown a few anonymous calls and no messages from the credit card company all these time. The credit card representative only agree to drop the bill to {$42.00}. XXXX and if I pay for that amount, then my account will be XXXX dollar balance. 

I do not agree with the credit card company 's charge, but I dont want the bill goes higher, so I agree to pay for {$42.00}. XXXX to bring my balance to XXXX   dollar first, and make my complain later. And I paid {$42.00} on XX/XX/XXXX.

I only two days delay to pay the bill before the due date, after all I did PAY for my bill before the next statement. If need to be charge, should only charge for that two days late fee only. The way the credit card company doing is ripping people off, they ignore my original full amount of payment, and make new charges to me, this is unreasonably, unfairly and discriminate, and because of these late fee charges, it ruing out my credit report! I am asking for a fair judgement!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Three failed separate ATM transactions occurred without my knowledge in the state of XXXX when I reside in XXXX XXXX State. My information was compromised although I had my debit card on my person the entire time. Bank of America decided to close my checking account without notice and a representative to speak about it with. I filed a claim and was told that I would be sent a new card once I received a new card in the mail I still had trouble activating it because my account was permanently placed on hold. This comes at inconvenient time because I had direct deposits from my job and I am past due on bills from the last week.

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 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has an item on my credit reports opened XX/XX/2015 showing original creditor as XXXX and a balance of {$270.00} I recognize the name XXXX but have no knowledge of this debt or this company. I have had no communication from either in regards to the alleged debt. Considering all the complaints and lawsuits they are involved in In my mind it is either a mistake or fraudulently placed. XXXX on XXXX, XXXX legal issues on XXXX some XXXX on here under their various names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of america loan was reported as a charge off on my XXXX credit report. I was about to pay it off and the account disappeared from my online banking. 

How I'm I supposed to payoff loan? Why was I not been given a chance to payoff? 


BK OF AMER 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 Charge-off Status Updated XX/XX/XXXX Usage - Balance {$28000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL 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 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt. 
Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX , XXXX  Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX   Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc
State: TN

Complaint narrative:
I had XXXX install Internet service on XX/XX/XXXX. I paid with my XXXX XXXX card. Two days later I calked to cancel. XXXX agreed, but the next month I got another bill from them. I called, they apologized and said it would be corrected. I contacted XXXX XXXX and put a stop on XXXX receiving any more funds. XXXX XXXX attempted to communicate with XXXX about a resolution. XXXX never responded, so XXXX XXXX resolved the situation in my favor and issued a refund to my account. 

In XX/XX/XXXX I got another bill from XXXX. The agent said they had never seen anything like this. They said that there was an issue with the refund and they couldnt figure it out. I told them to contact XXXX XXXX to figure it out, and to quit billing me. 

I received a letter from JXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter states that they are trying to collect a debt of {$110.00} on the behalf of XXXX. I called their contact number and spoke to a male CSR. When he asked me if I wished to dispute it and I said yes, that I didnt owe anybody anything, he started yelling at me and would not stop. I asked him repeatedly to stop, but he just kept yelling at me. This went on for a couple minutes, and the guy would not stop yelling, not for a second. I finally hung up on him.

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 2018-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc.
State: SC

Complaint narrative:
I was being contacted by a hospital for an outstanding bill. At the time I resides in XXXX. I verbally communicated with them multiple times that I had insurance to cover the charges and even provided them with the information. As well, I provided written communication with paper copies of the insurance proof. A few months after I moved to XXXX. I immediately notified them in writing and verbally about my change of address and phone number. After this, I never received any notifications from them. I found out one month ago that they had sent my account to collections even when I had spoke with them after they sent it ( my unknowingly ) and was never told. I never received any notifications at my new address or phone number, and now have a debt that has tremendously affected my credit score that should not be on there. 

My insurance is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: AZ

Complaint narrative:
I cqalled to settle debt and was on hold for multiple hours not only did they change the amount with every call transfer ( Which is not proper busniess pratice ) I EVENTUALLY settled and paid debt off XX/XX/18. I'm in the process of purchasing a home in the escrow final stage process. I need proof of payment .I have recorded all my phone conversations with the company based on the horrble consumer reviews reported by others. By law I'm entilted to proof of payment within 7 days. I have contacted multiple law firms regarding this matter and have picked XXXX XXXX to represent me if this compalin is not resloved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX On the date shown, XXXX XXXX  called me on my cell phone, and explained they are a collection company trying to recover my debt owed to XXXX XXXX. There was a debt. The amount sounded correct. We made a payment arrangement together. 

The whole thing began to take a weird, unprofessional turn after I agreed to two payments of {$230.00}. The agent on the phone with me, a woman with a foreign accent ( the charges incurred foreign currency exchanges, as well ), said she needed to transfer me to her manager for " final approval ''. She was fine, actually, but the manager was acting like a used car salesman, giving me strange options which made no sense. 

I had ALREADY agreed to make two payments. He didn't like the dates. He wanted them back-to-back, then a week apart, then one week after the week I had agreed to! What the XXXX? Finally, I told him he was just too XXXX weird to deal with and process my payments and get off my phone. The phone call lasted 20 minutes after I had already agreed!! 

However, part of what I agreed to was, THERE WAS TO BE NO REPORTING TO THE CREDIT BUREAUS since there had not been any on this matter prior to our conversation. It's now on my XXXX   report as a collection!! They LIED! 

They called me AGAIN, before the second payment ( XX/XX/XXXX ) and began to harass me for my email address, address and more information, which I refused to give them! What do they need ANY of  that for? They don't! After I more than firmly told the same woman, NEVER CALL ME AGAIN, I blocked their number from my phone. 

They lied. They harassed me. They put the report on my XXXX after they promised they had " no interest '' in doing so, AFTER they got their money. Plus, they never explained there would be a currency exchange cost. Ever. {$7.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: AZ

Complaint narrative:
I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
My credit report showed one 30 days late payment. I disputed this because I wasn't sure if this was accurate. I tried a Goodwill letter and even tried talking to a rep at BMW financial and he told me they have to report accurate information to the CRA. I asked for poof and never received anything. My account is paid off so I no longer have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent debt validation letter. Company did not send sufficient validation information that was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Numerous letters by myself to Navient, applications and office calls, over 20. Just recently i received a letter from them. I responded to the address they said to send all correspondences to on the front page. I sent a certified letter tooi thenand it was returned with a USPS stamp, they were not there. So I called the number listed.. disconnected. 
So an employee from Washington state attorney 's office, who I was working with, went to the address. The tenants had been there for 3 years! No Navient! He doubled checked the address and it was correct. Navient lied on the documents. So I wrote a another letter to a separate address asking for a working address and they will not respond.. but they have called distant relatives divulging personal info, and then hanging up on them. 
This happened about XX/XX/2018. 
They are unethical and now I see why they are in trouble with the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: GA

Complaint narrative:
Equifax has continuously violated my Fair Credit Reporting rights by not reporting accurate information on my credit reports. I filed a notice on XX/XX/XXXX. I requested that Equifax investigate and send copies of my files that they have concerning this account. 

Equifax responded that they researched the account but did not investigate my claims as the law demands 15 U.S.C 1681. I have requested over 10 investigations concerning this account and Equifax does not investigate the file but they delete payment history information or they delete information from the file or employees at Equifax will leave it empty. This is not right. 

I have enclosed a copy of the most recent letter I received from Equifax. You clearly see they have erased the payments history and it is not in order, the information is not complete, its missing information, and the dates don't add up. I have continued to complain that the last payment date was XX/XX/XXXX and they erased all the payments. 

I would like Equifax to delete this account if they can not provide me a copy of all documents/ records related to this account according to FCRA 15 U.S.C 1681g. Equifax is damaging my ability to obtain credit because of the false information they are placing on my report from their offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Greetings, I have had a Wells Fargo credit card since XX/XX/XXXX. I have never missed a payment. When I opened this account my interest was a little less than 15 %. Now it is 19.8 %!!!! 

I just found this out because my interest charge keeps going up even though I am paying the principle down and started making inquiries. 

During my last couple years in college, I did escalate the principle. In XX/XX/XXXX, I went to the XXXX, Colorado Wells Fargo bank seeking to refinance. I was told then that my interests rate on the card was around 15 %. Based on this I decided not to refinance. However, in my recent conversation with a Wells Fargo executive, they said my interest rates have always been nearly 20 % since XX/XX/XXXX!!!!! They claimed the bank in XXXX, must have looked a wrong information. That does not pass the smell test. I have no idea how long I have been being ripped off by Wells Fargo. 

I make two payments even month when I get paid, so I am always two weeks ahead of the due date, which is at the endow the month. However, their computer and data entry is not keeping up with my payment history, often showing I owe a payment even though I have already met my monthly obligation well in advance. 

Also, I used the card back in XX/XX/XXXX for {$700.00} for tires, but turned around and paid {$800.00} to the card, seven days later, but was still charged interest on the tires! 

I believe I have been outrageously overcharged in interest fees and how they are accruing my monthly averages. 

Please help. I am a working person - 7 days a week. I don't have money for an attorney.

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