vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a call from XXXX on Sunday XX/XX/2019. I told them that Sundays were an inconvenient time and to not contact me on the weekend. By informing them of the inconvenience, the laws protecting consumers by the FDCPA should be enforced. Approximately 2 hours later they then called me back continuing to attempt to collect a debt even after they were told Sunday constituted an inconvenient time. They ended up calling a total of 3 times, the first went unanswered but no voicemail was left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: IL

Complaint narrative:
I was denied credit by XXXX XXXX. They sent me a letter saying why they denied it and listed Equifax as a source for their denial. On XX/XX/2019, I attempted to obtain my credit report from Equifax online. The website said they were closed and to try again later. On XX/XX/2019, I attempted to access it via their website again and the website told me that online delivery was unavailable. I next tried calling the XXXX number they gave to me. That number referred me back to the website or to obtain it via US Mail -- which is unacceptable for me as I need to see what derogatory info was in the report so I can continue to try to buy a car ahead of winter. I went back to the website and tried the online chat. I informed a rep named XXXX that I needed to speak to a live operator as I had a problem that the website did not address. She then gave me a number that was just like the number on the website that didn't have a live person. Since I had called that number I told her that there was not a live person at that number and then she gave me another number and said I could reach a live person on that number. I then asked her why she didn't give me that number in the first place. I mean, does Equifax really think that people who live in poor, communities of color are stupid in addition to being poor? I then asked for a supervisor and a rep named XXXX was put on the line. She gave me the website number also and then finally gave the live number -- all in all, this was the runaround from Equifax and a waste of my time. They said they worked for Equifax but they didn't seem familiar with my rights under the FCRA. After I finish with the two people on the chat support from Equifax, some person named XXXX calls me back and says she's from Equifax and proceeds to try to verify my account info which I give in good faith. Although she was asking for odd information like when I put freezes in place, etc. Basically, it was information that one does not normally keep for later use. Finally, she asks me when I last got a credit report and, not remembering when ( since it was also a problem and I had to make a formal complaint to the CFPB as well ) I said XXXX of 2019, this XXXX person then informed that since I had already received a free report this year Equifax would not send me a free one again. I then inquired if she was familiar with the laws of the United States of America and she seemed not to care. I then realized I was getting nowhere and I finally hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is a follow up to my original complaint submitted on XX/XX/19. Since then, BOA has had one of their reps reach out to me, XXXX, from the 'Regulatory Complaints Department ', and unfortunately, I have been caught up in a game of phone tag with XXXX. According to XXXX, she needs to speak with me directly before she can investigate my claim. Given that I have already verified my identity with the BOA reps that I initially spoke with, I'm not sure why there is need to speak with me directly to conduct an investigation. Anyhow, in my original complaint I didn't submit my supporting docs because the upload portal wasn't working. Thus, I have attached the bonus reward offer that Bank of America claims does/did not exist. Maybe this can help them expedite their investigation.

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 2019-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: NV

Complaint narrative:
I asked the company to stop calling my work phone number and my work does not allow private call. They continue to call my work. 

I am not sure of a resolution because I question the legitimacy of the debt. The debt collector informed me that they were not going to call again because I couldn't make a payment yet they keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: ID Analytics, Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I applied for XXXX vehicle loan, Sage Stream has sent me a denial letter after applying for a vehicle loan based on length of residence too short ( lived there since XX/XX/XXXX ), limited history for consumer at this phone ( 12 YEARS! ) too few active accounts 5 Active CCs. This is inaccurately reporting facts about my history. When XXXX this company SCAM ALERTS pop up all over the place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
This complaint is about SunTrust not wanting ti have as business relationship with me no longer which is fine, This is about SunTrust closing my accounts and then them placing a freeze on all of my account to where I can not have access to any money. 

The type of problem that I am having with SunTrust is that time hey have placed a freeze on, all of my bank accounts to where all of my money is in the SunTrust account and now I can not pay my bills and I'm going to loose my lively hood due to this bank illegally placing a freeze on my accounts. 

I have these individual or a corporation that's have been hacking into all of jy accounts my XXXX XXXX devices and all of my XXXX   machines these people will not leave me alone. So I'm to believe that this is them placing these charges on my account due to that I have Benn through 2 other backing institutions prior to me being with SunTrust but neither of the last 2 banking instituions did not place a freeze on none of those accounts. In which I'm to believe or I'm to know that this is illegal for them to do to me considering I have done nothing wrong? 

The companies complaint about me was that they will not tell me to why they have poached ed this freeze on my account nor will they tell me why they closed my accounts all they tell me is to read " there ' '' rules and regulations. I said what about our government rules and regulations. Theres over proceeds our government rules and regulations I'm under the assumption? They also have not sent me one single document stating anything about what is going with my banking institution with them nor the freeze on my account I had to find all this out by with me calling them??? 

The people that are involved ion to know that there is a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX now? Due to these people compromising my life for the past 900 days and SunTrust of course as well in which they have denied all of my charge backs in which I DID NOTY CHARGE ANY OF THESE CHARGE BACKS ON MY BANK ACCOUNT. So now I'm the one being penalized from other 's doing to me what I would never wish done to None other???? 

I would greatly appreciate a answer ASAP due to that this is mine and my families lively hoods on the steak here. Please get back to me ASAP!! 

Sincerely XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2019 I made a purchase for {$100.00} at a Macys store. I rarely use this account and with some unfortunate life events I forgot I had made this purchase. I never received a bill via email or in the mail. In XX/XX/2019 my Mother received a letter her address stating that I now owed {$250.00} to Macys. She stated to me that this arrived and that nothing had ever came to her house for me prior. I have not lived at that address in approx 5-6 years. I immediately called the Macys credit card to find out what was going on and they advised me that I made the purchase of {$100.00} and that the {$150.00} was for late fees. They asked me what my address was and I they had the incorrect address on file which they updated that day. Also, I paid the {$100.00} balance that I owed that day. They advised me to send in a letter disputing the fees and to correct my credit report back XXXX reflecting that it was not past due. I did all of this and within a week they denied the dispute saying there was never returned mail. Howeve3r, mail can not be returned if it is never received. Also, for the months of XXXX a phone call to me stating that the bill was past due was also never even made to me. 

I have already paid the {$100.00}, I am asking Macys to simply restore my credit back to reflecting a positive paying history since XXXX & to waive the $ XXXX in late fees. They refuse to help me at all. They have also closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Over the last few years I have contacted Capital One regarding 2 credit card I have with them that carry an annual fee. When I initially opened the cards I was working on improving my credit score and had no other options. It has been quite some time since then and I have continually asked my accounts be reviewed and the annual fee removed since they offer these cards with no fees. Each year I have to fight with them to remove the fee, yet they conveniently forget to remove the annual fee, so each year I am charged for it. This is honestly ridiculous. I have kept the accounts open since they have my longest credit history and closing them would ruin my average age. I would appreciate a serious inquiry into this as I should not have to keep calling every year to have the fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
Caine & Weiner # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX veteran that was just affected by Hurricane Dorian under a mandatory evacuation. 

I am trying to save my home from foreclosure and sent in a 75 page loss mitigation workout package After I sent it they said there was a foreclosure sale date for XX/XX/19 and they would not review me because they didn't receive my application until XX/XX/19 just under the 37 day time frame they claim is required before a sale date I sent it by fax on XX/XX/19 but they took 2 days to process it and I should not be penalized for their delay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TX

Complaint narrative:
inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX {$2300.00} -FTC violation XXXX  XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX card on XX/XX/XXXX {$21000.00} - FTC violation XXXX cXXXX XXXX on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: TX

Complaint narrative:
inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation B of A/FIA card services on XX/XX/XXXX {$2300.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX  on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} - FTC violation XXXX XXXX XXXX on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.

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 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Leasing agreement with Chrysler Capital of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly. 
All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account. 

When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: SCA Collections, Inc.
State: CA

Complaint narrative:
Debt Collector : SCA XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Creditor : XXXX XXXX XXXX XXXX # : XXXX {$200.00} Client # : XXXX Debt was incurred on or about XX/XX/XXXX, for one component of a XXXX diagnostic procedure. Out of all the individual parts of the procedure, we paid the XXXX and the hospital, but somehow did not pay - or did not know we had to pay - the XXXX XXXX. This debt went into collection with SCA collection for {$200.00}. 

During the time period of XXXX XXXX XXXX, we were XXXX overseas to XXXX as an XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX Base. We were careful to maintain all US phone numbers, email addresses, and set up mail forwarding. 

SCA Collections attempted to contact us one single time around early XXXX, via mail ( to a mailing address that was last used in XX/XX/XXXX and for which the US Postal Service no longer forwarded mail. No further attempts were made to contact us, via phone, email, or to our new address - although not confirmed, it is the practice of the US Postal Service to return these unsent pieces of mail. I suspect SCA received the returned mail. 

Instead of making any further attempts to contact us, SCA reported this to the credit bureaus. 

This is a violation of 15 USC 1692 Ch 808 as making a debt report to the credit bureaus with no reasonable attempt to contact the debtor is a violation. This is especially egregious considering the report was made due to overseas 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 2019-09-09 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: KS

Complaint narrative:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: KS

Complaint narrative:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

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 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, my checking account ending in XXXX was overdrawn by {$500.00} including 4 overdraft fees of {$35.00} each for the debit transactions of {$150.00}, {$21.00}, {$89.00}, and {$100.00} from XXXX. Because of these fees, I was not able to make deposits to cover the debit balance in full for the next two months resulting in closure of my account because I live paycheck to paycheck. I had to suffer a lot mentally due to this action on the part of the Wells Fargo Bank, because not only was I not able to get my paycheck on time from the employer, but also I had to pay extra fees to other third-party merchants for check-cashing services. I would, therefore, ask the Bank to refund my overdraft fees at the very minimum to compensate for my hard earned lost money.

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 2019-09-09 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: Pendrick Capital Partners Holding, LLC
State: KS

Complaint narrative:
Pendrick Capital Partners # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with explanation