vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I  XXXX   XXXX   XXXX  an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for  XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of  Ally  's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had  XXXX  and had to get  XXXX  for it and fell behind on his payments because of this. I advised the agents that I go back to work  X/XX/2017    and will be able to make a payment on  X/XX/17   . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the  XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for  Ally  bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.

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 2017-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
Upon recently checking my credit reports I noticed a medical collection by  RevSolve  for the amount of {$650.00}. I immediately contacted original creditor and was informed that the original debt in question was for treatment for my daughter however her insurance covered the debt. I then disputed with credit bureau to have Revsolve remove the debt, however,  Revsolve  allegedly " verified '' the debt. I then called   XXXX  Hospital  in regards to the collection activities and was notified that the debt has been paid and request has been submitted to Revsolve for removal of the account. I then filed a complaint with the    Better Business Bureau  as the company has not removed the collection. Revsolve rep responded with a request for an indefinite  HIPAA  disclosure  ( Release of Information ) to  be signed by me. I refused the request stating that I would not authorize the disclosure of information I never authorized them to possess in the first place. They did n't request my authorization when they reported to the credit bureaus either. However,  Revsolve  has not responded and the account is still on my credit report as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
Ability Recovery Se rvices is reporting accounts on my credit report that do not belong to me. After checking my credit reports I noticed several invalid accounts being reported. I immediate disputed the accounts.  XXXX  fraudulent accounts reported by Ability were removed however they continue to report on another account. I filed a complaint with the Better Business Bureau and they responded requesting i submit a document confirming my identity. I submitted the document but company has not responded. They are continuing to report this erroneous account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My TransUnion credit bureau was pulled by  XXXX  on   XXXX    . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2017-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On   XXXX   XXXX   , 2017, I at tempted to pay o ff one of my two cons olidated loans serviced by  Navient. Navient  's web site makes it impossible to designate my payment to  one of m  y two lo ans. It automatically selects a loan and I want to pay off the other  one.  As a result, I have to mail my payment. Mailing increases the interest I will have to pay to  Navient  because I can not pay it off immediately and Navient will charge me interest during the delay. In addition, it is nearly impossible to obtain information on their web site regarding pay off methods. Indeed, there is no option in the payment section to pay off a loan. It is clear that they want to make it very difficult to pay off a loan early in order to discourage pay offs.  <P/> This is the second issue I have had with Navient - several years ago they changed my payment amount, which would have extended my repayment duration, without authorization or notice - until the new payment amount was deducted automatically.  <P/>  Navient  is not borrower-friendly and this is a detriment because these are student loans, which are effectively required to attend college or graduate school and lenders and servicers can not be chosen as they can for mortgage or other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My  XXXX  credit bureau was pulled by  XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My  XXXX  credit bureau was pulled by  XXXX / XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2017-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a credit account with  XXXX   XXXX   XXXX  ( Comenity Capital Bank ) that required payment in full by   XXXX   XXXX    2017 to avoid pa ying accrued interest charges.  <P/> I mail ed (  USPS  1st class ) fu ll payment on   XXXX   XXXX  , 2 017   . This payment was not posted to my account until   XXXX   XXXX   , 20  17, thus incurring {$290.00} in interest & fees. I have subsequently   received a bill for an additional {$7.00} in interest. Bringing the total to {$290.00}.  <P/> On   XXXX   XXXX   , 2017  , I s ent a letter disputing these charges to Comenity Capital Bank and have not received any type of response.  <P/> I strongly believe that I have been treated unfairly, as my payment in full was surely received by the due date ( and the inexplicable lag  on 28-days be tween mailing and payment posting dates ).  <P/> In hind sight, I would have send this payment with some sort of tracking, but even at age  XXXX , I still hold the belief that people and the businesses that they operate do the right thing.  <P/> Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03 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: MCMC Auto LTD
State: TX

Complaint narrative:
I purchased a car fro m Mike Carlson Motor Company ( MCMC ) i n   XX/XX/XXXX   The loan for the car says 60 months. My credit report shows that the account with MCMC was closed and paid in full in  XX/XX/XXXX  This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named  XXXX . I asked who reports to the credit bureau and I was initially told by the general manager that  XXXX  does, but  MCMC  is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX  The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that MCMC does because they service my account and  XXXX  is just a lender. I have asked  MCMC  for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the  one  I was speaking to. I again asked for information on  XXXX  so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is  XXXX . MCMC has not reported to credit bureaus about my account since  XX/XX/XXXX . My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: ProCollect, Inc.
State: LA

Complaint narrative:
Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full in XX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted XXXX  and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX  has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.

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 2017-06-03 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: TX

Complaint narrative:
I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full inXX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On  XX/XX/XXXX  I reported fraudulent activity on my credit card in the amount of {$9800.00}. The dates of this activity were from  XX/XX/XXXX  to  XX/XX/XXXX . I also submitted a police report on this same date. The probable point of theft was from   XXXX   on  XXXX ,  XXXX , Illinois. Since my credit card was deemed " a bad read, '' I was directed to the ATM next to the service desk.  <P/> On  XX/XX/XXXX , I received two denied claims. I am very concerned that this is a beginning of continued denied claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has informed me that they plan to close one of my credit card accounts. This account has been inactive for quite sometime with a XXXX balance. They informed me when this card expires they will in fact close this account. The problem with this is when they do close this account this will cause a reduction in my FICO score, I 'm currently saving and planning to make a purchase of a new home. This FICO score drives the interest rate and my new payment amount. If chase should choose to close this account and my score decreases due to this it will cause a financial hardship to me and my family, costing me tens of thousands of dollars in a course of a 30 year note. This is assuming I can even get approved at that time due to this. I 'm bringing this up as many years back when the economy tanked I never missed any of my payments they decided to reduce my line of credits setting off a chain reaction of many of my accounts pulling back on my there line of credits too. This at time could have cost me my business however I was able to weather the storm and endure the added costs inflicted upon me and my family. I 'm attempting to be proactive this time with no plans to simply roll over on allowing the big banks to again damage me. It would be different if I was bad paying consumer however I have literally 20 plus years of perfect credit When I say perfect credit what I mean is never miss a payment never not fulfill a commitment. This is what used to count not inquires, closed or open accounts or age of those accounts.This FICO score is driven off many factors and when a bank decides to hurt me for doing nothing wrong it is not fair to the consumer. If I were to harm them by not paying them I would end up in court. The same should apply to them as they should be held to a higher standard. This information is in regards to account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: TX

Complaint narrative:
On  XXXX / XXXX / XXXX , I submitted a request to Equifax requesting the method of verification for  XXXX   XXXX  Account  XXXX . Equifax has reported now  XXXX  times that this account has been verified. As it is in my rights to request for them to provide me with the method in which they verified this account. In addition, this account had been reported on my credit profile in multiple manners and has changed multiple times. I am thoroughly confused as to how an account that shows opened in  XXXX  with a company in bankruptcy. My request to Equifax again was to provide me with the method of verification not for them to re-investigate as their documentation shows

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
At  XXXX  in the morning, Saturday,  XXXX   XXXX , I received a call that went straight to voicemail. I checked my voicemail and I get an automated message telling me that it 's regarding my Synchrony credit card account ( for  XXXX .  XXXX   ). I  did miss a payment but one payment does not mean that they should send me emails, which they did on Friday,  XXXX   XXXX , then call m e ( twice thus far ) to let me know that I need to make a payment. Synchrony bank is notorious for bombarding their customers with phone calls the moment they do n't receive a payment the day that it is due. If they will employee such tactics, then I have the right to report them just the same. Most credit companies give you a grace period if missed one payment after not missing any. I have not missed a payment with this company so they should n't jump the gun by pestering me with phone calls just because I forgot to set up a payment with them. It 's not necessary. It will get paid. They do n't need to bother me about it. On top of that, they raised the minimum due. This is how people get into debt. Again this company is notorious for making their customers pay the price for missing only one payment. They need to be investigat e.

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