vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On Monday, XXXX XXXX, 2021, I filled out on-line information with Experian to have my credit information unlocked permanently. I received an email later from Experian stating that my information was unlocked and information on how to lock it again in the future. I am trying to obtain a mortgage loan and they have been unable to obtain my credit information from Experian. They have obtained this information easily from XXXX and the other one. I have tried redoing the online form, contacting Experian by email and so many phone calls that only refer me back to the internet. Tomorrow I am going into the mortgage office with my laptop to see if they can help since obtaining any help from Experian is a waste of time.

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
For months, Comenity Bank has non stopped calling me. Comenity Bank has called 5 times on XXXX XXXX, 2021. I have told them by email I'm aware of my debt, and to not put me on the do not call list. Today, the XXXX of XXXX, Comenity Bank has called again despite me stating I dl not want to be called anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
i paid this vehicle off and I've called and left message messages for XXXX and we paid this vehicle off in XXXX 2020 and it was a big issue prior to this and I just want my title please. 

on XX/XX/XXXX they signed for the title to have it signed because dmv stated they didn't sign it. They received it on XX/XX/XXXX and it just needed to get signed. I've called several times asking for the title and I'm told it's being worked on. 
How long does it take to sign a title and send it back.

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 2021-01-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a collection on my report and I have taken the correct measures to dispute the item but it still remains on my report. I initially disputed a debt with XXXX  ( XXXX XXXX XXXX ) back in XXXX and have proof they received my letter on XXXX XXXX, 2020. I waited 60 days before sending a follow up letter on XXXX XXXX, 2020. The address provided by the debt collector on my credit report however is incorrect. The letter was forwarded to the correct address. This inaccurate information has really hindered my ability to dispute this item. Also the balance and status is incorrect. The original debt was only {$360.00} not {$3600.00} and has since been paid to the original creditor. I am asking that this incorrect information please be removed from my report.

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 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
On XXXX XXXX 2021, I got a credit alert that a company called Amsher Collection Services reported a collections account to the credit bureaus. I was concerned because I had never heard of Amsher, nor done any business with them, nor had any contact with them. I immediately filed a dispute with XXXX  to have this unknown account removed, and sent correspondence to Amsher through their website, via e-mail, and through postal mail requesting validation of the debt and an explanation of why I was not notified of it before reporting to the credit agencies. 

Amsher has yet to acknowledge my correspondence. 

They also violated the Fair Credit Reporting Act 623 ( 7 ) ( a ) by never giving me any notice of this debt, or of the furnishing of negative information before reporting it. 

This is a blatant attempt to use the filing of negative credit information as a bully tactic to get me to pay a debt that has not been validated, has not been verified, and that I had no prior knowledge of existence before it's appearance on my credit report. It's a shameful practice and should be punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
I made an online purchase to XXXX 's in the amount of {$24.00} on XX/XX/XXXX. Anytime I make an online purchase, I use my Paypal account and use my PayPal credit card to make the purchase. I triple confirmed that is the account I used to make the purchase and it was. Today, XX/XX/XXXX, I look at my bank account and see I am overdrawn almost {$43.00} due to PayPal putting the purchase through my bank account and the bank charging me {$30.00} for a NSF fee. I never authorized that. I triple checked the funds available on my credit card to make sure I had the funds to cover the purchase and I did. This is the second time this month it has happened. I was looking at my transactions on my PayPal account and discovered the authorization on the XXXX was Cancelled! I contacted the credit card company and they informed me, and assured me, it was either PayPal or the merchant that cancelled it, not the card company. I have contacted Paypal and they put the blame on me that I have my settings as prefer my bank account. I do IF i do not have the funds to cover a transaction. There was no reason for the transaction to go through my bank. If I wanted that, I would have chosen my bank instead. I did not have the funds to put it through my bank hence I used my credit card. They are not helping me at all. They are still placing the blame on me and how I have my settings. This is not how you treat customers during a pandemic when they have no funds coming in and are trying to survive on the little money they do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
40+ years ago, i was a member of Navy Federal Credit Union . somewhere between 30-35 years ago i filed for bankruptcy and NFCU was one of the debtors i claimed. Fast forward to 2021. I have rejoined Navy Federal Credit Union, paid my {$5.00}, sent in all documents required to rejoin. I rejoined because of their low interest rates. Two weeks ago i applied for a NFCU credit card on line and was denied. ( i have a credit score of XXXX ). Yesterday i received a letter saying i was denied because " you created a loss to Navy Federal Credit Union '' ( the amount they lost was less than {$400.00} if i recall ). I called NFCU and talked to a rep and ask why i was being denied a credit card on a 30+ year old bankruptcy. Her reply was, well you can write us a letter and appeal our decision, but i doubt that you will win. 
How can they hold that against me after 30+ years?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
Loanpal has been dragging out my refinance loan for almost six months, promising me each month that they were close to closing it. Also, advising me that technically, a mortgage isn't late until after 30 days, therefore ; I could potentially wait until the very last day to pay it, just in case I would get lucky and they would close my refinance. I filed a XXXX  report because oftentimes I couldn't even get a hold of anyone to know what was going on. There was an extreme lack of urgency and communication, constant rewriting of loan terms, rate lock extensions and perhaps worst of all ; I was told verbatim that my loan officer had " gone up to bat '' for me and got me an interest rate of 2.375. What the coordinator failed tobdisclose to me was the impact that over 2 % in origination points would have on a refinance loan. After asking around with a loan officer friend and HUD I was informed that I was paying for the rate with over {$7000.00} dollars that would take me 9.5 years to pay off. Therefore, I was not being supported and protected, quiet the contrary. Furthermore, on a {$280000.00} loan with a CHFA silent second of a little over XXXX, I was being charged a total of {$18000.00} in closing costs bringing our refinance cost to a grand total of {$310000.00}. Along with a 2.375 interest rate that would bring our mortgage payment from {$1800.00} with a 5.25 % interest rate to a whopping {$1700.00} payment with a 2.375? Loanpal did reach out to me following the XXXX  report offering me a {$500.00} check to remove the complaint. Unfortunately, laymen like me wouldn't understand loan jargon, so the law regarding disclosures still isn't exactly helpful. Origination points are essentially money in their pockets. I am anticipating a situation where I may be charged fees for backing out. I would also like to say that, XXXX  XXXX, the third party verification company for Loanpal ran hard inquiries on my credit four times. Three of which I did not agree to. Furthermore, they repeatedly reached out to XXXX  to inquire about my mortgage payment amount and silent second amount when it should have only been necessary once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
My husband got medical service from XXXX XXXX in 2019 and when we received the bill from them we saw that they never ran our secondary insurance, only our primary insurance. I called the hospital on 2 different occasions and provided them with our secondary insurance. We were then sent to collections for the original amount of {$2000.00}. I spoke with the collections company multiple times who filed a dispute with the hospital and we still have not gotten a resolution. They can not legally collect this amount because they never ran our secondary insurance, which they acknowledge to be the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I previously contacted Citibank multiple times to address this issue, they have failed to comply with my request. This is my last attempt to try and resolve this issue before taking legal action. Please find all required documents attached.

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX to get tested for XXXX. The hospital had a tent outside their emergency entrance where patients can come in to get tested. After I filled out my information such as name, address, social security number, I was visited by a female doctor who tested me with a swab in my nose. She said within 2-3 days I will get the results by a call from the hospital. 
After waiting for 4 days and not getting any calls, I went to the same location to ask about my results. The security guard said the only way I can get the results is by calling the hospital and he provided me with the phone number. I called at least 5 times and either the male receptionist would ask me to hold which I did for almost 15 minutes or I would get disconnected. So I never got my test result and I gave up. 
Few weeks ago and today, XX/XX/21, I received a call from phone number XXXX XXXX XXXX which is a collection agency telling me that I owe the XXXX XXXX {$180.00} for the test. I told the lady that they didn't even provide me with the results. She said she will note the file. This happened on the first call. Today 's call was automated asking me to pay the {$180.00}. 
Finally, even though I provided the hospital my correct home address, they had sent the bill to my previous address which is at my sister 's. She called me saying I had a bill from the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
As of XX/XX/XXXX, I was reported by LVNV FUNDING LLC. As a debtor of a fraudulent debt that was opened using my partial personal information, inXX/XX/XXXX I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Secured Credit Card through Capital One to which I know I am able to be approved for. I made an honest mistake of uploading the incorrect bank statement to them, a statement showing XXXX balance, and they immediately declined me. Once I called back they refused to accept the correct documents, telling me I would have to reapply and receive another hard inquiry on my credit in a window of 10 days. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were approved for Capital One XXXX  card which was activated XX/XX/XXXX with a {$20000.00} credit limit. Each month since that date, we paid off the entire amount of the bill which varied from {$1100.00} for a month up to {$4000.00} another month ( new windows for our house ). We never had an outstanding balance until the XX/XX/XXXX bill was not received by us. After calling Capital One on XX/XX/XXXX and being advised the bill was {$1500.00}, I promptly paid the entire bill and sent it via XXXX. They unfortunately received it late and posted it XX/XX/XXXX. ( Our only late payment because we didn't receive the bill XXXX XXXX XX/XX/XXXX, I called Capital One to advise them that my husband died XX/XX/XXXX. I thought this was the right thing to do, however, on XX/XX/XXXX, the Estates department of Capital One sent me a letter stating the account is now closed and the card could no longer be used. I have been the principal user of this card and paid the entire balance faithfully for over two years. But just because this card was issued with HIS name as the main creditor, they have cut off his widow from this benefit. We both had a card with our own names on them, but now I am denied credit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Federal Credit Union switched me to a Premium checking account which has a $ XXXX monthly fee. They did this without my consent and never sent me any paperwork. I first heard about it on their XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020 SANTANDER CONSUMER USA ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
Sequium calls my work number several times a week and leaves no voicemail. Phone number is XXXX. Research shows they are a debt collector from XXXX, GA and collect for XXXX, XXXX, XXXX, etc. I have no unresolved or past due debts with them or anyone else. They have a plethora of complaints about them out there on several different platforms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.

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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
After completing an assumption with Bank of America, the bank has not provided me with any documentation stating that the assumption was approved. In addition, they have removed my online access to the account. I now have don't have access to view my account online, make payments online, or view how the payments are being distributed ( escrow, taxes, principles ). I have called Bank of America several times regarding this issue and they have not been able to explain why I've been blocked for viewing my account online. Some of the representatives have implied that I because of the assumption I will never again have access to the account online. This seems strange, is 2021 and bank of america is stating i will not be able to make payments online or view the account online. Furthermore, they have not mailed me any information regarding my mortgage or making payments. I feel Bank of America is threatening me with taking my house away and possibly foreclosing with no reason ( My mortgage is current and I've made payments on time for over five years ).

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