vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Hi : I have leased two XXXX  from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment '' again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Commonwealth Financial Debt Collection, reported the same account to XXXX  Credit Reporting Agency, then sold this account, in the amount of {$1300.00}, to another debt collection company, XXXX XXXX XXXX for {$1300.00} on or about the periods of, XXXX - XX/XX/2018. See uploaded documents. 

Both companies are reporting information from same the original creditor. 


Upon, notifying XXXX of the same account is being reported twice by two different collection agencies, XXXX refused to investigate and remove the Commonwealth Financial Debt Collection entry for {$1300.00}, which was recently sold to XXXX XXXX XXXX. 

XXXX needs to remove the Commonwealth Finacial reporting, it is suspected to be out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have an issue with the way USAA applied my {$760.00} in payments on my account. I have a promotional balance on my account which dates back to XX/XX/XXXX. Since then USAA has been applying my payments arbitrarily mostly to the promotional balance and not paying off my purchases balance. I really hadn't paid any attention to it until this recent statement. I used their card while traveling abroad. The minimum payment had been met on the card in XXXX. However, once I got home, I paid 2 payments one for {$200.00} and the second payment in the amount of {$560.00}. The total purchases made during the XXXX statement were {$830.00}. To my surprise on my XXXX statement, I was charged interest on {$690.00} in purchases. Of the {$740.00} USAA applied {$590.00} to my 0 % promotional balance and {$160.00} to my purchases with a 17 % interest rate. As I looked back through my statements this has been an ongoing trend. I would pay over {$100.00} a month and instead of paying off the small balance of {$13.00} for XXXX. They would apply the bulk of it to the promotional balance and leave a small purchase fee to charge me interest on. 

On the XXXX statement that 0 % promotional balance was {$4900.00} ; The XXXX statement my promotional balance is {$4300.00}. After calling a couple of times and receiving the run around I decided to file an compliant. According to the Credit Card Accountability and Disclosure act passed in XXXX ; after the minimum payment is met the creditor must apply payments to the balances with the highest APR 's. I was told there was nothing a rep /manager could do to adjust or fix this error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
Hello, I am not usually someone who likes to complain or file complaints but I felt compelled in this situation because of the circumstances and the situation that I now find myself in. I am writing about a paid collection account with NCC Business Services. I paid this collection as soon as it was brought to my attention. This account is stemming from an old apartment that I had a balance with. I had no idea that I had a balance with them. I sent them the last payment and thought that the any monies owed were taken care of. As soon as it was brought to my attention I took care of this account and I thought that the matter was resolved. My credit score has dropped about 90 points as a result of this paid collection reporting on my credit report. Prior to this, I had no idea and I didnt receive any notification, written or verbal that I can recall in regards to this account. I cant help but feel a little cheated here because I am now trying to purchase a home for my elderly mother who is XXXX   and XXXX  and whos medical needs require her to live in close proximity to her medical providers office. I dont know why this systems works in a way where you are still punished for taking care of any obligations let alone obligations that you had no prior knowledge or awareness of. Seeing my mothers health decline has taken on a very heavy toll on me and Im beyond frustrated that Im unable to give her a qualify of care and comfort that she deserves due to one paid collection account that will not be deleted from my credit report. 

I ask that someone please assist me by putting in a request to remove this account. I hope someone can find it in their hearts to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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 — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I did a balance transfer for {$1400.00}, however ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient. 

Yesterday, I received a letter ( attached ), dated XX/XX/2018, saying that " After careful investigation, we have determined that you are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. '' Checked my account today and no credit is issued. I called today and was told that because they re-issued the dispute that it could take another 90 days, before things are resolved, despite them acknowledging that THEY made a mistake in a letter. 

NOTE : I was told by a CFPB to refile this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I sent a letter to Equifax and XXXX  notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. Equifax received the letter on XX/XX/2018 and XXXX  received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 Equifax and XXXX have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2018 I went to PNC bank Branch in XXXX, GA where i do most my banking to make an international wire transfer to XXXX for the amount of {$12000.00}. 
On XX/XX/2018 I saw a suspicious deposit in my account for {$11000.00}. Couple of days after that i went to the bank and shared my concerned about the Transaction.In my disbelief I was told the transaction is reversed International wire in my account from XXXX. So when i questioned the the dollar amount being {$830.00} less than original {$12000.00} I was told that the bank has to do an internal investigation and they will notify with the outcome.After few days i went bank to the Bank and they said they have not done anything wrong and the XXXX bank is charging me a exchange rate and return fee. I demanded to talk to the branch manager but he referred me to Mr XXXX which happens to be the regional manager.After speaking to him on XXXX XX/XX/2018 .he assured me to find out what the fees were and see if he can find a solution to solve the problem.i was out of country till XXXX of XX/XX/2018. Went to the bank on XXXX and i was told that there is nothing can be done. I asked for the breakdown of the of the numbers on Reversed International wire back in my account but they could not come up with the copy of the breakdown. I am so upset with lack of consumer protection in a my case. 
I feel like the banks ripping public off without any accountability on their behalf. all i want is my money nothing more nothing less. 


XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was established with a rate reduction plan with navient private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted navient and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with navient and no help. I have disputed with the credit bureaus and nothing has changed. 
NAVIENT has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
The primary cardholder of my Capital One Cabelas Visa Credit Card was changed to my father who cosigned for me to get the card and I am not able to administer the account. 

I discovered this when I ran into an issue with my Capital One Cabelas Visa Credit Card where I am not able to login to or even create an account to the online portal where I would go to view my balance and pay my bill. I called customer service on XX/XX/2018 and was told then that I am not the primary card holder on this account. 

I am the primary cardholder, and I should be the only card holder on this account so this should not be an issue. After about an hour on hold with the customer service team at Capital One, I was told that an issue had happened where my father ( who was a cosigner on the account - not a joint cardholder ) was converted to the primary cardholder before Capital One took over the Cabelas Visa card. I was told that other users were experiencing this problem and that they would look into it. 

Capital One never attempted to contact me back, so on XX/XX/2018 I called them back. I was greeted again as the secondary card holder and transferred to a manager. The manager tried to tell me that they attempted to contact me and that my voicemail was full. This is a false claim as I have received several voicemail messages within the last few months. The manager also told me that they had completed their investigation of my account and that the account is how it was received when it came from XXXX  XXXX XXXX. I was then told that there was nothing that they could do to help me. 

I need to be reinstated as the primary cardholder and my father needs to be removed from the account. Unfortunately, Capital One is unable to help me fix these issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter to PlusFour Inc. as they showed on my credit report for {$450.00} and {$430.00}. They rejected my attempt to deliver the letter. I sent a follow up email regarding debt on XX/XX/XXXX. Still no verification of debt. I have never once received a statement or acknowledgement that this exists. Would like both trade lines deleted from my record immediately.

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 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My bank account is overdrawn currently my checking and savings accounts. It has been overdrawn since last Friday XX/XX/2018, I signed up for over draft protection only to find out that the bank has two separate overdrawn protection features I found this out today on XX/XX/2018, the first one is the debit card and the other one is the account.i have never herd of this and when I went into the bank that was never  explained to me at all, so I get hit with XXXX dollar fees all the time then to find, then I was told that even if I have over draft protection that if anything hits my account and the account is empty then I will still get hit with XXXX dollar fees. This bank doesn't work with it's customers especially those whom are poor and are on a budget, I can not close the account until I pay off what I owe them.they make a lot of money off of me since I have opened an account with them and I have been dissatisfied with them since becoming a member. I have bank with other Banks before and they offered some type of help and other ways to keep me financially sound but this Bank offers no leniency Little to no education as the how they run things and something needs to be done about this because every time I turn around there is a fee for everything doesn't my money matter? I may not have a lot of it but I have enough to keep me afloat, and if this bank is legally able to operate this way I need to see everything in writing that was they have not provided me with that all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 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: GA

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX and Experian notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. XXXX received the letter on XX/XX/2018and Experian received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 XXXX  and Experian have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.

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 2018-12-17 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
This is a complaint filed against Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After five years since my visit to XXXX, I've received notice of an unpaid ticket from the city of XXXX, XXXX. There are no dates, specific location or any information of the alleged offence. After doing some digging in the internet, I learned that this company tries to scam money out of people who travel overseas. It is therefore that I am filing this complaint against Cedars Business Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
BBVA is giving me the run around over closing a CD that recently matured. I have been on the phone for hours and all they do is keep transferring me. I have been told I would have to go to a branch and there are no branches in my state or any neighboring states. It was opened online. They are refusing to close my account at this point and it is over {$100000.00}. Please help, I am desperate for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter to Tek Collections. I received no information pertaining to this debt listed on my credit report. I have tried to email them and got no response. They have no verified I own this debt and I would it removed from my credit.

Company response to consumer: Closed with explanation