vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
I receive more than 3 calls texts messages and emails everyday. They know I am having trouble with my employers banks check clearing. They transferred banks and my bank will not release the funds until the check has cleared the other bank do to the holidays, that is taking extra days unfortunately. I am 1,000 away from home on an emergency family trip and I am getting harassing phone calls telling me know matter where I am that my phone will always work and I am to take there phone calls NO matter what the circumstance or respond to their text messages even if I do not receive them. I am told I need to resolve the problem immediately to Secure my loan. I am only 30 days behind and if they give me to XXXX XXXX which is 3 days I will make the payment. These calls texts and messages have been ongoing for almost a month now. Every time I get a new loan counselor or supervisor there is never anyone the same. They are ruse threatening and unprofessional for a debt collection business they use terms and words to scare you into doing what they want not what you can do and provide a solution for the problem. Wishing me Good luck at the end of a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no  judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXX XXXX dated XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and AMERICAN EXPRESS dated XXXX/XXXX/XXXX, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
This involves a car loan ( XXXX ). The first issue I have is that the credit union was misleading in omitting to inform me of fees associated with the payment of the loan. In this case, now that I paid off the loan is when I learned there is " {$35.00} '' fee for the credit union recording a lien with WI 's DMV. 

Second, I have been in contact with the credit union since XXXX.17 about my issues and have requested several times proof that the credit union paid this fee and that the matter be escalated to someone with authority to dig deeper into my request. So far, nothing. They claim the paid it, but that there is no invoice/documentation for it. What if the fee was actually {$5.00}? {$0.00}?

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 2017-11-29 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: FL

Complaint narrative:
I sent dispute letters to Transunion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX certified mail. I have not heard from them. I have not received any of the documents I have requested to verify the information that is on my credit report. There are a number of inaccuracies that are on there. The same dispute letter was sent to XXXX  and all accounts that were disputed were removed.

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 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I discovered that my Chase checking account had been hacked and the hacking had been going on since late XX/XX/XXXX. Copies of all my statements showing the hacking are attached, along with my letter to Chase. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous XXXX accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and Chase refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number given to me by a XXXX employee as I have been too upset to total them myself. 

I caution all my friends to check their statements, especially the Electronic Withdrawals section carefully so this does n't happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NJ

Complaint narrative:
mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

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 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.

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 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery refused to send documentation of original debt : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal and XXXX have a service when you purchase an item called " Pay After Delivery " service which allows an ebay buyer to purchase an item and pay for 14 days after the sale. This was offered to me on XX/XX/XXXX with an agreed payment date of XX/XX/XXXX. However, sometime between XX/XX/XXXX and XX/XX/XXXX Paypal said they discontinued this feature and my payment was presented to the bank immediately. This caused my checking account to be overdrawn by {$32.00} on XX/XX/XXXX and {$32.00} additional dollars for a re-attempt on XX/XX/XXXX. I spoke to Paypal about this three times to resolve this matter. I was advised that this feature can be removed at anytime without notice, the feature is only allowed on one checking account and I had had this on two accounts for over three years, and there is nothing they are going to do. As of this filing, XX/XX/XXXX, it appears this feature is still active on both of my accounts. I have reviewed my account to make sure this is so. Also, I currently have two other purchases using the Pay After delivery feature. I would not have made this first purchase if I had known that they were not going to honor this agreement, I would not have made this purchase. I incurred {$64.00} in fee 's that I could have avoided. Anything you can do to help, would be appreciated. Please advise others of this bait and switch tactic. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was divorced in XXXX 2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, XXXX ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with Experian to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.

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 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies
State: CO

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from the dealership XXXX XXXX XXXX XXXX XXXX. I was told I only received financing from 1 company. I believed them since I knew I had credit issues and this was a new start fresh. I did not know at the time the company I received financing thru was owned by the dealership. If I had known I probably would not have gotten the car. When there is no disclosure of business relationships its hard as a consumer to make informed decisions. 
I was later been made aware that I received an offer from XXXX XXXX as well as XXXX XXXX but was never given the option of this other financing company. Since obtaining this loan I have been unable to trade it in because of a lawsuit with the car and the amker and the value has since been cut in half of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an account with XXXX XXXX XXXX that was supposed to be removed. It was removed from my XXXX and XXXX credit report but not my equifax. And according to equifax it was being removed due to inaccurate information. The file attached shows that it was removed on XX/XX/XXXX but it 's still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
After pulling all 3 of my credit reports, I have noticed a collection debt from RENTDEBT AUTOMATED COLLE. XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and the amount that is not mine. The amount reported is {$3800.00}, reported XX/XX/XXXX. I DO NOT have a contract with them and DO NOT owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed XX/XX/XXXX no judgments are to be reported on neither 2 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I requested that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M OUTRAGED THAT COLLECTION AGENCIES CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCURATE INFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a payment online for my American Express Blue Cash credit card for the total balance of {$310.00} from one of two bank accounts linked to the credit card account for payments. I incorrectly used one of the bank accounts, XXXX XXXX XXXX XXXX, that did not have sufficient funds instead of the correct bank account, XXXX XXXX XXXX XXXX, from which I 've been making payments to American Express for years, on time and well over the minimum due. When I realized the error, American Express had already tried two times to receive these funds from the XXXX XXXX XXXX XXXX account. As such, I received two {$30.00} fees for insufficient funds in the account from the bank. I immediately called American Express when I realized this error on Monday, XX/XX/XXXX. A representative understood my request and processed the payment of {$310.00} from the XXXX XXXX XXXX XXXX account. However, the next day, Tuesday, XX/XX/XXXX, American Express processed a third attempt to receive the funds from XXXX XXXX XXXX XXXX, for which I was charged a third time for insufficient funds. When I called American Express to address this third incorrect payment, they told me they would refund the returned payment fee that American Express charges but that they could not address the insufficient funds fee charged by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I requested a bill to be paid through bill pay that was to reach the vendor by XX/XX/XXXX in the amount of {$460.00}. The company deducted that money from my account but the vendor never received the check and no one has presented the check to cash. The check is floating in limbo somewhere, no one has cashed it, and yet the bill pay company has taken {$460.00} from my account. How is this legal? How is a bank allowed to take money from my account before a check is even presented for payment? 

In discussing this with the vendor, ( on XX/XX/XXXX ) I discovered that the bill pay company bundles checks to vendors in the same envelope and that the bill pay company often bundles his checks in with another business ( pool company ) that has a P.O. Box close to his. 

I find it outrageous that the bank/bill pay company can take my money without actually getting the check to the vendor. I called Charles Scwhab ( XX/XX/XXXX ) and they were able to confirm with their bill pay company that they do indeed bundle checks and that checks to the wrong vendor could be bundled together. 

But my main complaint is that the bill pay company used to send this vendor a draft check which was cashed when he received it. Out of nowhere and certainly without my approval, the bill pay company started using ACH online payments, and as discussed, deducting the payment when they assumed he would receive the check. That is a lot of float this institution is benefiting from at my expense.

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.

Company response to consumer: Closed with non-monetary relief