vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I 've opened a credit card with XXXX about a year and four months.. I had 0 % interest for the whole duration of about a year and four months.. I used my credit card at about 50-80 % limit because I was investing in my education.. and used credit as an advantage and have payed it off before interest has took effect ... I tried to apply for a credit card at Bank of America and it seems my credit score went down due to using my credit limit at a high rate ... I would like to be able to talk about this since I was responsible for paying off in full without the APR taking in effect.

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 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX/XXXX/XXXX. {$340.00} and i contacted the company on two occasions about the matter. my last contact was XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 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: Quick Bridge Funding, LLC
State: VA

Complaint narrative:
This loan was charged off and settled in XXXX of 2016. I requested that all information about this loan be removed as a condition of the settlement however it still appears. This loan company makes predatory loans on small/disadvantaged businesses with onerous terms and high interest. This loan was one of the factors that led to the failure of the associated business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX. Is sending me letter trying to collect {$6300.00} dollars that is owed on a lease. I could n't pay for they lease anymore so I took the car and dropped it off at the dealership I bought it from. Since then they have sold the car and are still trying to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This loan was charged off and settled in XXXX of 2016. I requested that all information about this loan be removed as a condition of the settlement however it still appears. This loan company makes predatory loans on small/disadvantaged businesses with onerous terms and high interest. This loan was one of the factors that led to the failure of the associated business.

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 2017-12-17 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
On my all three credit bureaus show inquiries of almost 50.

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 2017-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. 

I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. 

I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.

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 2017-12-17 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however Suntrust is still receiving regular payments from me so I should get something for that.

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 2017-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
To whom this may concern : In mid XXXX of XXXX, I contacted XXXX. XXXX about a closed account that was on my credit and I was unaware of this charge. I called to get as much information about this account such as what is the company, a signed contract, who were the people on the contract, when did the agreement occur, address and phone numbers listed on the account etc. They were very rude with giving me information and made comments like " How you do not know about this account being on your credit ... This is your account ... '' I had to nearly argue with the representative letting her know that I am a victim of identity theft and I never ever paid any attention to my credit until now and just had a child so I am trying to better my future by starting to work on my credit. The representative informed me that there was nothing they can do, due to the loan being bought by a collection agency by the name of MRS Associates but can send me the contract via mail and instructed me to fill out a fraud packet on their website ( in which I did ; no response back ). I contacted MRS Associates by mail on XXXX XXXX, however the mail was returned OPENED. So I did my research once again and look at their website. On XXXX XXXX, XXXX and XXXX XXXX, XXXX, I emailed MRS Associates ( XXXXXXXXXXXX ) asking for validation and not verification with signed contract. I have yet to received a response from both companies. As well, I have contacted the XXXX XXXX XXXX in XXXX, Texas where the perpetrators purchased the vehicle and asked for camera footage to turn in to law enforcement. I was informed that they are unable to go back so far being that it was XXXX, XXXX and they do not have footage from that far. I have been a victim of identity theft and provided MRS Associates and XXXX. XXXX with proof but nothing has been done as of today. I have all the documentation including FTC Identity Theft letters that I sent to both companies and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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:
Collection agency Portfolio Recovery Associates is trying to collect debt on an invalid account for {$670.00}. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years nor do they have a contract with my signature stating that this account is mine. Providing specific dates, a bill or other inquiries doesnt make this account mine. On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX 2013 which is past Californias staue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On my all three credit bureaus show inquiries of almost 50.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX. 

I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE! 

I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit. 

They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus. 

I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting 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 explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX tried to collect a debt of {$1600.00} from me. This is the wrong amount it was only {$1000.00}. They also have been sending me letters for 3 years threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been overseas and noticed a charge that I do n't recognise on my BoA Credit Card and I have not used the cards in over 6 months. 


It is from XXXX XXXX and the amount is {$1600.00} and I have attached a statement for your reference. 

I have called the XXXX XXXX XXXX XXXX and no one has bothered to help me.

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 2017-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

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 2017-12-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

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 2017-12-17 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: OH

Complaint narrative:
On XXXX/XXXX/XXXX I received a response to a letter that I sent to Ability recovery service asking for Validation of a debt they alleged that I owed of {$430.00}. Not only was the company unable to provide me validation of the debt they sent me a generic peace of paper that doesnt have my Signature on it nor does it have me listed at as the patient who received these services which was the information that I requested for validation purposes. I also asked them for their method in which they verified the debt was mine and I owed for those services. They have reported this incorrect information on my credit file which has hindered me from obtaining financing. I asked that if this company can not provide me with validation of this debt that they remove this debt from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I met all the qualifying criteria for the Citi Premier credit card but I was informed I was no longer eligible due to an account opening/closure of same credit card family within 24 months despite during the entire relationship with Citi I have never requested any account closure and the only account opening within 24 months I requested was this card. 

XXXX XXXX : I applied for the Citi Premier card with a promo 50,000 ThankYou points for {$4000.00} of spending in 3 months. 

XXXX XXXX : I met eligible spending requirements within the timeline. 

XXXX XXXX : I called Citi to confirm eligibility and Citi claimed that I was not eligible due to a closed Citi Forward which Citi unilaterally closed in XXXX. I contended this should not affect eligibility given even on today 's Citi signup promotion for Citi Premier, that the Citi Forward is not listed as one of the cards whose opening/closing would affect eligibility and that additionally the closure was action taken by Citi and not myself. It would also be contentious for any closure initiated by Citi to affect bonus eligibility given Citi could use it to the effect of artificially causing failure to meet bonus terms. 

XXXX XXXX : I called Citi again to check eligibility and this time they said I was not eligible because I closed a Citi Preferred card in XXXX. However this was after I applied for the Citi Premier and furthermore the card was converted to a XXXX card, not closed as it is the same tradeline as the Citi Preferred. Not withstanding the fact that this occurred after the application of the Citi Premier, a conversion should not count as a closure and nowhere during any interaction with Citi on that matter was there a mention of any effects with regards to bonus eligibility.

Given Citi 's inconsistent reasoning on what affected bonus eligibility and unreasonable claims of what constitutes card closure. Citi should honor original bonus terms as stated at the time of application.

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 2017-12-17 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: U.S. BANCORP
State: OH

Complaint narrative:
US bank XXXX XXXX 2017 I thought this was resolved I paid this balance off

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 2017-12-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation