vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
Credit Control Corp of XXXX XXXX, VA sent me a series of collection notices for payment of overdue disputed medical bills. After I paid each one, they would send another. When I asked them to send me an itemized accounting of the billing, they simply restated what the medical facility had sent to them with no accounting for what I had already paid. Finally they sent me a bill for {$60.00} which I declined to pay until they provided me with some sort of accounting. They promptly paced a collection report against me with XXXX  ( the subject of my next complaint ). In order to clear my name I paid them the {$60.00}. They said they would remove the collection report, but they never did. They have only stopped sending me bills when I threatened to report them to the Virginia Attorney General 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
XX/XX/2019 Midwest Service Bureau XXXX Kansas XXXX, They tried to call and collect a debt I owe I tried to set up payments again, and the lady told me because I only owed XXXX they would not accept XXXX payments so she said to either pay the whole thing today or threatened to garnish my wages. She continued to say that if I could not pay the entire amount to find someone to borrow the money from because they were tired of waiting! I talked to the rude representative on multiple occasions and had made an effort to setup XXXX payment arrangements and she stated they would not accept less than the entire payment each time I offered to setup payments! I am working on filing bankruptcy and told her this again and she said if I could not give her his name and prove that I had retained the attorney that they did not care and would pursue legal action. At the time I could not start the process because of a paper the lawyer requested. So he did not want me to pay him until he determined what type bankruptcy to file. And the rude representative laughed and said she did not care and would start legal action. She argued me that I never tried to setup payments and said she could back through records proving that I never attempted to setup payments and I told her go ahead and look and she said she was the only one you spoke with and stated I never offered to make a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15 for my COMMENITY Capital Bank/XXXX XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: GA

Complaint narrative:
I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX Card back in XX/XX/XXXXand received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I am an ordinary consumer in debt trying to pay off existing debt. Why would a National Bank replace a consumer 's credit card, who is very much in debt, with a credit card that has a high monetary credit limit? What is the purpose, I ask you? I did not request a different card with a different account number. I had became delinquent in payment due to job closure. I entrusted XXXX XXXX XXXX for Bill Consolidation help with my credit cards and found that they were pocketing most of the monies and they dropped me as a client. All of my creditors came in on me. US Bank turned my account over to XXXX and XXXX XXXX XXXX Firm to collect the debt. I have been giving the collection agency " good faith '' payments, which the company proceeded to take me to court for the entire amount. US Bank has been really taking advantage of me ( a hard working tax paying citizen ), who is very concerned about keeping a good credit standing. Please help look into this matter at hand. I am hoping that no other consumer get caught up into the same situation that I have been put into. 

Thanks, XXXX XXXX XXXX Formerly XXXX XXXX )

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 2019-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I leased a vehicle back on XX/XX/2019. Since XXXX I was asking the financial institution what I need to do in order to take the car with me to XXXX XXXX. Due that I was here under the XXXX license and that I had to report back to work on XX/XX/2019. I spoke in three different occasions with three different customer service representative from XXXX XXXX and in all of the three conversations they told me that I will have to change my lease into a conventional financing in order for them to give me a permission letter to take the vehicle with me. Also, they told me that I need to submit the documents stating that I had to report to my work by XX/XX/2019. I did exactly what they told me to do and switch my lease into a conventional financing. When I submit the documents they told me that I can not take the vehicle with me to XXXX XXXX. It should be evidence in their system and recorder conversations when I called and the instructions that they told me to follow. Now the options are slim and if I return the vehicle it will affect my credit and if I sell it back to the company I will have to pay them few thousands dollars due to the depreciation of the vehicle. That I do not have it right now. This situation has cause damage to my health and collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Aloha, on XX/XX/19 I attempted to make my normal mortgage monthly payment of {$1700.00} with Mr. Cooper and was unable to do it as normal online. I than called Mr. Cooper and than was transferred to three different people. I was told in all three cases we are unable to tell you whats wrong, as you have litigation involved with your home loan. I have never received any notices of litigation and My monthly mortgage has never been in default EVER. The next Day I filed a small claims case against Mr. Cooper and had them served. 
The day of the hearing the Judge said small claims is the wrong place to file this kind of case? I opened an escrow account with XXXX XXXXi XXXX in XXXX hawaii on XX/XX/19 and placed XXXX payment of {$1700.00} in that escrow. With specific escrow instruction. To date I have never had a return call, or any correspondents from Mr. Cooper. I did receive the XXXX monthly statement now showing im Late for the first time. Thus wrecking my perfect credit rating. As you might know Mr. Cooper changed its name from Nationstar Mortgage a few years back. Maybe because of two reasons 1 ) they have a B- rating with the better business bureau 2 ) the name XXXX. XXXX was already taken

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I got an alert stating I had a collection account. I reached out to the company on the same day and they informed me that they were sending notices to an address that I have not lived at since early 2016 and they were calling a phone number that I no longer had. My mail was forwarded to my new address and my credit report has all of my updated contact info including phone number and address. If they properly skip traced me then they would have had this information. I was not given the opportunity to dispute or resolve this account before the collection was placed on my credit report, because I knew nothing about it. This has tarnished my credit score and I was under contract for my new home and past the due diligence period, which now I have lost my earnest funds due to no longer qualifying for lending. In addition, to that my children and I have given notice to my current rental property so we are now going to be homeless all because of this company illegally adding this account to my credit report without notice. I just had a XXXX 6 weeks ago and this has ruined my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TOLEDO FINANCE CORPORATION
State: AR

Complaint narrative:
Todelo finance on XXXX XXXX XXXX XXXX keeps repeatedly calling my friends family and myself they have my number and have called me multiple times sometimes two times a day yet they keep calling all my references, multiple times a week they have been asked to stop some of the calls to me XXXX XXXX XXXX and XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX this is after i had already told them I did not have any money during these same times they called me they also called most of my references i have call history proof from me and some references that go back months if mutiple calls and harassment threats of garnishment if I don't pay by certain days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
Ive contacted Equifax regarding the account of XXXX credit card account on my credit file, XXXX sent letters to all credit bureaus to remove debt because it was paid in full in 2017. All other credit bureaus have removed it but Equifax. A letter was sent to XXXX CEO also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
This says it's a medical debt for XXXX. I tried calling the phone number provided but it only rings and no one answers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/19, I called TD customer service to first check on status of never received replacement card requested via mail months ago and also requested annual fee reversal due to non receipt of new card. The initial rep had given me incorrect info and what I feel was a lie when saying she did not have access to My acct. she also told me I could go to any td bank branch which could offer instant replacement which was not correct after speaking to supervisor. Supervisor lead me to Believe that she would advocate for fee reversal to earlier unpleasant experience with earlier rep

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bass & Associates, P.C., Attorneys at Law
State: PA

Complaint narrative:
The Department of Education and Bass and Associates because of poor communication skills damaged me by taking my tax return the debt is paid and I am not in default please follow the paperwork I haven't received a payment bill in months. On XX/XX/2019 they said still working on issue XX/XX/2019 they took my income tax return PLEASE FOLLOW PAPERWORK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, Comenity Bank in association with HSN called my father. He texted me out of the blue about it and knew the debt amount so obviously they shared that information with him. And when I called them and told them this happened, the representative said it was impossible. But how can he know the debt amount if he didn't even know of the debt until they called him?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted four letters to XXXX XXXX XXXXXXXX  Equifan. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted four letters to XXXX XXXX, Experian, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.

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 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
During the government shut down all of credit card companies promised to skip a month of payments in order to help with those dislocated workers who were being negatively affected by the shut down. Not a single one of them did and they lied to consumers about it which caused me to miss payments a get even further behind to the point at which I could not even begin to catch up. At this time I contacted them and told them the situation and they said they could set me up on a payment plan and suspend my card until I caught up which would give me a much lower interest rate. Again they lied. The ones who lied were CitiBank ( CITICARDS CBNA, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX XXXX.

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 2019-06-12 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
sorry my grammar is not 100 % accurate!

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I  never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank Credit Acceptance several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX  reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit 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 explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
When I obtained my card with secured XXXX XXXX with CAPITAL ONE ending in XXXX, I was informed that my account would be reviewed to become unsecured periodically. My credit score has increased to around XXXX currently. This would be a score that most normally would qualify one for an unsecured card. I make multiple payments per a month and the account is paid to {$0.00}. Customer service agents now report that the card will never transition to unsecured. How can that be so? Does CAPITAL ONE regularly change what they tell customers? The company is holding my security deposit. I do not wish to apply for a different card or start a new account. Capital One should review my payment history on this card and also my auto loan and consider following through with unsecuring my card as promised before I close both accounts and move my business elsewhere.

Company response to consumer: Closed with explanation