vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have hard inquiries on my report that I have no knowledge of authorizing : EXPERIAN : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Company has no contractual agreement with me. I have not heard of company and do not consent to their interference and disruptive practices. Company refuses to provided proper validation pursuant to law. Was forced to make payment in order to stop harassment, while seeking litigation. Company still harassing despite payment and request for validation. When verification was repeatedly requested the company sent a statement of account with no verified information pursuant to [ Section 609 ]. ( see uploads )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have had a store card from Best Buy for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months " no interest '' financing offer when I had bought a brand new house and purchased a washer/dryer, refrigerator and two televisions. Long story short, I've consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled " Enhanced Debt Protection ''. I've been getting charged this fee for quite a significant amount of time now and I not only called Best Buy but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I'd receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid-month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30-day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and Best Buy for not being more helpful with this process and ripping their loyal account holders off of hundreds if not thousands of dollars. Please, any assistance would be greatly appreciated. Thanks in advance!

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 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Resolution, Incorporated
State: CA

Complaint narrative:
I am writing about a company called ACR ( http : //www.acr12.com/ ). I received a text message from a telephone number local to the area where I live ( ( XXXX ) XXXX ), to my cell phone stating : 'Failure to respond to this collection notice will result in account escalation. Call ACR XXXX to resolve this delinquency. This is from a debt collector. ' I called the number included in the text message, which was a call service, and was told to go to the ACR website and enter my claim number.

I am unfamiliar with this organization. I have no idea how they got my telephone number and why they are contacting me via text message - which I did NOT authorize - about an unspecified debt. I filed a complaint on their website as well. As I understand it, according to the Telephone Consumer Protection Act of 1991, this action may be in violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC BANK HAS HIRED DIFFERENT DEBT COLLECTORS TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/XXXX. I HAVE BEEN THREATENED AND TOLD I AM A PIECE OF XXXX. THE LATEST ONE STARTED ON XX/XX/XXXX FROM XXXX XXXX. I ADVISED THEM THAT THIS WAS DISCHARGED IN BANKRUPTCY AND THEY DIDNT CARE. THEY CALLED ME ALL SORTS OF NAMES AND THREATENED TO SUE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX reported an open and up to date account on a capital one card.I asked for this card and he said it was showing closed a few years ago on his end.There are also recent inquiries on the account.Anything automotive related is me and a chase bank for a checking account today was summited today.It kicked back a we are sorry, and reported to XXXX.Which is what lead me to check XXXX XXXX today.I received emails and things in the mail saying I was part of 1 or 3 breaches that recently happen.Im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.

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 2018-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX we changed homeowners insurance from XXXX to XXXX XXXX. We sent all documentation for the change to the mortgage company and were told that when they got the refund from the insurance company for the payment that they had just made the change would be made. We contacted XXXX and they told us they would send the refund to American Financial Resources. We heard nothing else on the matter and were under the impression that everything was handled until we went to file a claim for storm damage to our home in XXXX, and found out that our mortgage company did not pay our insurance and then they proceeded to apply their own insurance company from our escrow. So we found another insurance company to take our business and American Financial still wanted us to pay for their insurance. We do not feel that we should because we did what we needed to inform them that we changed insurances. 
Then the end of XX/XX/XXXXwe sent our monthly payment to American Financial and were notified that they did not receive our payment .So we contacted XXXX XXXX about whether the money order was cashed or not and when. We were informed that it was cashed on the XX/XX/XXXX. We then sent for a copy of the money order with XXXX XXXX and found out that our payment had been stolen from the united states postal box and altered with another name in the pay to line. XXXX XXXX told us it could take up to 90 days to deal with the bank that cashed it to get a refund. We have caught up on all of the payments that were missing and we are receiving notices stating that we are in default of our mortgage payment after they have received the payments, and it very frustrating. We do not want to move we have been here for 12 years and just want to make our normal payments and continue on. But we are also feeling like we are being harassed when we know we made our payments and we get all of this mail stating that we are in default. Plus they keep giving us the run-a-round.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I do not owe this debt. I asked for information under the fair reporting act. Also requested on a number of occasions information to verify account information pursuant to [ Section 609 ]. All lawful verifiable information must include the signature of party in contractual agreement. The contract must be valid pursuant to NJ State law as well as to the Uniform Commercial Code. This company refuses to provide proper documentation and verifiable information pursuant to law and are in violation. The document forwarded to XXXX XXXX XXXX 's agency did not offer a signature, nor a copy of any verifiable information and must be removed. A cease and desist must be in order. This company 's practice is obstructive to my ability to obtain credit and they do not have my permission or authorization to report to any bureau.

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 2018-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contacting you because experian keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX  and a victim of identity theft and experian has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and 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 non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Harassment, including multiple calls daily and evenings for months by this predatory collection agency ( note : I have no debt whatever as confirmed by my credit monitoring agency ) seeking to acquire personal information. Company is XXXX XXXXXXXXTransworld Systems Collection Agency at XXXX. They violate no call list instructions and are widely known to be fraudulent and abusive. I am not interested in your sending them comments or notifying them of anything. They are aware of their illegal activities and do not care. Action needs to be taken to investigate their illicit actions and close them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
bank cancel my payments to my credit card without a notiffication wich cause a hit on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. 
I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX  regarding jersey numbers only. 
The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. 
I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. 
PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. 
I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX  in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: CA

Complaint narrative:
My daughter leased a car and I co-signed through a dealership. XXXX XXXX financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out XXXX XXXX  had reported a late payment. Through many calls and emails between the dealership and XXXX, after XXXX tried to blame the dealership it was discovered and proven that it was a mistake that XXXX made. Every time I try to find out why our credit is still not fixed after 2 months XXXX basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in 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 explanation
Consumer complaint received 2018-03-28 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: NY

Complaint narrative:
I am contacting you because XXXX keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX and a victim of identity theft and XXXX has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and 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 2018-03-28 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
bank cancel my payments to my credit card without a notiffication wich cause a hit on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have made payments to this company on top of they are garnishing my wages I have asked them not to contact me or my wife about this debt. They still call my Wife everyday and myself three time a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TX

Complaint narrative:
Experian is still reporting my XXXX account as having two delinquent payments in XX/XX/XXXX. I had this matter resolved last year and contacted the CFPB last XX/XX/XXXX to get this matter resolved. They corrected my credit report, but now they have put it back on my credit and it is affecting my score.

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: AZ

Complaint narrative:
XXXX XXXX XXXX. I do not know what this is for. I believe it is XXXX XXXX  who forces subscribers to open new accounts when you transfer services which I have done twice and have noticed they reported put those accounts into collections after charging me under my old account when I was paying regularly on my new account. In XX/XX/XXXX'17, I had a balance of around {$40.00} plus whatever they charged for a late fee. They waived the late fee and credited my new account {$20.00} and I paid the balance. Now I see this on my report that was reported in XX/XX/XXXX so I can only assume it originated from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation