vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: IA

Complaint narrative:
Experian recieved an online collections for XXXX from an agency which I clearly did not have any association with, and accepted it as a mark on my credit report. I disputed it because I have never even heard of these people and they never confirmed with me that I owed them money and for what. The collection was opened on XX/XX/XXXX, with an account of XXXXXXXXXXXXXXXX. I know nothing other than what is put up on my account. Experian refused my dispute saying that they confirmed with the debtors that they were accurate, however, they never contacted me and according to the fair debt collections act, they must do that and identify themselves, and tell me what debt I allegedly owe them. That was not done either. Experian is allowing this mark to be on my record when I do not have anything to do with these people who claim I owe them money. NOT acceptable according to any laws in the fair debt collections 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 explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
Online Information Services, a debt collection agency, is trying to collect a disputed debt which I have a written letter for same. The original debt was for doctor consult while I was in the hospital getting emergency XXXX. I have on 5 occasions sent the correct billing information and called XXXX XXXXXXXX XXXX XXXX a/k/a XXXX XXXX with the correct insurance information and they have never submitted it to the insurance company, XXXX XXXX XXXX XXXX, Nevada. The debt collection agency refuses to cease collection activity. This is against FDCPA regulations because this is a " disputed '' debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
Last XXXX I was contacted by a Representitive of New American Funding to refinance my current mortgage and save a significant amount of money every month due to lower interest rates. I agreed and was contacted on XXXX by Sr Loan Officer XXXX XXXX XXXX Broker Solutions Inc., dba New American Funding. He told me that he could lower my interest rate by 3/4 points and save XXXX a month as well as recieving approximately four to five thousand dollars from my current escrow account. I agreed and I started the refi procces on XXXX. On XXXX I was contacted by loan processor XXXX XXXX XXXX to process the loan. He reiterated what Mr XXXX told me about the money comming back to me. During the procces the amount returning to me went from XXXX to XXXX which I signed off on it at the time. On XXXX I formaly signed the final closing docs with a notary. The document clearly showed that I was to receive XXXX once the loan was funded. When funded I recievee a check for XXXX dollars. I asked Mr XXXX about the discrepancy and he told me that he didn't know what happened. He asked his supervisor and he didn't know either. On XXXX on audit was performed by XXXX XXXX Senior Customer Specialist with New American Funding. She wrote that on XXXX a report was processed of the correct payoff statement nine days before I sined the final closing doc. I tried to contact her but she was unavailable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from TransUnion, XXXX, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.

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 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
Im being threatened by this company called XXXX XXXX XXXX XXXX to pay my gym membership debt. 
They havent sent me any documentation or any letter in the mail stating how much the debt is. 
They have threatened me if I dont pay them {$820.00} they will report it against my credit. 
When I agreed to pay {$820.00} using my credit card they called me back saying if I XXXX XXXX them {$230.00} to the information they will text me I will not be held responsible for the {$820.00}. 
However they have failed to provide me with any contract or any other written documentation. 
As to what I have read about this company they have is negative reviews and it has a red mark saying there are alerts for this company. 
I dont know how to get this resolved and I dont want any negative remarks on my credit. 
How should I proceed with this. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX, annual fee of {$95.00} was charged on my capital one venture card. I owe {$0.00} dollar other than the annual fee charge. I called on XX/XX/XXXX to ask for cancellation of the card and the fee. The company would not do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centron Services
State: MT

Complaint narrative:
received a collection for a medical bill from XXXX XXXX XXXX XXXX XXXX. the first bill came in my wife XXXX name the second bill came in my name only, my wife has already set up a payment plan, the point is the bill needs to come addressed to her only, even though we are responsible for our bills together. if this issue is not resolved i will dispute the bill, because the doctors office send my wifes lab work to XXXX which they know is out of her network with out her permission, she thought it was being done at the hospital here in XXXX  which is in her net work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
To whom it may concern, I am writing this because American Express just Closed XXXX XXXX XXXX accounts I had with them and would not provide me any detail as to why they were Closing my accounts. They requested me to get my signature notarized regarding my American Express XXXX XXXX Credit Card. Card and faxed over, which I did and was sent over on two different occasions because they didn't receive it the first time Faxed over from a XXXX XXXX XXXX Branch on XX/XX/2021. This has now created repercussions for XXXX XXXX because I used the cards for XXXX XXXX expenses. The second time I sent it was from XXXX XXXX XXXX on XX/XX/2021 since they didn't receive it the first time and after the fact that I have the Fax confirmation that they received it. They reviewed it and called me to tell me to destroy my cards that they were closing down my accounts today XX/XX/2021. I asked several times and different ways to see if I could get any details as to why they were going to close my accounts and responded with we can't provide you with any information why. I asked again and asked if there was a mistake on the form when the notary filled it out on XX/XX/2021 at a XXXX XXXX XXXX Branch, they replied I can't give you any information. I asked one more time and got the same answer. I asked the gentleman why again, that I had no balance on the cards or any late payments and used them and paid them off right away that same week and didn't understand and replied with I can't disclose why we are closing your account, Miss. I did what was requested by American Express and they closed my account without any reason or explanation and now I'm left with repercussions to XXXX XXXX  due to this aggressive action on their part after I did everything in my power to make sure that my account would get suspended as they stated if they didn't receive the notarized signature within 15 days of the notice. I asked them and told them that I wanted to keep a good relationship with them and that I wanted to continue using their services and they said as of now all your accounts are closed ( all 3 accounts, when the issue was with one particular card that they requested the notarized signature for ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal closed my account for no reason and will not help me get it back up and going, i'm not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report here as i feel they are not doing thier job properly and it is affecting me a great deal as i used Paypal frequently .The email attached to my Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: I.C. System, Inc.
State: MO

Complaint narrative:
I C System is reporting false information on my credit report. Not my account ; I have asked for proof that we have done business, and I haven't received anything back. It's been over 6 months.

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 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
XX/XX/XXXX, I received an email collection attempt from COLUMBIA DEBT RECOVERY DBA GENESIS XXXX XXXX  XXXX XXXX, WA XXXX The email was only stating the amount owed. I responded the next day on XX/XX/XXXX with clear language that I disputed the validity of the debt in its entirety. 

The collections agency did not send me a debt validation letter and continued to pursue their collections attempt and had reported this debt to the three credit reporting agencies which lowered our credit score. I did not receive a debt validation letter until I made a second request on XX/XX/XXXX after I had already disputed this debt with the 3 credit reporting agencies.

This agency also ignored the evidence that I had provided contradicting their claims that I had caused damage. This was done in bad faith as I have provided photos showing no damage to our carpets yet the agency continues to claim I had caused damage yet refuses to provide evidence there is any damage to the carpets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AL

Complaint narrative:
I made a payment arrangement with capital one auto and I ask the person if I make a payment arrangement will this report negative in my credit he advised it wont and unfortunately it did. The capital one employee agreed that he did tell me the info but I had to file a formal complaint which I did and they refused to remove the late mark because they stated a payment arrangement doesnt stop the late report on my credit which is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I don't have any collections with TransWorld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I received a private student loan with Navient in 2010. I have like anyone else financial issues that have come up, however I have paid XXXX to date when my loan was for XXXX dollars. I currently owe XXXX dollars! The rolling interest and forbearances have really increased the balance. How can they do this to struggling students that are trying to do the right thing and pay their student loans! This isnt fair and falls under what they have already been sued for in other states such as Pennsylvania. I called Navient to discuss and see if they would work out a payoff that is less than XXXX. They said no you can pay the balance that is all we can offer you. I was so upset since I am trying to do the right thing and get this loan taken care of yet not being taken advantage of at the same time. No one deserves this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have all my payments set for automatic pay with this company. on XX/XX/2020 the company automatically enrolled me in forbearance. I called the company and requested to remove me from forbearance and requested for my payment to be deducted. Now I see that XX/XX/2020 was reported as a late payment. I would like this to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I don't have any collections with XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Over a year after receiving my Care Credit card and making payments, I reviewed all of my statements collectively and noticed a pattern of " Card Security '' fees. I don't recall opting in, but I was being charged monthly, plus interest. In my communications you will see that I also complained about the same issue with my XXXX  XXXX Store Card. 

On XX/XX/2020, I contacted Synchrony by XXXX, asking why they were charging me for this service. They responded on XX/XX/2020, explaining what the service was. I wrote back noting that my question had not been answered, and that I still needed an explanation. I was never given an explanation or evidence that I signed up for this. 

On XX/XX/2020, I was sent a message saying that they noted my request for cancellation and would be issuing a credit for the charges. The turnaround time was 7-10 days. Today I reviewed my statements and noted that I was never issued the promised credit, and that they have continued to bill me for the card security fee despite my cancellation. I have attached a PDF copy of our initial communication to this complaint, as well as copies of the statements that I have received post confirmation of cancellation. 

For reference, I have an {$800.00} limit on the Care Credit card. After over a year of payments, I currently owe {$740.00}. It should not be possible that I have only paid off a little over {$50.00}. In part because they have continued to tack fraudulent charges and interest onto the balance monthly, eating up almost half of what my base monthly payment is. There will be no way for me to get out from under these debts if they keep charging me for something I never asked for. 

We are in the midst of a global pandemic and people are losing jobs and experiencing reductions in pay. Fraudulent charges and collecting interest on top of it is absolutely unscrupulous. This is fraud. Especially when I have explicitly said that I didn't recall opting in, wasn't told when I supposedly opted in, and formally cancelled months ago. Multiple violations warranting legal action have occurred here. I was initially willing to give the benefit of the doubt and wait for the credit that was promised, but not honoring that promise and continuing to charge me for a cancelled service is not okay.

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 monetary relief
Consumer complaint received 2021-02-20 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XX/XX/-XX/XX/I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. Bridgecrest claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Without any prior notice, TD Bank has frozen my account and not allowed me to make deposits or withdrawals. Since I opened this account, TD Bank has not sent me ONE single paper statement or allowed me access to my online accounts. They have hit me with numerous overdrafts fees and sent me no letters about these fees. In fact, the consumer agreement sent to me when the account was opened does NOT reflect the overdraft patterns. My attorney and I have already taken notice of TD Banks recent fines by the Federal government for misleading overdraft abuses against consumers. Back in early XX/XX/2020 I requested to have these overdrafts turned off and despite this TD Bank claims there is no such record that it was turned off and claims it was turned ON. This is an impossibility as the account was opened with overdraft services on. The lack of access to my account balance including through automated phone services has made it incredibly difficult to track TD Banks dishonest and abusive overdraft patterns.

If this freeze has anything to do with a prior checking account and credit card fraud from two older TD accounts, I would remind TD Bank that I have all documentation kept from those accounts in which TD Bank cleared me of any responsibility of those debts because of the fraud. And I have documentation from TD Bank acknowledging the fraud occurred because of a TD Bank error. 

It seems very clear to me that TD Bank continues to use abusive behavior that targets the consumer and attempts to back up its dishonest claims by using incomplete account notes from many different customer service representatives from a myriad of departments. Defaulting to any such notes to justify this abusive behavior is unacceptable Let me also make it clear : I do not care what records you have of any letters you have sent, paper statements included. I have never received them and yes my address on file is correct. I am legally entitled to these and shouldnt have to stop in a bank every single day to make sure TD Bank isnt stealing my money.

Company response to consumer: Closed with explanation