vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Bought this nightmare XXXX in XXXX XXXX. I 'm XXXX percent done on my payments. We are charged a XXXX daily interest rate on top of an annual and they argue that we arent. We got another car, got rid of the negative equity, ( XXXX ) and a dealer bought the car..well now it 's time to pay it off, dealer has a check for XXXX and some odd cents. Dealer calls ally, XXXX/XXXX/XXXX guess what they said we owe XXXX dollars more than what it says we owe. We did n't make the XXXX XXXX payment because we sold the car to this dealer. They say they have a XXXX day grace I 've never seen it. How can your account state you owe XXXX dollars and some odd cents and the dealer calls ally and they say it 's XXXX dollars more than my account is showing? How Is this legal? To top that off my husband calls talks to XXXX different people and they are from the XXXX, ca n't speak english, ca n't understand you and they tell you that you owe this much more but they ca n't tell you why and what 's it 's for!? We have dealt with nothing but a headache. If we ca n't get this resolved, we owe the dealer XXXX dollars to pay off this car! Not gon na happen because it says what we owe online and I 'm uploading a screenshot of my account and what it states. Please help us resolve this.

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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card THROUGH A LETTER WITHOUT ME REQUESTING IT, They offered me a CREDIT CARD WITH NO INTEREST FOR ONE YEAR. 
Enter the internet to accept the offer and when the process ends, they inform me that they no longer offer me the card without interest payment. so I decided not to accept the card because that was not the offer I received. 

Discover card offers me with my Name a promotion, they check my score and then tell me no! I accepted that they consulted my credit because I was offered a promotion of non-payment of interest but then they say no. 

I request to you, please help me to remove from my credit history the consultation of my credit by DISCOVER card! 

thank you very much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc
State: MA

Complaint narrative:
I had XXXX for my previous loan servicer and was transferred to UNISA. It has been nothing but trouble with UNISA. My first month, they had the due date wrong. Ok, made my first payment with them with the corrected due date. I had paid XXXX XXXX onXX/XX/XXXX these are supposed to be quarterly payments, mind you. I get a bill from UNISA for the same amount with the due date ofXX/XX/XXXX I called them, they said it was a mistake and it 's actuallyXX/XX/XXXX. Great, problem solved, so they processed my check on XX/XX/XXXX. I get a bill today ( XX/XX/XXXX ) with the amount of XXXX due on XX/XX/XXXX 
My concern is 1. This is n't quarterly payments. 2. This is my second call with them. 3. How am I supposed to gather this money within two and half weeks so I do n't have an issue with my credit score? There is not much notice to me, never-mind the billing date being wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I 've called Experian at least 4 times in 3 days. XXXX hour holds and then hang up. No one picks up the phone. I 've ordered to review my credit report. The first 2 days they showed all three scores great ; however within my 14 day trial I have not been able to review anything other than the experien score. I tried calling no response so I tried cancelling and still no response. This is my last resort. I 'm still in the trial period so they should not charge me anything extra.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017 Experian charged my credit card {$27.00}. I never had any contact with Experian, never purchased anything, and most importantly I NEVER PROVIDED EXPERIAN WITH MY CREDIT CARD NUMBER. 

Experian illegally obtained my credit card number and illegally charged my credit card! 
I attempted to contact Experian several times and was on hold for over 1 hour and 45 minutes before being disconnected.
I was forced to contact the credit card company to have them cancel my card as it was compromised by Experian.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
Greetings : I called XXXX XXXX customer service to purchase a diamond ring over the phone through XXXX credit card so I made the purchase over the phone and the agent took all the information needed to complete my purchase however I have not received the order since XXXX XXXX 2017 So  I have called several times to resolve the issue, so XXXX customer service response always was contact XXXX since the shipment supposed to be delivered by them so I called XXXX to report that issue so they opened the case however I have not gotten any calls from their investigation department to resolve my issue so please assist me with that Issue. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: AZ

Complaint narrative:
An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding Equifax. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
Gordon , Aylworth & Tami , P.C . 
bought old debt. Garnished bank account without notice. Took {$410.00} on XXXX17

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I have called several times about the excessive late charges over 7k I have owned this Home since XXXX XXXX. I requested that these be removed or reduced as I feel that payments were not posted on time. I asked for history from start of loan in XXXX and received XXXX on and no previous years. I believe I have three times scattered late over thirty days in almost 15 years. This is a financial hardship to pay over 7000 in late fees and eating my equity which is not much based on the decline in my area. I was told there was nothing I could do but pay the money and they would not work with me at all. To request bank records to prove would be impossible as the cost and they dont exist. As a consumer this is financial XXXX and profiting off a life long customer.

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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX is reporting an UNVARIFIED Chapter XXXX bankruptcy on my credit report based on information that they received from a third party agency LexisNexis. Under the FCRA, XXXX XXXX Agencies XXXX Credit Bureaus XXXX must provide a copy of the verifiable original creditor documentation if it is requested properly by you the consumer. Since they can not provide proof of verification to you in the form of a physical contract document per your written request to do so the account is classified as UNVERIFIED and under the FCRA all UNVERIFIED accounts MUST BE DELETED. Whether the account is correct or not makes no difference. If the CRA can not provide you physical verification of the account it is an UNVERIFIED account and MUST BE DELETED. Per clerk of the court of the United States Bankruptcy XXXX XXXX And XXXX XXXX of Texas, they do NOT verify bankruptcies for anyone and that is indicated in the attached letter from the court. Companies such as LexisNexis and XXXX are considered third party verifications and NOT actual verifications from the court. Due to the fact that this bankruptcy has NOT and can not be verified via the ACTUAL court, I am requesting and demanding that this bankruptcy be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: Bread Financial Holdings, Inc.

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX Charge {$10.00} I noticed this charge on my credit card statement, has been charged each month for a year. I never approved it, when I called the number listed they were not able to " find any customer info at this time '' and assured me they would get back to be as soon as possible and took my address and phone number. I want my money, I requested a refund of all charges over {$100.00} easy. 
I have documents if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I was informed of an unpaid XXXX XXXX collection reporting on my credit report on XX/XX/2017. I was surprised, as I never received any type of notification or demand for payment from either XXXX XXXX or Stellar Recovery. 

I promptly called XXXX, ascertained it was my debt, and paid the account right away. I argued that since I never received a dunning noticed allowing me to cure this debt before it was credit reported, I expected them to delete it from my record. XXXX asked me to call /Stellar Recovery. On XX/17 I called them, explained to them the situation, and they confirmed they had an OLD address, and still denied my request to remove this item from my credit report. 

Please be advised that I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account.Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I  hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
bought old debt. Garnished bank account without notice. Took {$410.00} on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: LoanCare, LLC
State: AZ

Complaint narrative:
An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding XXXX. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect 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 explanation
Consumer complaint received 2017-10-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
At the direction of XXXX XXXX, I requested a complete " Loan Chronology '' of each and every student loan AES servicer had for me entire complete trace back to the begging of each and every loan. 

They refuse to provide me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB NO : XXXX Violation of federal laws and refusal to require business to provide proof the customer is liable for the amount charged and failure to require business to provide proof the customer authorized the charges be placed on the credit card. 
I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to pay or am liable for the charges placed on my credit card for : XXXX XXXX XXXX XXXX, and XXXX XXXX. As of XXXX XXXX, XXXX not XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX for any of the charges above. I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to allow all of the above charges to be placed on my Capital One credit card. As of XXXX XXXX, XXXX XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX that I authorized XXXX XXXX XXXX XXXX XXXX to use my credit card. Capital One has required me to pay the charges under threat of late fees, interest, etc. if I dont pay the charges on time. I have tried to put the charges in dispute. I have been successful with a few of the charges being placed in dispute. However, Capital One has required me to pay XXXX that I dont owe and have never agreed to pay to XXXX XXXX XXXX XXXX XXXX rather than put these charges in dispute. Capital One insists I pay another XXXX that I dont owe XXXX XXXX XXXX XXXX XXXX. Capital One has never required XXXX XXXX XXXX XXXX XXXXXXXX to provide any documented proof the charges are legitimate and authorized by me. I believe it is a violation of federal law for a business to hold a customer liable for payment without the customers agreement to pay. I have never agreed to pay any of the above charges to XXXX XXXX XXXX XXXX XXXX. I believe it is a violation of federal law for a business to place unauthorized charges on a customers credit card. I have never given XXXX XXXX XXXX XXXX XXXX permission to place any of the above charges on my Capital One credit card. I have never seen a single sheet of paper pertaining to any of the above charges on my Capital One credit card by XXXX XXXX XXXX XXXX XXXX. Capital One has used unrecognizable photos as proof to require me to pay the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened my account with Bank of America onXX/XX/XXXX -- entirely because of a promotion that was being offered ( I would never have opened a bank account with BofA otherwise, given the company 's horrible record of treating consumers, especially minorities, badly ). The promotion advertised that the account holder would receive {$300.00} if, within the first 90 days of opening the account, over {$4000.00} of direct deposits were made. I adhered to the terms of the promotion, with XXXX XXXX my employer ) directly depositing {$2600.00} on XX/XX/XXXX and {$2600.00} on XX/XX/XXXX, for a total of {$5300.00}, within XXXX days of opening the account ( well over the {$4000.00} required ). I contacted the bank on multiple occasions, and every time I spoke to a representative he or she never mentioned that there was a problem, only that the maximum amount of time BofA had to deposit the {$300.00} was 180 days ( though I do not believe this is actually the case, either ). I waited the XXXX days and went into a local branch at XXXX XXXX XXXX in XXXX XXXX, CA XXXX, onXX/XX/XXXXand spoke with a representative, XXXX XXXX, who told me that Bank of America had incorrectly ( he agreed it was the bank 's fault ) identified the direct deposits as transfers and had thus decided to not reward me with the {$300.00}. I am highly skeptical that this was a 'mistake ' and believe, rather, that this is systemic abuse of consumers. 

Note : I have attached communication from Executive Advocate XXXX XXXX. Since receiving his communication, I attempted to call him multiple times and never heard back from him. It is almost impossible to get in touch with anyone at Bank of America who can do anything about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. XXXX XXXX is also reporting the account. 

That means there are XXXX violations due to a single trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I started being contacted by Portfolio Recovery Associates in XX/XX/XXXX, I have disputed these 2 accounts twice and asked for proof of verification on the accounts. I was left voicemails on XXXX telling me if I did not get back in touch with them regarding these accounts I would be sued and I needed a lawyer to speak with them regarding the account. My last dispute was XX/XX/XXXX and they have yet to validate this debt but continue to call and leave voicemails telling me what will happen if I did not pay this debt.

Company response to consumer: Closed with explanation