vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Capital Accounts, LLC
State: IN

Complaint narrative:
My spouse was employed by XXXX XXXX  XXXX. While she was employed with them the owner XXXX told us we could get XXXX work done and we only had to pay for the lab work. I got XXXX XXXX XXXX and paid what they told me I had to pay, which was {$190.00}. Everything was ok, until my wife was fired and XXXX went by back and charged me another {$590.00} and then sent it to a collection agency which then put it on my credit report. This is very unacceptable from any dentist or doctor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NH

Complaint narrative:
I originally had a debt with XXXX cable for {$1000.00}. The debt was sent to XXXX XXXX XXXX ( XXXX ). The account was settled with XXXX for {$510.00} on XXXX ( approval code XXXX ), in order to close the account. Within a month or two another credit collection company ( AFNI INC ) was trying to collect for XXXX {$510.00} ( which would have been the remaining balance to XXXX, had I not provided a lump sum to XXXX to settle the debt ). 

XX/XX/XXXX -I called AFNI around XX/XX/XXXX to let them know that this debt had already been settled with XXXX  . They told me that they were hired by XXXX and that I had to contact XXXX to fix it. I then called XXXX who told me they did not have the settlement in full letter from XXXX. I called XXXX back, and they said they absolutely sent that info to XXXX and they would send it again. 

XXXX XXXX- I called XXXX and XXXX again to resolve this matter. Assured by XXXX it would be handled, nothing changed XX/XX/XXXX-Again called XXXX to ensure XXXX was sent proper info to realize debt was settled. Given file # XXXX XX/XX/XXXX- Called XXXX again to straighten this out, given reference # XXXX XX/XX/XXXX-called XXXX again. Transferred 3 times, on the phone over an hour and the final person pretended to be from another cable company!! 

XX/XX/XXXX- disputed AFNI XX/XX/XXXX-disputed AFNI I provided what was a large sum of money for me, to settle this debt and improve my credit almost 2 and a half years ago. Instead of improving my credit, I received another negative account to further affect my credit negatively. I have tried to resolve this matter and been unsuccessful. XXXX was always helpful and I feel reported honestly. XXXX has been rude and incompetent, and AFNI negligent. They were provided with proof of my settlement in full receipt from XXXX and still attempt to collect on me, negatively affecting my credit score for years and thus costing me extra money in the current loans I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I called to get assistance with a double extension - Ms XXXX laughed during the conversation - transferred me to a manager Ms XXXX who only wanted me to let her speak and kept interrupting me to state the process has changed - stated that they will only give me a single extension even though I was already told I'd get a double ext 3days ago - she didn't fix the problem nor did she attempt to help - the manager was rude and didn't care what i had to say - i couldn't even finish my first sentence before she started to stop me - the manager then transferred me to the same rep who asked what I wanted and it was at that point I decided to end the call. They still didn't give me the double ext and I refused to take a single to be further behind when I was already told to pay and get a double - i made the payment for the double and they are refusing it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
The XXXX XXXX company located in XXXX XXXX PR calls my work 2 to 3 times a day, goes to the home of my son 's grandparents and leaves letters with them or the people living there notifying them that I should call them. that's something private no one has to know that I borrowed a loan also they communicate with the people that I referred telling them about my case I think it is a lack of respect from the company to do this to ask about me and about my debt. They call me even XXXX, I am going through a difficult economy after the Hurricane Maria in Puerto Rico I made a letter to the company to communicate with me to my email and my phone number I hope you can take action on the matter thank you very much.

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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of todayXX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have tried on line to freeze my credit with Experian and also tried calling them. The other 2 credit bureaus allow freezing my credit on line which Experian is not presently allowing and when Experian was called the phone system said they were experiencing difficulty and hung up.

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 2018-09-24 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: NY

Complaint narrative:
( 1 ) What happened? 

I disputed a Bankruptcy reporting on my account on XX/XX/2018 for reporting inaccurately : the original bankruptcy documents state a different address than where I live now. This is an inaccuracy because, the original bankruptcy documents have the address where I filed for the Bankruptcy over 7 years ago. I now live somewhere else. 

The dispute results where verified by electronic means. 

The FCRA states if any inaccuracies at all, are in the the Bankruptcy it must be deleted. If results reveal 1 inaccuracy, it must be deleted. The Bankruptcy Courts do not correspond with the Credit Bureaus for any reason ever. My report is inaccurate because only a small amount of the original information is reporting. The verification process must include the original bankruptcy document with signatures of both consumer and Bankruptcy Court Judge. This original bankruptcy document must already be in the consumers file when the consumer disputes the Bankruptcy for accuracy. 

The dispute results returned on XX/XX/2018 as verified. The very same day of dispute.

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 2018-09-24 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: Peak Acceptance, LLC.
State: TX

Complaint narrative:
I opened a loan with peak acceptance XX/XX/XXXX and the car I had to let go for medical reasons it took them two months to pick it up and finally picked it up on XX/XX/XXXX. After the repossession i tried to contact them about personal belongings in the car and was not allowed to do so also I never received any notice about the sell of the vehicle like they are suppose to send you. Also I never received any paper work after the sell of the vehicle about any kind of remaining balance are any type of information from them. Also on my credit report they report date of last activity as XX/XX/XXXX and the car was repossessed in XX/XX/XXXX and they continued to report to my credit as me being late until XX/XX/XXXX even though there was no communication from them at all about any remaining balance are debt owed to them. Upon contacting them about this info I was told they do not have my debt in there system but yet call me 5 minutes later and say they found some information on my account but were unwilling to allow me to talk to anyone in the reporting department.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have been unable to access all XXXX credit reports online.

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 2018-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
So like many other Paypal users, i have a problem with this company. Here is my story ... 
On XX/XX/2018, my friend and partner sent me US {$26.00} from his XXXX Paypal account to my US Paypal account to pay his part of a business investment we have to do together. 2 days after Paypal blocked my account and i was not able to access it anymore. So i called them and they told me that my account was blocked because of a suspicious transaction and that to clear it, i have to send them an ID. My friend has the same problem and they asked him for an ID, his credit card infos and a bill to justify his address. So both of us, we sent all the documents requested by Paypal. My friend managed to finally have his account unlocked by Paypal but when i called them again, they told me that my account was suspended and my funds blocked for 180 days without any clear reasons beside than telling me that my account was involved in suspicious activities. I wrote to their appel department to appeal this decision but didn't receive any answer. 
I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal that in 4 years using Paypal, Ive never received any complaint about the payment made to my account. Plus since one year and half now, I use Paypal only to transfer money with friends and family so for one year and half, no payment that could cause a dispute was made to my account. Also i have never enfrunt any Paypal policies and I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Knowing than regarding this problem PayPal employees brought me nothing but arrogance, I'm writting you today for your help to fix it and help us invest in our project.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Notified three major credit reporting bureaus to place freeze on my accounts due to their false reporting, fraudulent personal data info selling for profit adding to existing problems of improper reporting, identity theft ; list goes on. Used XXXX article site to clink on links XXXX. Answered all questions. XXXX  no problem. XXXX  responded I must submit police report to accept. XXXX Responds can not verify identity. Have had FICO score alert reporting with various financial entities providing that service. Im not unknown though data submitted maybe false. ID theft by XXXX XXXX 14+ years adversely affected credit scores. XXXX covers up for XXXX false info as well By known Criminal ; list goes on. When Public Announcement Id credit freeze avail by law XXXX took advantage being unsuccessful in past ; repeated victimization ongoing. Went through process of providing proof of identity with various entities sending copies of personal documents to be told not good enough. Request my free credit report once a year ; not sent by two or even the three credit bureaus. If I get copy of one ; submit copies of disputes to other two sometimes more  that are involved in smear tactics like Lexis Nexis assisting XXXX XXXX ID fraud. Ive never had XXXX XXXX  yet carried by three people on their policy fraught with traffic violations ; I have none. These are only highlights of ongoing outrageous, egregious ; actionable acts of malfeasance that go unchecked by the CFPB dispute other past complaints. The XXXX   XXXX XXXX XXXX XXXX is of no help. The XXXX State offices and agencies frought with all kind of internal crime and corruption. Do I need to contact President Trump and ask him to assist with these matters? Is the CFPB going to start doing their job to protect US Citizens like they are suppose to or coverup for errant entities adversely affecting our lives. Im in my XXXX year ; the Decline in Decency Of the Gov that is suppose to be of we the people in support Of enrichment of three three credit bureaus is part of the Deep State Swamp we are drowning in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX my vehicle was repossessed by Santander Consumer USA. I had missed several payments and was past due. I was aware of this. My issue is their company acting in bad faith, and while what they did may not be illegal it is certainly unethical. 

I had previously missed a payment arrangement due to some personal financial issues and problems with fraud on my bank account. 

However, between the XXXX of XXXX a representative from Santander called and informed me of the past due. I offered to make a payment on XX/XX/XXXX and another within 2 weeks to bring my account current. At no time did he mention the possibility of me being repossessed and needing to make a payment sooner. Obviously, my car was taken 2 days before the payment which would have brought it under their " repo '' past due limit according to their reinstatement specialists. 

They had previously sent me a right to cure letter, and that date had passed. However, the fact that they were still calling me and taking payments led me to believe that they were working with me. 

After trying to explain the situation and get my vehicle back they have not offered any type of solution other than completely paying the vehicle. 

I should also mention that at no time was any kind of extension given, or reduced payment plan despite asking numerous times. 

On XX/XX/XXXX I received a letter from Santander dated XX/XX/XXXX offering an assistance program to bring my account current. After calling in I was told this was a mistake and I can not do any payment plan/assistance program. I was told that if I had done it before repossession I could have used it, however I explained I was never offered any plan even after asking. They did not care. 

I also learned that my optional GAP coverage and extended warranty were successfully refunded to Santander on XX/XX/XXXX. This totaled around $ XXXX+. I understand that this applies to the principal, but it should have also showed my intention to pay the car since I had cancelled these optionally before repo. 

Combining all these things makes me very frustrated how all of this has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase bank closed my Non-profit Business account on Friday, XX/XX/2018, without any warning and reason. The balance in the account was over {$22000.00}. On Monday, XX/XX/2018, JPMorgan Chase closed a Joint account with my spouse, XXXX XXXX , again without warning or reason. The balance was {$2200.00}. This action by Chase caused returned checks and fees to vendors, changing all financials to our new bank and humiliation to account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018 of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.

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 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.

Account Name and address is Incorrect that is on the bill they are saying is mine. 
If not resolved I will be forced to file in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/16 at XXXX, I set up an auto-pay on Synchrony Financial website for my account ending XXXX to pay the full balance of my debt and I received a confirmation email stating, " You have successfully enrolled in Autopay for your XXXX XXXX XXXX XXXX XXXX XXXX account. For your records, your Autopay confirmation number is XXXX '', this setting was adequate to pay the debt on time and avoid charging me any interests. 
Unfortunately, the bank system has not performed well and later I discovered a change on my account have been performed, the auto-pay setting changed to minimum due, without informing me which entailed charging me {$2200.00} of interest for not paying the debt on time. I am disappointed because I always meet my obligations and I never done this change, and even when I discovered this mistake and the big charge, I paid the full balance {$3300.00} at once as a proof of my commitment to my obligations and to stop the monetary bleeding. When I reached out to the bank, the bank representative informed me that the change to minimum due have been performed after three minutes only of the first set up ( i.e. XX/XX/16 at XXXX ), however, the received confirmation email dated XX/XX/2016, XXXX XXXX which is after that false change by 58min, moreover, I never receive a confirmation email from the bank with this change.

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 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I had a payment due on XX/XX/XXXX. 
Tried calling and paying on XXXX XXXX, and the XXXX. 
Phone system was down with no answer or and out of service recording Finally spoke with someone at XXXX and was told there system is down and I can only pay by wiring the money or going on line, but online phones and tablets do not work only PC I told the person if I wire today Ill be fine? She said no its after XXXX central time do you will get a late fee even though their system is down. 
Asked to speak with a supervisor but was told none of them work today but they know about the issue and this is our policy.

Company response to consumer: Closed with explanation