vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I bought a XXXX XXXX XXXX with XXXX milies ont it from XXXX XXXX, the car currently has XXXX   miles on it and is listed in the XXXX XXXX XXXX for only XXXX, but yet I'm paying {$400.00} a month for 4 years which will total out to be around XXXX after it's all said and done. The car is in terrible condition. I purchased it in XX/XX/2016, and the transmission failed within the same year and had to be rebuilt. I have had numerous problems since the transmission fix but XXXX claims that the car is fine. I have not been late on a payment in the entire two-year process, I have paid XXXX on the car and still owe another XXXX. I was a fresh XXXX years of age when I purchased the car so i feel like XXXX XXXX really took advantage of my ignorance and I feel that this is way unfair. I have tried to get the car refinance but other lender say that it is a lost cause smd csnt help me. Can someone please HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX, at XXXX XXXX I attempted to withdraw {$250.00}. None of my usual tellers were available and I was beckoned to go to a teller sitting at the far right. I did my transaction and left the Ace check cashing store with the money still in hand, after which, I handed the money to my father and as he counted it he said there was {$40.00} missing. I counted the money, now for the first time, and found he was correct. I went back inside Ace and informed the teller that I was missing {$40.00} from my withdrawal. The teller told me that she counted her draw and it was only XXXX cents over. I went back outside without the missing money and my father took the money and went into the store. The workers there told him they counted the draw. My father asked a few times was there nothing that could be done because he watched me leave the store and directly was handed the money received. Finally, they said they called the supervisor who reportedly said there was nothing they could do. When my father got home he called the main telephone number for Ace and was told that the district manager would look into the problem and if not, a vice president would handle the situation. Many calls later no one has called my father and I will list some of the reference numbers given when Ace was called. The fact that the teller who handled the transaction said she counted the money out twice can only mean she stole the money and the lack of response from Ace makes me feel there is a conspiracy to commit fraud along with the theft. I have never had a problem with this transaction in the past. I even had a customer in the parking lot who, when hearing my disgust with the situation, tells me that he won't go to that teller even if he has to wait. 
Some reference numbers for calls : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX. Ace Cash Express, # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. Ace customer Service XXXX XXXX. Cash disbursed to me was {$210.00}. I only wonder how many times this has happened to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.

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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
You've paid off 44 % of your collection amount. 
Balance {$2200.00} Highest Balance {$4000.00} Opened XX/XX/2015 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original Creditor Name XXXX XXXX APARTMENTS **I WAS UNAWARE THAT THE COLLECTION WAS SENT TO A COLLECTIONS AGENCY. WE MADE ARRANGEMENTS WITH THE LADY IN THE FRONT TO TAKE CARE OF THE CHARGES. WE LEFT HER OUR FORWARDING ADDRESS. WE WEREN'T TOLD OR GIVEN NOTICE THAT THE CHARGES WERE BEING SENT TO A COLLECTIONS AGENCY. THE COLLECTIONS AGENCY CALLED AND DID NOT STATE THAT THEY WERE CALLING IN AN ATTEMPT TO COLLECT A DEBT, THEY DID NOT VERIFY MY IDENTITY BEFORE THEY STARTED TALKING ABOUT MY ACCOUNT. THEY GAVE INFORMATION OUT OVER THE PHONE WITHOUT GETTING CONFIRMATION THAT ITS THE CORRECT PERSON ON FILE. I WAS NOT GIVEN ANY PAPERWORK LETTING ME KNOW OF THE RIGHT TO DISPUTE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: Colony Brands, Inc.
State: VA

Complaint narrative:
Credit card was paid in full and its showing on credit report as closed. I need it removed for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I called Ditech for payoff information and was told to cancel automatic ACH and to mail my payoff amount. I did both. Unfortunately, they took my ACH ( they didn't cancel it ) and also took my payoff check. They also owed me more than {$6500.00} in escrow. When I called Ditech the first time to inquire about my refund, they said they would refund my money in 20 days. It's been six weeks and I've called multiple times and each time they have a new excuse for not refunding my money -- from the check is in the mail, to there was a printing error. It's never the same excuse. It's been well over the amount of time they said they would refund the check and, as the amounts total more than {$10000.00}, I am anxious to get the money and am worried they will refuse to pay it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Under the Public Service Loan Forgiveness, I sent XXXX XXXX my paperwork to certify. They said i qualified, yet they won't verify and won't give me any information. The paperwork was sent XX/XX/XXXX ... it is now XX/XX/XXXX ... and everyone i spoke with said they are escalating my request to review in 1 week. I called in XX/XX/XXXX. They said call call by XX/XX/XXXX for results. I called in XX/XX/XXXX, they said call in two weeks. I call in XX/XX/XXXX, he told me to stop calling and my call stops with him ( XXXX ). He refused to transfer me. They won't give me any information and won't review my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group
State: PA

Complaint narrative:
I received my first phone call around XX/XX/XXXX ( maybe a few momths later too long ago to remember exact time ) from the Profit Services Group trying to collect a debt from my hospital visit ( while on a military trip ) to Georgia XXXX XXXXXXXX XXXX. I was unaware I owed money to the hospital. After the guy from the Profit Services Group proceeded to tell me i NEED to pay now sounded odd. I called the hospital to find out they never billed my insurance company. I gave the hospital my insurance information and they told me that they will run it but it will not be pulled from collections until insurance pays. I called my insurance company a few weeks later because i was receiving multiple calls from the collections agency and eventually they were hostile and wouldn't allow mw to speak to a supervisor. My insurance company told me they sent out a check about a week ago ( at the time of this conversation around XX/XX/XXXX, XX/XX/XXXX ) and i didn't have to pay anything. I let it go until i received more phone calls telling me i have to pay again, i told them my insurance paid it and if they have any other questions my insurance company told me to tell them to call them. Well the guy said no it doesn't work that way they can call us in the mean time we are putting this on your credit. I called my insurance company back and relayed the message, i gave them the phone number they called collections agency and called me back stating they were rude and didn't get anywhere and they wouldn't give the hospitals phone number. The insurance company eventually got in touch with hospital and worked it all out however, collections agency never let go of collections instead they put it on my credit with three different amounts that is inaccurate. I keep disputing on my credit report but somehow they are saying its valid when it's not. They don't call me anymore except when i keep disputing they keep calling i ignore them because of the ignorance of the conversation. PLEASE help me = (

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In my previously closed complaint, CITI asked me to provide evidence that XXXX XXXX XXXX indeed promised me with the full refund of XXXX dollars. If found, CITI promised to refund me with the remaining money, which is XXXX dollars. I have just manged to find evidence of his promise. I have attached below.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I use a program for my XXXX  business. This program allows me to sync transactions to keep track of expenses and run my business in an organized fashion. The program is XXXX Capital one is blocking me from using the external application. This is a sudden change as it was working flawlessly. 

It is my personal information and I deserve the right to use it. 

This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: ACS Education Services
State: AR

Complaint narrative:
In XXXX when I lost my job I got behind on my student loan at ACS/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by ACS when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However ACS still will not remove the 120 late fee. Recently, while checking my credit report I saw that ACS XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: IL

Complaint narrative:
I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.

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 2018-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
We received our 6 month auto insurance bill on or about XX/XX/XXXX. We noticed it had increased from {$1000.00} to {$1300.00} in six months. In speaking with our Insurance Agent he referred us to someone who would research the issue for us. NOTE : We had had no accidents, citations or other negative events to affect the increase in our coverage. In speaking with this Insurance Rep. she said that a red flag was observed in that we had closed an account we had had for 34 years recently. I denied we had closed any old accounts for years. There was nothing they could do about it because of what they saw reported. They did not receive specifics, so I got my 3 credit reports. I saw that the long held account had in fact been closed in XX/XX/XXXX, however, this financial institution had made a report in XX/XX/XXXX on an account that had been closed in XX/XX/XXXX. I also saw that this same institution had made a report in XX/XX/XXXX on another account which had been closed in XX/XX/XXXX. These reports on long closed accounts have had negative impact on our finances by making unnecessary misleading reports which have caused our rating to go up for insurability.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
We use XXXX to pay our credit card for us. It is wonderful, and we don't have to worry about our bill because they debit our checking account and pay off our credit card every week. It is fabulous. However, Capital One thinks this violates our privacy, even though we authorized XXXX to do this, and they have taken many steps to ensure our privacy and protection. We got this credit card with Capital One specifically for this purpose, to use with XXXX, and we will have to find another credit card if Capital One can't resolve this issue. Here is the letter we received from XXXX regarding the issue : " We are writing to you today to inform you of an issue with Capital One accounts on XXXX. We recently discovered that our bank connection partner that allows us to access your account balances is experiencing problems with their Capital One integration. 


This means that we wont be able to link new Capital One cards to XXXX and any Capital One cards you've already linked will not update with new transactions until this is resolved. Starting tomorrow, we'll pause all Capital One credit cards with XXXX, and if you are using a Capital One checking account we will disable automated withdrawals. We are also going to create extra payments for all Capital One credit cards to make sure any funds in your XXXX account are applied to your cards. 


Our engineering team is working hard to resolve this issue quickly although we dont have a timeline for a fix at this time. We apologize for this inconvenience and will let you know as soon as we have made significant progress and can reactivate these accounts for you. 


This news has been extremely disappointing to us here at XXXX, and we believe that Capital One is not being fair to their users who rely on them for financial products both large and small. We are encouraging all of ours users to contact Capital One and complain if you enjoy using XXXX and other finance apps. You can reach them : On XXXX : @ CapitalOne # protectdataaccess By Phone : XXXX You may also file a complaint with the Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ Sincerely, XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I recently pulled my credit and noticed that medical data systems was reporting on my credit report. I have never been contacted by mail or phone regarding this account, And it's a HIppa violation for medical providers to sell my information to 3rd parties.

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 2018-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
Hello, My name is XXXX XXXX and I currently have student loans with XXXX XXXX. InXX/XX/XXXX my student loan was marked as 120 days past due. During this time in my life I was struggling to pay many bills and as a young person somewhat recently out of school, I didn't understand the importance of credit and the negative effect not paying things on time can have on your credit. Since then, I have learned to budget, I am in a much better place financially and I have systems set in place now, should I ever need them, if I come across a financial hardship so that I can continue to pay my bills on time. I have learned so much from this experience and will never be negligent in regard to paying my bills on time again! I humbly ask that XXXX XXXX XXXX would forgive the negative remark on my credit report so that I may move forward in my life and begin to build a stronger credit health so that I may pursue the American dream and open my own business soon! I was also made aware that it is possible to consolidate all of my loans into one in regard to the way it reports to the bureaus so that it reports as one loan rather than numerous, which can harm my credit potentially. Thank you so much for your time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XXXX SUNRISE CREDIT SERVICE and XXXX SUNRISE CREDIT SERVICE are both of the same account that is reporting to the credit bureaus twice for the same account and changing the balance amount owed. If you were to take a look at the account numbers you can see where they have taken numbers off or added to make like it is a different account. 

I have disputed this account back and forth numerous times for the past months. Each time i have asked them to provide proof that the account is mine and the Sunrise has  failed numerous times to produce the proper evidence. 

This needs to be remove from all of my credit reports because Sunrise Credit has violated the Consumer Fair Credit Act on multiple accounts. 

Both accounts needs to be deleted off of my credit reports.

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 2018-05-17 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
In XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However XXXX still will not remove the 120 late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?

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 2018-05-17 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: AR

Complaint narrative:
In XX/XX/XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the XXXX late finding would be removed. I made the payments and then the loan went back to the regular lender. However the XXXX  late fee was never removed after many requests. Finally in XX/XX/XXXX the loan was consolidated by XXXX. However XXXX still will not remove the XXXX late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?

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