vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company rep. from XXXX XXXX XXXX XXXX has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX XXXX has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from Debt Recovery Solutions , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ),  ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Attempted to contact credit customer service on XX/XX/2020 to obtain a credit balance refund, was waiting for one hour and twenty minutes on hold to speak with someone, finally, hung up the phone. Since, the account has a credit balance of {$120.00}, please issue credit to the bank account on file. The account on file has a routing number ending in XXXX and account number ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a bank of america checking account apparently someone called a teller on XX/XX/2020 asking to make a transfer to my Bank of America Credit card payment of {$1500.00}. I noticed the on XX/XX/2020 that my checking account was lesser of {$1500.00} Called the Bank of America right away on that day ( XX/XX/2020 ) I never gave authorization to any teller to get money from my checking account to be transfered to my credit card.. I have been transfered to the escalation Manager and told me that I have to file for a check account fraud which I did. I closed my checking account with their suggestion and open a new one. 
On XX/XX/2020 i noticed that there was a transfer from my Bank Of America credit card amount of {$900.00} to another account ( which I have no idea whose account it is ) Called again to customer Services and filed another claim this time a credit card fraud.. 
Bank of America has been giving me a run around saying that credit card fraud should be able to assist me when I call credit card fraud they say I have to call Checking account.. 
I have 2 claims from them and I never get a straight answer.. It either 6-10 business days and 10 business days is up, I gave them a another call for an update and they said that they will send me the money by mail but only the {$900.00} ( which I dont even know if i will receive it ) because I made a promise that I will pay the credit card ( which started the whole ordeal ) tried to explain it them that I never made a phone call I never promised to pay {$1500.00} to my credit card I never talked to a teller..someones using my name and my information. Im tired talking to 20 different people spending 3 hours on the phone with them and I have no way of knowing if I will get my money back {$1500.00}. It is my hard earn money and they just took it without my authorization..

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank made a change so XXXX Online can not link to it any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I had a lease with Chrysler Capital. My account from day one was on automatic payments and was consistently paid on time at the first of the month. For the final payment, they, in their words, " manually cancelled '' my automatic payments causing me to miss the cutoff. I called in to ask about how to handle the lease return, and the person on the phone told me I was past due. I immediately paid because I had no idea I had missed a payment since it was on automatic payments. The lady on the phone told me not to worry about it and it would not be reported. Several days later, I get an email from my credit reporting that says I was delinquent on a payment and my credit score was knocked down by 49 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have this issue with both XXXX XXXX  and Capital One credit cards. 

Currently, I do all of my banking with XXXX XXXX XXXX XXXX. I now have {$35000.00} worth of credit on cards any time I want it plus a {$25000.00} line of signature credit any time I want it. 

Now, both XXXX XXXX  and Capital One cards in their fine print that says if a card isn't used for a year they will drop you as a customer for non-use. XXXX XXXX XXXX XXXX  was like {$2500.00}, and Capital One had gone to something like {$12000.00}. ( At 26 % credit? Vs the 5.99 or 18 % of XXXX XXXX? I don't think so ) So I waited 18 months, then called them up and asked " Why am I still a customer? I don't like you, trust you, or respect you. But I'm NOT willing to request you to drop me as a customer because I don't feel I deserve the hit on my credit score. So, why haven't you dropped me? '' They hemmed and hawed but essentially the bottom line is : " We don't know why you're still a customer ''. So, how can I lose these two cards and NOT have it affect my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage was sold from XXXX to Shell Point Mtg. I have not received any statements or requested documents in months. I'm trying to get this paid and they will not send me a statement or itemized bill. My records show a balance of {$34000.00} and they are saying its well over $ XXXX. Also, the online website for my account will not give me access. I have called several times with no assistance. This is borderline fraud. Please help with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Good Afternoon, I've came across this article : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ And I'm inquiring about more information about it because I have two student loans from XXXX  XXXX student Loan that I've been sued to pay. I've been paying on the loans for about 5 years now. I'm also inquiring to see if I'm one of the 800,000 accounts that are being audited? God I hope!  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I was behind in payments with credit acceptance. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.

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 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point

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 2020-06-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2020- I saw a sudden drop of 67 points in my credit score. My credit use increased by {$2500.00}. My total credit use is  $ XXXX 6 % of my credit limit of {$91000.00}. 

XX/XX/2020-at XXXX XXXX  EST I reached out to XXXX XXXX   asking what's the reason of such a massive drop. There was a home rental inquiry apart from the credit drop. I got a copy/paste automated response telling me nothing but that it has dropped because of my credit use increase. I further asked what's the metrics used or formula or any empirical barometer used to gauge this drop or is it at the prerogative of XXXX XXXX, Transunion, XX/XX/XXXXor XX/XX/XXXXto destroy my credit at their will. 

I got no response but that I should use my credit carefully. 

XX/XX/2020- I visited Transunion 's online dispute portal but after manuvering a while I found out that it's only a dummy for namesake dispute. It doesn't work- there are operational links and it doesn't navigate functionally at all to accept a dispute. I have a screen video of that. 

XX/XX/2020- at XXXX XX/XX/XXXXEST I called Transunion at XXXX XXXX XXXX and spoke to XXXX. After the initial screening I told her that the online dispute form is not working to which she said " how can I help you '' I asked her why my score dropped so drastically about 67 points. And she became rude and said you should not use so much credit. Upon that I asked what's the system, calculation or metrics to determine my score or its weightage. To which, she rudely asserted that she doesn't know that. 

I finally asked her if the Transunion can destroy my credit at their own prerogative without any rhyme, reason or empirical evidence. To which she said no but that I should watch my spending. 

Last but not least after my credit score dropped- I immediately started getting mortgage offers at higher price than before.

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 2020-06-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to mark my legitimate credit disputes as frivolous. I'm starting to interpret that as willful non-compliance in their continued reporting of a negative information that does not belong to me to me. See attachment.

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 2020-06-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

On is XX/XX/2020 and I still haven't even heard back from these Companies yet. 

They responded on XX/XX/2020 with adjustafiable information. 


The company did not fix anything & stated basically they maybe thought I was a attorney working on this for a consumer or not who I say I am, but I sent my documents proving who I am like my SSC & drivers licensee & stuff. My letters were very detailed and anyway it's been over more than 30 days with no response so by law all details has to be fixed. All my information was clear. Even the CFBP agent seen everything clearly & understood. They wasn't sure why neither. I will take legal actions

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Well, Chase Bank has as part of their EULA on their credit cards that if a card isn't used in a year they'll drop you as a customer due to lack of use.

With {$35000.00} worth of available credit on cards if I wanted them, and another {$25000.00} on a signature loan if I wanted it, I have no desire to have this small value ( {$2500.00} ) high interest rate ( 26 % ) card on my account.

I waited 18 months ; called them up and they couldn't give an explanation why they hadn't dropped me as a customer. They agreed I should have been dropped- but they refused when I called them. I refuse to fill out the paperwork to BE dropped as I don't want to take the " hit '' on my credit score. 

So this is a rather unique situation where they refuse to drop me as a client. 
I refuse to fill out the paperwork to be dropped.

The balance has been " 0.00 '' now going on 20 months ( as of  XX/XX/2020 ) so I'm filling out the OPPOSITE kind of complaint you normally would get!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ( account resolution services ) did not verify what they are stating that I owe all it says is you owe this much to us for services at a company. They would tell me nothing more then that. The refuse to tell me what services I had or how much these services I supposedly had were. No one can tell me why I owe that much or what I owe that much for. But they keep sending me letters that it is valid and I do owe them. They refused to remove it several times. Furthermore they only sent me letters saying it was valid debt after 30+ days from receiving my validation letter. So they should have removed it on this alone. I cant work with them and they give me no information other then paying them they dont offer any information or solutions

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 2020-06-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I was behind in payments with XXXX XXXX. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
I had spoke with three different people at the 1st heritage credit location in XXXX MS we had agreed to make a one time payment of and work out the rest.. I then the very next day got an email from a XXXX saying I needed to make a payment I had been tested for covid that day and this has been an ongoing process I have had three tests and have been off work for three months in and out of the hospital I have been told that the people have shown up at my house demanding money. This is harassment

Company response to consumer: Closed with explanation