vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: NV

Complaint narrative:
This complaint relates to Flagship Credit Acceptance ( referred to as " the Company ''  below ) is twofold : 1. The first part relates to the company 's conduct at routine times when a payment is late, where the company employs dialers and repeatedly calls consumers to attempt collection of debt even if they are on a no call list and have opted out of such communications. They justify this by forcing an " acceptance '' to such communications at the time of speaking to a representative by placing the " acceptance '' as a condition to having a conversation with the representative essentially preventing customers from resolving such issues while exposing them to the added stress of repeated calls if not addressed. For a customer who suffers from XXXX this isa serious issue with no resolution. 
2. The second part relates to the company 's conduct during this COVID-19 crisis. As a self employed individual who has always made sure to make my payments on loans despite having gone through medical and financial hardships, I reached out to the company for a deferral of the payment for XXXX. Their response was ( unlike other financial companies who sincerely try to assist customers during this time ) having the agent on the phone play a recorded message explaining that such a deferral ( if approved ) will result in additional interest and fees ( essentially no different from simply paying 30 days late and suffering the consequences ). Separately, the company refused to even put in a request for such a deferral as I wouldn't provide them with an additional contact person they can call in the event that I miss a payment - despite my explaining that I have no one for them to call, I live alone with family overseas. 

Important to state is that this company has been charging an aggressive interest rate of almost 20 % for my car to begin with. In short - Flagship Credit Acceptance takes cynical advantage of their customers - especially during such challenging times and refuses to genuinely provide assistance - even to loyal, paying customers such as myself - who are self employed, alone and without other options. 

I sincerely appreciate your assistance.

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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I contacted SPS on XX/XX/2020 to ask for assistance because as a self employed due to COVID 19 affecting my state of Georgia I was out of work with no income. They contacted me on the XXXX of XXXX advising me that they will put my loan on forbearance for 3 month, but I have to pay a balloon payment on XX/XX/XXXX if they can not find other workout for me. Which mean loosing my hone. This was what XXXX gave them as an option. 
How can I pay almost {$6000.00} in XX/XX/XXXX if do not have {$1.00} as income today?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/20 XXXX XXXX, after attempting to log on to my American Express Blue Bird Account, I recieved an email from XXXX, signed by " The Bluebird Team '' .The email stated " your Account privileges have been permantly suspended. " The Blue Bird Team '' would not allow me to email questions, to talk to customer service or communicate my horror of being cut off from my life savings, social security direct deposit, and all other very important financial tools.I am a XXXX vet, retired American citizen, payed taxes, worked all my life to accumulate approx {$65000.00} in this Account.I used account for more than 4 years.I have all XXXX proof of Social Securiy direct deposits, personal deposits and Blue email acknowlegement of all transactions.The Blue Bird Team stated in the email that I could " inquire further '' by writing to Blue Bird Customer Care, XXXX. XXXX  XXXX, XXXX, Ga.I sent requested inquiry by USPS registered mail on XX/XX/20 XXXX XXXX XXXX XXXX, the letter was recieved and signed for, confirmed by USPS Tracking.It is now XXXX desperately need my money, and am not getting any answers from American Express Bluebird. This situation is causing great financial harm, and emotional distress to myself, and other family dependent on me.I have been told that the United States Consumer Financial Protection Burea could help me with this critical issue.I am filing this complaint as a result, prior to consulting appropriate attorney and legal remedies.I am consenting to CFPB to publish this description on consumerfinance.gov, so that others can learn from my experiance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NJ

Complaint narrative:
XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report

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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I reserved a trip with XXXX for a trip in XX/XX/2020. They took payments out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$780.00}. On XX/XX/XXXX I received a letter from XXXX stating all trips have been canceled and I must contact bank for refunds. Company stated they would not be able to issue any refunds. I contacted bank to dispute the 4 transactions after trying to reach company with no luck. No answers from phone call and no return phone calls. USAA said they cant refund me and I must contact the merchant. However the merchant cant be reached and I was informed to contact my bank. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report

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 non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
simons agency collections has reported multiple time the same debt owed to all3 credit reporting agencies. 
it appears on my reports multiple times for same amount XXXX $ ive settled this debt ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
So. There was a conversion of my bank, peoples United bank bought XXXX XXXX. My bank card on XX/XX/XXXX got shut off, I was unable to check my account over the weekend. I was sent XXXX via XXXX, and then XXXX and XXXX dollars. I then in turn sent XXXX via XXXX and XXXX via XXXX. I spent the XXXX. So I sent that money out without the money being in my account. I have reached out to XXXX and have successfully gotten through and was told it was due to my bank. When I spoke to a bank associate I was told due to the conversion it was not there and they will be resolving my issue by the end of week it was completely bank error and if any fees were incurred to call them. Today I was charged XXXX over draft fee and when I called them I was told it was not bank error and there are no notes on my account. When speaking to a supervisor I was once again told she will try to resolve and call me back but will reverse my XXXX over draft fee but doesnt see anything with the XXXX shell try to make a call to resolve. I am currently unemployed due to the pandemic and XXXX dollars is quite a lot of money to someone who is losing income. Im begging to please get this resolved I need that money to pay my bills to buy groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX. XX/XX/2018. Multiple accounts and dollar amounts. 

Due to my health conditions I am unable to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Through no fault of our own, Walmart sold their credit accounts to Capital One, it has shown up on our credit report as new accounts were opened, they were not.The accounts we already had, they were sold, The same happened with Gateway One whom we had our truck financed through, They sold the account to XXXX  XXXX  XXXX.It showed that we opened a new account, we did not, that account has been active for quite some time, it was just sold,. We are being punished in that these events have significantly reduced our credit score and now we can no longer purchase a home as we were planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I was to check my bank account and noticed there is transaction that pertains to company Comdata. I do not have account with them, nor purchased any services from them. They withdraw from my account {$4300.00}, and made my account to go into negative status. I attempted to call them at multiple phone numbers : and finally got to XXXX at XXXX. She listen to my compliant and transferred me to XXXX, who was very rude, and transferred me to XXXX. I told to XXXX XXXX would like to know how did they get my account info, and she told me : Call your bank, we do not have anything to do with that. I stated to XXXX, that I am, and that they will be reported to Government agency for hacking into peoples accounts, and getting money they way the wanted. I want to report you this fraudulent transaction, and please if you can contact Comdata. Once again, I never gave them authorization nor bank account number, so I have no idea what this charge is. 

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I purchased an XXXX  XXXX XXXX  with my Barclays Card with XXXX Rewards in XX/XX/2019, understanding that a promotional 18 month 0 % financing offer would apply as it has on previous purchases over {$990.00} I'd made at XXXX XXXX with that card. I immediately setup automatic payments to cover the balance of the charge over the 18 month period and figured all was well. I realized now that they've been charging me interest, claiming that I needed to contact them before making the purchase ( or within an arbitrary period of time after the purchase ) in order to get those terms. That is not spelled out anywhere on Barclays or XXXX 's websites. This is misleading and unjust.

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 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity bank calls our number and asks if we are XXXX XXXX, who had this phone number before we had it. We have pressed the number to say we are not her but they still keep calling 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank- An individual or group of individuals have accessed sensitive information and are now calling in to document fake reports on my name and have blocked me out of my checking account. Its a collective group of individuals doing a mass fraud scheme and have simply targeted me for whatever hateful and spiteful reasons ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
I have never had an account with ENHANCED RECOVERY CO L  nor XXXX the original creditor. I have requested a debt validation from them more than twice to no unveil. I would like to see the original contract that I signed showing my signature SSN, and D.O.B, as proof that I owe this debt. I would like for this collection to be removed from all 3 of the CB because I have never received validation of this debt, per the FDCPA. Besides this is hurting my Credit Score and I am trying to purchase my first house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I have my mortgage ( loan # XXXX ) with The Money Source Inc and contacted them to request a forbearance due to hardship during this coronavirus situation. I would like a three month break on my payments, and for those three months to be added to the back end of my mortgage. I emailed my request and then spoke with XXXX XXXX, VP Customer Service, XXXX Ex.XXXX. She explained that the company is only offering a waiver of three months payments and then all FOUR months payments are due on the same day. This is not what the President and Congress set up for us with the Federal Relief Act. If we could make that huge payment we wouldn't be asking for this temporary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I went to the hospital complaining of XXXX  of XXXX  and XXXX XXXX  in XX/XX/2016. I stayed 3 days and was treated for XXXX and XXXX. A year later I received a bill. I immediately contacted the hospital and my health insurance carry to get an explanation of why the bill was denied. However, the representation informed me the appeal process time had passed and it was nothing they could do to assist me. Furthermore the claim was denied with 24 hours of me getting admitted of which I was not informed. I recontacted the billing department at the hospital and was told to email the billing supervisor of which I did but no response. I said that to say if I would have received a bill in time enough I could have appealed my health insurance decision. This bill has now been place in collections with Transfinancial Collections and the hospital has no records of the bill because its no longer in their system. I have never did any business with transfinancial company and I believe this is a HIPAA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: KS

Complaint narrative:
XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to  be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am trying to get Experian to deliver an update to my credit report and score. I am being told by their company that because I do not have any rotating or installment debt, they will not give me a credit score. I do have several updates for dispute, but the Experian customer service told me I am not being published as I don't have a FICO XXXX score. XXXX  and XXXX  are reporting fine.

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