vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I was contacted at work 4 days ago ( Friday XX/XX/XXXX) by someone named XXXX, from Credit Bureau Systems Inc. This call was an attempt to collect a debt originating from an ER visit earlier this year. On that call I explained that I was under the impression that i was not responsible for any portion of the cost of said visit, and the agent took time to explain everything to me. She also reminded me that if i did not take any action this would result in a legal action. We ended the call agreeing that I needed to speak with my coverage provider before proceeding. 

I then began getting more calls at work again on Monday, Tuesday, & Today from the same agent. 

During a conversation again with the same agent, she took a much less civil approach this time. I tried explaining that i simply could not pay the balance today. And the agent began to suggest that i use a credit card. I declined and she continued saying that i have good credit and i should put the charge on a credit card. 

at this point i realized that this call had strayed from the normal and allowable parameters of a Debt collection call, and attempted to end the call amicably, but I only received threats of legal action and anger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Account number : XXXX*XXXX.1 XXXX XXXX DOB XX/XX/XXXX XXXX XXXX I had an XXXX done at your XXXX NJ facility on XX/XX/XXXX. I entered into a payment arrangement with your facility when I received my first bill. I have been paying the agreed upon amount every month since XX/XX/XXXX. I found out today that my account was sent to collections. When I called, I was told that it went to collections because of a " bad " address. I moved to a new home sometime after the procedure was done and after the payment arrangement was made. There is no reason I should be put into collections because I moved. I was told by your people that it is out of our control. Dues to your actions my credit score dropped 82 points. This is unacceptable and needs to be rectified with the credit agencies immediately. 

XXXX XXXX Cc : Federal Trade Commision Quaility Asset Recovery I have called QAR and XXXX XXXX numerous times and do not even get a call back from XXXX 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 2019-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This is a complaint regarding a previous complaint again this company and situation. Against my better judgement I went ahead and paid the SECOND settlement amount given by Kohls to get them out of my life all together. Per previous communication with " XXXX '' in Kohl 's Executive offices after that payment was made they were to force update my credit reports to reflect the account closed, settled, and at a XXXX  balance. Against my better judgement since I already settled the amount over a year ago, I paid the second settlement amount on XXXX and was told then that the force update would be done. On XX/XX/XXXX I received a call from a " XXXX '' in Kohl 's Executive offices stating that the force update was set over on XX/XX/XXXX. This update should have taken no later than 72 hours to reflect on my reports. As of today nothing has been done. I have also called BOTH " XXXX '' and " XXXX '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with NO RETURN CALL OR RESPONSE in reference to this situation. Kohl 's has once again failed to comply to their part of the agreement. This is a breach in our agreement when this second payment was made. They breached their first agreement on settlement over a year ago and now breaching this agreement on the second settlement. This is poor business practice and unprofessional. They have lied continuous and failing to comply to their part of their agreement and not responding to any communication. They can not get away from continuous lying, deceiving, poor communication and treating consumers this way when I have not once but twice attempted to resolve this issue within the last couple years and all they have done is breached their part of the agreements with my payments made. The company needs to be investigated for their business practices and treatment of consumers. As a consumer I am held accountable for breaching an agreement and so should a company when their breach their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: TX

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-27 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: TX

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America ( BoA ) XXXX XXXX credit card. I have configured AutoPay in my online banking with payment amount set to " Amount Due ''. BoA has provided 4 options in their AutoPay config : Amount Due, Minimum Amount Due, Account Balance and Fixed Amount. 

In XX/XX/2019 statement, there was an annual fee charge of {$75.00}. The statement also shows a " Minimum Payment Due '' of {$25.00}. In XX/XX/2019 statement, I see that the AutoPay I have configured only paid the minimum amount of {$25.00}. This caused {$1.00} interest charge in the XX/XX/2019 statement. 

I called BoA 's customer service to ask why my AutoPay did not pay the full amount due of {$75.00} in XXXX. I was told that the " Amount Due '' and " Minimum Amount Due '' in the AutoPay settings are exactly the same - they both just pay the minimum amount of {$25.00}. To pay the full amount due, I needed to set it to " Account Balance ''. It is ridiculous to have XXXXwo different options for people to use, which actually means exactly the same thing. I feel I was cheated and BoA were doing this so they can charge people interests.

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 2019-11-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM 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 non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have been set up on Biweekly payments since XX/XX/2019. On XX/XX/2019 my bank account was hacked while on vacation. As soon as I got back I emailed and called my POC with no return email or phone call. I called again the following week to find out they kicked me off biweekly payments. They admitted that this should not of been done for one missed payment an apologized. During all this I was able to be brought up current ( four payments where made in XXXX ) and placed back on biweekly as of today. Unfortunately they are reporting to the credit bureaus that I am 30-59 days past due which I wasn't because of the error on there end. I am putting a compliant in because I called about this and they don't know how to fix it. This has lowered my credit score and reporting false information. I have had nothing but issues with shellpoint mortgage and my mortgage broker told me to report this to you. they also missed reporting current in XXXX as well so it shows broken reporting

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX from XXXX. XXXX on XX/XX/XXXX. They asked me about a trade in and I did a trade in of my XXXX XXXX XXXX. They left out the trade information on the purchase order and they also had me initial that I was unable to sue them. No one from XXXX. XXXX signed the purchase order also. I financed the XXXX car with Credit Acceptance and XXXX. XXXX said they would take care of the trade in. They gave me {$1000.00} for trading in the XXXX and on the purchase order they listed it as " deferred down payment ''. I only put down {$300.00}. The XXXX. XXXX  I worked with ended up closing its doors in XXXX and there was a list of complaints which probably resulted in them closing. Their address was XXXX XXXX XXXX, XXXX, CT XXXX. XXXX. XXXX is a franchise and there is still some locations open. On XX/XX/XXXX Credit Acceptance signed the release of my title for the XXXX. I believed everything was all set because they would not mail me my title unless the car was paid in full. Later when I viewed my credit report, I seen that I owed Credit Acceptance {$9300.00} as of XX/XX/XXXX. They attacked me stating they were going to garnish my wages if I didn't pay them. I took this discrepancy to court ; in which the judge ruled in their favor and I am now obligated to pay ( court order ) {$120.00} out of each pay check for a car that was traded in!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/19 Requested Ally Bank the owner of my personal CD of {$120000.00} to be cashed and transferred to my bank account. As of XX/XX/19 XXXX my funds have not been transferred. I have called the bank at least once every day and talked to supervisors who just tell me to wait and give me no firm date or explanation of why my funds have not been transferred.

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 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX  XXXX entered into loss mitigation program with PNC Mortgage XX/XX/XXXX partial payment was returned. When I asked why they had no idea! I tore up the returned check and they reapplied it to my account. 
XXXX  XXXX completed loss mitigation program with no late or incomplete payments. 
XX/XX/XXXX I contacted PNC to be sure that I should only pay normal monthly mortgage payment. I was informed that I still owed {$2800.00} in fees but have the rest of the life of the loan to pay these and to only pay normal payment. I did go ahead and send a check for half of the amount of the fees ( {$1400.00} ) dated XX/XX/XXXX marked to be applied to the fees. Check was cashed by them on XX/XX/XXXX however, the money was never applied to the fees XX/XX/XXXX found out that my credit report erroneously reflects that I have several late payments XX/XX/XXXX contacted PNC to have them remove the erroneous reports but they refused even though they show that my payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up the Citi checking and saving accounts in XX/XX/2019 via the promotion. I was supposed to receive a {$500.00} cash bonus for completing the deposit and direct debit requirements according to Citis advertisement. I contacted Citi several times during this process. Each time I was told that I had completed all the requirements. Citi guaranteed the bonus should be deposited before XX/XX/2019. I have attached the previous chat logs with Citi. However, the time has long passed but I still have not received the promised bonus. After contacted Citi one last time, they told me I was not qualified for the promotion, which was against with what they told me before. I believe Citi lied to me and gave me, the customer, the wrong information during this entire process.

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 2019-11-27 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: NC

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX  XXXX  ACCT : XXXX AMT : {$750.00} XXXX ACCT : XXXX AMT : {$660.00} XXXX XXXX  XXXX ACCT : XXXX AMT : {$860.00} XXXX XXXX XXXX XXXX XXXX   XXXX AMT : {$3900.00} JXXXX XXXX XXXX   ACCT : XXXX XXXX : {$5900.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$2700.00} XXXX XXXX XXXX ACCT : XXXX AMT :  {$5000.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: LA

Complaint narrative:
XXXX XXXX transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM 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 2019-11-27 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: LA

Complaint narrative:
XXXX XXXX transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
When I purchased my vehicle my credit score was not the best. Chrysler Capital charged me a very high interest rate to get my vehicle loan. The interest rate was between 16-17 %. 

Unfortunately the monthly payments for this loan has become very hard for me to make. I have called and spoken to Chrysler Capital several times to request my interest be lowered and explained the circumstances. The only thing Chrysler Capital has offered to is put the back payment to the end of the loan. This loan seems to never get lower and it is still very hard for me to make these payments. All I want is to have the interest lowered so that my monthly payments can be lower and that the loan can be paid off sooner. At the rate of 16-17 % this vehicle will never be paid off and the car is way underwater. 

Chrysler Capital will not assist me with this. They have right out said no we will not refinance nor will they lower the interest rate on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
For the last three years, I have been trying to open up an account at PNC Bank but they have repeatedly refused and never told me why. They always tell me to call XXXX XXXX XXXX, which refuses to provide even a general reason for why I am unable to open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.

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