vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Solutions, LLC (KY)
State: SC

Complaint narrative:
In late XXXX of 2019 I was contacted by Credit Solutions , Inc. located at XXXX XXXX XXXX , XXXX, KY XXXX about a medical bill I owed. The person I spoke with told me I was setting up a one-time payment only and that I would be able to pay monthly. I agreed to this because I am self-employed and never know exactly how much money will be in my bank at any given time. I have been self employed for over 20 years and it is a policy of mine not to EVER authorize automatic payments for just that reason. 

On XX/XX/2019, Credit Solutions Inc. took {$110.00} from my bank account. I NEVER authorized any automatic payments to be deducted from my account. I contacted my bank to get a phone number, and called that number. I was SHOCKED when the person on the other end of the line said I had authorized automatic payments. I NEVER DO THAT. I forcefully explained that I never gave authorization for automatic deductions to be made, and that if there was some misunderstanding on their part and they thought they did have authorization, I RESCINDED any authorization for them to make any automatic deductions from my bank account at any time in the future. 

They said they would stop the automatic deductions, but I can not believe that, since they never had authorization to begin any automatic deductions. 

I am seeking help from CFPB to ensure that the automatic deductions are stopped and if possible to prevent Credit Solutions from doing this to anybody else in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
There is a dispute with a deposit at a hotel and the money refunded was refunded late and then they close my account I want to pay the debt and reopen the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MN

Complaint narrative:
I have student loans that are being serviced by Great Lakes- XXXX WI. I have always paid on time and am actually paid ahead to XX/XX/XXXX. I am currently paying XXXX per month on auto pay. This last month I paid my XXXX and then also paid an additional XXXX which I did a custom allocation for to payoff my 2 loans that are at 6.55 % interest. When I checked my payment application it shows that only XXXX went to my higher interest rate loans and {$XXXX} went to the 4.25 %, {$XXXX} to the 3.15 %, and XXXX to the other 3.15 % interest rate loan. It clearly states that any additional payments will be applied to the higher interest rate loans and that has not happened the entire length of my loan. I called in several times about this issue and I am always told that they first have to apply my payment to the regularly scheduled payment and then any additional will go to the higher interest rate loans. I advised them that my next regularly scheduled payment is not due until XX/XX/XXXX but they insisted that the next payment will satisfy that payment pushing my due date to XX/XX/XXXX and any additional from that will then be applied to the higher interest rate loans. From my experience, when a loan is paid ahead, accrued interest should be paid and other funds should go the highest interest rate loan but they are not applying the payments this way. I searched online and this looks like many student are being deceived by Great Lakes. There are many complaints with the XXXX. Also when I was on the phone it seems that students that elect to autopay payment are handled differently than those that do not autopay. I was told I can only pay extra on the same date as the autopay to have it apply the way I want it. Because I am on autopay I only get 1 day to pay extra on my loan. People that are not on autopay get a 30 day window to make extra payments and have them apply per their custom allocation and to go to higher interest rate loans. This practice seems deceptive and when students pay extra and get ahead all principle should be going to higher interest rate loans not a regular payment that is due in 2.5 years ( as my student loans will be paid off by then anyway )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Keys Auto Finance Inc
State: CA

Complaint narrative:
I have contacted Keys Auto Finance directly, as well as, XXXX, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$590.00}. This account balance is {$0.00} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I contacted my loan provider and made a payment a few months ago. i was late so there was a late fee and the agents on the phone asked me if i wanted to pay the late fee. i told them i did and my card was charged for the regular payment amount plus the late fee. this happened a couple more times, making a payment late and adding in the late fees to the regular payment, in a row untill i noticed the late payment fee was really big. when i asked the agent why the fee was so large i was told that the extra payments had been going to the principal not the late fees, the company policy was to apply any extra payment when a payment is paid late to the principal. every time i called i was asked if i wanted to pay the late fee which i said i did. i was never told that the payment would not be applied to the late fees, in fact they asked if i wanted to pay the late fees knowing the payment extra would not be applied to the late fees. i spoke to a supervisor to ask that the payments i intended to be applied to the late fees be reallocated from the principal to the late fees owed, but was told they would not be doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 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:
I have contacted XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-10 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: CA

Complaint narrative:
I have contacted XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CA

Complaint narrative:
I have contacted XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-10 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT.I HAVE NO IDEA HOW THE ACCOUNT GOT ON MY CREDIT AND I WOULD APPRECIATE IT IF YOU COULD PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. 
I HAVE A LOT OF THINGS I WOULD LOVE TO ACCOMPLISH AND BECAUSE MY CREDIT IS IN SUCH A HORRIBLE STATE, THERE IS NOTHING MUCH I CAN DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I've disputed alleged account ( s ) XXXX and XXXX with previous collection companies this year and it was proven that both accounts were not my account and was removed from my credit reports. This account was acquired from a portfolio of debt and im tired of disputing this debts even though I was relieved from these alleged accounts. I've seeked counsel XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to resolve this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
My account with One Main Financial became past due. XX/XX/XXXX I asked if I could pay a smaller amount to avoid 30 days late. They would not accept. XX/XX/XXXX Once 30 days late I attempted to pay the past of $XXXX but they said it was not enough and payment not accepted  and it was sent to legal dept. Legal dept demanded min $XXXX payment to pay balance of XXXX. I told them I needed a lower payment. XX/XX/XXXX I called legal dept to request a lower payment. The rep said the account had to be paid within 6mths or law suit. XX/XX/XXXX I requested $XXXX arrangement to avoid collections. I also contacted One Main for a payment arrangement. One Main kept referring me to legal and did not tell me the account was being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I contacted Bank of America via mobile app on XX/XX/, 2019 to advise them I had fraudulent activity on my account on XXXX XXXX, 2019. I advise that the charge was fraudulent inducement from a company that promised products and services that they never provided. My initial attempt was made to the company to try to get my money back but I received a message that the company had been closed permanently and was currently in receivership for an induction order placed on them by the FTC for fradulent inducement, false representations, unfair deceptive acts, and other charges. After speaking to a bank rep via the phone in less than 24hrs I received an email stating my case was closed and the bank was not able to " get into the receiver 's account '' to get my funds back. I called multiple times to let them know that this was fraud and the company is no longer in business and I have only been advised that I can't get my money back because I wired the funds and did not use a check, debit, or credit card. I believe this is unfair after being with a company for more than a decade with the thoughts that I would be helped in protecting my money from lying, deceptive, vultures preying on people looking to create a living and hopefully a little wealth for their families. Bank of America did not offer any help in this matter and I think that all of their consumers should know that this bank is not for its people.

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 2019-12-10 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am the co-signer for 3 commercial vehicles through ALLY. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and Ally closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called Ally and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. ALLY claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from Ally that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. ALLY reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with Capital One in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from the three major credit bureaus. The accounts have XXXX balance. 

1. Accounts are the following : 1 ) Capital One XXXX opened on XX/XX/XXXX. Status : Closed. Balance XXXX. 
2. Capital One XXXX opened on XX/XX/XXXX. Status : Closed. Balance XXXX I demand a deletion letter so these items can be removed from my credit report, since it is causing me high levels of stress. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : - Letter sent to Capital One on XX/XX/XXXX - FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and Santander Consumer USA have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Resolved debt through XXXX XXXX XXXX selected by debt reduction company Freedom Debt Relief in XX/XX/2019 for {$11000.00}. The precedings were held in XXXX, NC. The law firm as well as XXXX have filed documents concluding the debt collection. Freedom Debt Relief has not acknowledged the resolution and they have not adjusted my account. I have called and emailed several times but they have not performed their duties in accounting for the debt resolution. They wish to continue drafting my account monthly and collecting fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Mariner Finance have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

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