vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AGN Auto Gallery Inc
State: GA

Complaint narrative:
I was late on my payment and got threatening, XXXX, and degrading voicemails from the owner of the auto lot. The owner has threatened me on my voicemail on numerous occasions and have threatened to have me falsely arrested. Unfortunately, I am a young XXXX male and him calling the police on me could be catastrophic in the world we live in. He continued to refer to other past customers that he has had arrested  and has threatened to tack on thousands of dollars if I did not show him my odometer to verify that I wasn't driving a lot of miles. 

I was left threatening messages on XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I have recordings. I also have a number of messages from previous months. The owner has referred to me as " XXXX  '' in a XXXX connotation and has also referenced " Obama '' and getting things for free in the voicemails in a XXXX connotation. 

His salesman sent me a text message citing verbal abuse, inappropriate behavior on the job, verbal harassment, offensive language towards employees and customers, and drinking on the job as his reasons for resigning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Dear PHOENIX FINANCIAL SERVIC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to Experian, XXXX, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with Experian but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Problem with fraud alert and not reinvestigation results I sent Equifax a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, XXXX, Equifax must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. 
I sent a copy of all three credit reports to XXXX, XXXX, Equifax showing and where each agency is reporting different information, which makes the information inaccurate. 

Please see attachments for accounts in questions and for details. 
After Equifax received my valid proof of information. I received a letter with no answer at my dispute, XXXX XXXX and XXXX accounts are still reporting and a fraud alert has been placed on my account. 

So, the company did not fully investigate my disputes and yet add a fraud alert to my account, which I did not consent too. 

Please note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
I received an email from Citi Bank on XX/XX/XXXX advertising that if I open a checking account and deposit {$15000.00} for 60 days I would receive a {$400.00} cash bonus. The full terms and conditions can be found at this link XXXX XXXX   XXXX? XXXX I opened and funded ( {$15000.00} ) an account with Citi on XX/XX/XXXX. I called Citi shortly after and confirmed that my account was in good standing to receive my cash bonus. Shortly after XX/XX/XXXX I called and confirmed that I had met the requirements to receive my {$400.00} cash. I was instructed that now that I have met that requirement, I could withdraw money from the account. On XX/XX/XXXX, I withdrew {$5000.00}. 

Today, XX/XX/XXXX, I called Citi 3 times and each representative has hung up on me. The last representative that I spoke to, XXXX # XXXX, instructed me that the promo code attached to the account matched the promo code from my email ( and the link above ) but the terms of conditions were completely different. That I had to pay a bill two months in order to receive a gift card or " thank you points ''. None, of which are mentioned in the original promo email. 

According to the original promotional email ( or link above ), I am owed a {$400.00} cash bonus deposit from Citi.

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 2020-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Synovus Bank
State: GA

Complaint narrative:
My wife and I bought {$10000.00} worth of IRAs from Columbus Bank and Trust Company ( CB & T ) from XXXX to XXXX in XXXX XXXX, Georgia. I have recently found them, the CDs, in my desk in my house as I forgot about them completely. CB & T was bought out by Synovus Bank. I have attempted to redeem the certificate of deposits to an individual retirement account from the bank along with all interest. I have spoken to branch bank, then to the main branch in XXXX, Georgia. The main branch in XXXX said they will talk to the main branch in XXXX to a historical section of the bank to find out about these CDs. I have spent 3 months trying to resolve this with the bank and have been unsuccessful. My daughter has spoken to the branch in XXXX numerous times and she was assured that a satisfactory solution would result. I have not received any funds or a reply from Synovus Bank about what happened to the CDs. My telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: TN

Complaint narrative:
In XXXX of XXXX an Insurance sent a lump sum payment of {$2100.00} to One Main to for payment on a car that was totaled and used as collateral for my loan. When One Main applied the principal to the loan it only brought the loan amount due by the sum the insurance company paid in. I thought it would be reduced by that amount plus any interest that would be saved by not owing the {$2100.00} anymore. The manager informed me I had Precalulated Loan and they would not refund any unearned interest until the entire principal was paid. I continued making the monthly payments and decided I would call One Main to see how much interest I would be getting back as I knew the principal would be paid in full soon. I was then told that they do not refund the interest as they do not negotiate the note. I paid the loan off in full XX/XX/XXXX. I computed what I owed in total payments up to XX/XX/XXXX in the amount of {$5600.00}. In actuality I paid them {$8000.00}, which is an over payment of {$2400.00}. 
I made my regular schedule payment and paid what they computed final principal balance of {$600.00} on XX/XX/XXXX. It is unfair they had use of the money and still treated it like it was due and payable and the interest should be paid on it. I perceive it to be unearned interest which should have been refunded once my principal was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
For the past 10 years I have been disputing 3 items on my credit report with XXXX all three items are from a credit bureau by the name of Portfolio Recovery. I send in a new dispute every couple of months and they just reply they have verified. I have called Portfolio Recovery and the only thing they can provide me with is a list of charges someone made on credit cards from 2010. 
I have tried to sue Portfolio Recovery and when it got before the judge he just said he can not make someone show up in court from another state. 
I tried calling XXXX and the only thing they can do is file yet another dispute and someone claiming to be the manager first name XXXX refused to give last name said I could wait until it drops off my credit report. 
These are not my charges and I keep asking for them to verify not just from someone stating yep its yours I want a signature from when the account was opened or on any of the charges. XXXX states that's not up to them to verify other then ask Portfolio and Portfolio says they just have a list of charges and no signature for opening the account and no signature when charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 — Their investigation did not fix an error on your report
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
The XXXX account negatively effecting my credit report was a mistake. I paid and closed the account. They still reported it to the Credit Bureau. I disputed the charge 4 different times, the case wasnt looked into. XXXX says it was a mistake and they have filed a request to remove it from my account but still nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, Transunion, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.

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 2020-01-08 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: OK

Complaint narrative:
XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, XXXX, and Equifax. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-08 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: TX

Complaint narrative:
The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}

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 2020-01-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Transunion a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, Transunion, XXXX must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. 

I sent a copy of all three credit reports to XXXX, Transunion, XXXX showing and where each agency is reporting different information, which makes the information inaccurate. 

Please see attachments for accounts in questions and for details. 
After Transunion received my valid proof of information. I received a letter showing deletion of all the accounts, but XXXX XXXX XXXX and this account is still reporting inaccurate information between bureaus. 

Please note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.

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 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I been contracting capital one for 5 months they do not take my called The bumper they have on file XXXX when I put my social security number in the phone hangs up on me and every number I XXXX does the same thing so I can not work out a deal with capital one because they are making it impossible for me to get in contact with them my balance with capital one was only {$800.00} and they are reporting {$1400.00} they are charging me 56 % interest my credit card was only for {$1200.00} If capital one does not want to speak with me they need to take this account off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. So I had to get my loans refinanced and this was part of the refinance but XXXX XXXX University keeps reporting some ridiculous amount of 120 day late payments. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this loan account. I will attach a picture of my payment history that shows me refinancing it and being current ever since. And I would truly appreciate this and would be able to put my family in a better situation. These 120-day late payment that are still reporting are truly killing my score and chances of bettering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}

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