vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: DE

Complaint narrative:
The interest rate is computing at 22 % I believe the logarithm is calculating incorrectly. I keep challenging the way the calculate is being assessed mind you there is no Cash Advance balance. I believe that I am being subjected to the Usury Act practices. No one will manually calculate the interest and the balance continuous to be maxed out or over the limit even when paying more than the minimum balance. 

They increase the line by XXXX and within a few months with very limited charges the balance has max by credit line to over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
This isn't a duplicate complaint. If what they did is true when I had signed for my new vehicle trade line on my XXXX XXXX XXXX and what they have stated say that when I had signed for my new vehicle my old deadline or contract on my XXXX XXXX XXXX was still on my report before it was deleted and was put into consideration for my new interest rate than why did my interest rate increase after 6 plus months of on time payments and they also financed me for 2 to 3 payments longer at a lower payment as well but thatisnt the issue the issue is those extra payments is extra money in there pocket they are not entitled to and should have been given a Lower one because of set conditions. On time payments should lower not raise interest rate.

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This company has allowed a credit card to be opened fraudulently in my name. 
XXXX XXXX I have already provided an identity theft report and I am not recieving any assistance from this company on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On today, XX/XX/2018, I called Equifax at XXXX- XXXX- XXXX to verify collection accounts in order with FCRA, section 609 ( a ) ( 1 ) ( A ). They absolutely refused to comply and told me those erroneous accounts will stay on my credit report for 7 years. As, well as, they also contain various multiple accounts with different account numbers for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I called the company to let them know I do not owe them the debt the person I was speaking to get hostile with me told me my credit would be damaged my work check will be taking in my federal government taxes would be taking to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
They were informed on XX/XX/18 that they were to stop calling me at work. I received several calls after they were told to not call me at work. I have the following confirmed from caller id : XX/XX/XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX ; XX/XX/XXXX at XXXX XXXX.. They were again informed on XX/XX/18 to not call me at work and that the only time I could accept calls were after XXXX XXXX. I received another call on XX/XX/18 at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have been notified that Portfolio has placed on my credit reports that I owe them money. I do not have a contract with Portfolio and they can not prove any proof of signature or that I have a contract with them. They are demanded to immediately remove their reporting from my credit reports or pay me XXXX for defamation of my name/credit. The other complaint I have against them they have not even responded too. This company is conducting shady business and breaking many laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: ACS Education Services
State: MO

Complaint narrative:
XXXX XXXX University liquidated my Perkins loan. When this process was being done, I did not receive any notification that payments would be in jeopardy. My loan was on an automatic bill pay deduction. I had never had a late payment. when the load liquidation started, they failed to take a payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/2019. The school says they can not take the payment and record that it is being made. The monthly payment is {$40.00} per month and has not been made during these months. I would like to, but have no one to pay. 

The late/missed payments however are being reported to the credit agencies and this is negatively impacting my credit score. My ability to get a home loan and my cost on my auto insurance have been impacted. 

the school does not know any information on how long this will last. 

I just want to make my payments and make sure my credit rating is corrected. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern, I opened a secured credit card with Wells Fargo a few years ago in hope to build my credit. I called into the credit card department to get my credit card limit increased from XXXX to XXXX and the representative closed my entire credit card account in error. 


I tried using my card and it was declined only to learn that my account was closed in error and confirmed by the customer care department. 
I had to wait several weeks for them to investigate and pull the recorded call. I received return payment fees from companies and I received no letter for my record keeping explaining what happened. I was assigned to a case manager by the name of XXXX who did the investigation, listened to the call, and confirmed that it was a bank error and told me I would have to do a new application if I wanted to keep my credit card account with Wellsfargo.  NOT FAIR. I explained to her that this is not a good look to have a close account reported nor is it fair or a good for me to lose points to have the account reopened for the same account that was closed within one month. I then was forced to call back because i never receive any information in the mail regarding this information and or a letter in writing explaining the error. I spoke with a rep by the name of XXXX who told me that they do not send out that information and that it is held confidential and only discussed via phone. He later said that he would submit a request and if it got approved then I would receive the letter in the mail explaining the error, and if it didn't get approved then I wouldn't be receiving a letter explaining what happened on my account. It is not fair for them to handle this matter so carelessly.

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have already reported this card as fraudulent. 
They have already received an identity theft report. I have not received any help with this.

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 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Somebody stole my identity they took my wallet and started using my ID and my debit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
This occurred on XX/XX/2018 and XX/XX/2018. These annoying and mundane calls were from XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card. I apparently had forgotten to pay a bill, which I never received. Upon finally realizing this, I paid the bill in the amount they asked me to. Apparently, I forgot to pay a mere {$17.00} of an overcharge. This was never communicated to me. One would think the world was coming to an end & I was delinquent thousands of dollars. They consistently and continuously harassed me by calling my cell phone during work hours at a minimum of 6 times! I had unknown numbers calling me ; numbers from Kansas ; numbers from Ohio. I paid the {$17.00} as soon as I received notice of it ... and they STILL proceeded to call me two times. This is blatant harassment over {$17.00}! I am at work trying to make a living and I am receiving these annoying phone calls to my cell phone ( I use my personal cell phone for work purposes ). It was ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Millco Management
State: NC

Complaint narrative:
I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified Adjustment is trying to collect on a PAID debt. Please see CFPB Complaint XXXX against XXXX and XXXX XXXX XXXX for the {$430.00} debt. On XX/XX/18 the XXXX responds and states, On XX/XX/2018, XXXX XXXX claim that the debt was paid prior to assignment for collection was confirmed with the original creditor This collection was already disputed, won, and removed from my reports. I contacted Diversified and let them know that they have bought an erroneous collection and that this matter was already disputed and won. They never responded to that, or my request to verify the debt. They have now knowingly violated my consumer rights. This needs to be deleted immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I sent the collection agency on XX/XX/18 a 30 day notice to respond, A Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 



No response was giving .... 

On XX/XX/18 I also sent a HIPPA validation letter that also got NO response. 

My most recent letter do to the NON responses was another follow up letter on XX/XX/18. 

I also have contacted the credit bureaus XXXX, XXXX which I asked what method was used to verify this account and both has notified me that the debt has been verified without any proof according to the law to provide evidence as each individual is required to do so submitting evidence to dispute. 
XXXX actions was my evidence the debt didnt belong to me because they removed the collection account do to it unverified 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
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2018-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I am trying to place a security free on my credit file with Experian. I have try it online multiple time and by phone. I was told to send all my information by mail with copies of my driver 's license and bank statement or other document to prove my identity along with a copy of police report. Their website did not offer online identity verification like other credit beau or denied my request before my identification can be verify online. Why a company allowed to collect and store my information without my consent, without allowing me to opt out of their service, deny my request to put a free on my file, and asking me to provide copies of my driver 's license and other document by mail. Don't they have enough information of us? Now they wanted a hard copy of everything by mail. I don't want to be in their Data Base. Please have company remove all my information off their service if they can not allow me to put a security free online. if they want physical verification please have a physical location where I can visit and prove of identity.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately

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 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have problem with my CITI bank credit card account ending with XXXX. 
For my CITI bank credit card, i have made all the payment agreed with CITI Bank. 
However it is still mentioning that i have NG balance on my account, That is affecting my credit score. 

I request to do necessary action to remove NG from my CITI bank credit card to improve my credit score. 

Thanks & Regards, 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 2018-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a statement from Wells Fargo indicating I had a payment due by XX/XX/18 in the amount of XXXX and my account balance was {$12000.00}. I went into a branch in XXXX, GA on XX/XX/18 and was quoted a loan payoff amount of XXXX. I went to the XXXX, GA branch on XX/XX/18 to pay off account and was told I had to pay XXXX. This is an extra {$73.00} over and above what I was quoted. To me this is predatory since that is more than the amount I pay monthly to principle. I am reporting this to everyone I can about how business is conducted here. My loan has been paid in full.

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 2018-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I took a personal loan with Tower loans in XXXX XXXX XXXX, XXXX, AL and six months into the loan, I realized that the company added life insurance, disability insurance and other insurance products to my account without my consent.I was never asked if I wanted to add these add on insurance products to my account.Anyway, I realized after six months of payments that my balance was higher than the original loan amount. When I called to find out why this was the case, the Manager explained that I had all these add on insurance products which I didnt sign up for.I requested for the insurance products to be removed from my account, but the Manager said that, I have to come in person and sign some documents for the products to be removed. So, on XX/XX/2018 I went to the Tower loan branch to sign documents to get the insurance products removed from my account.However, I was surprised when I called on XX/XX/XXXX, to make a payment and I was told that I have insurance products on my account.Again, I requested that these add on products should be removed from my account and the Representative told me he removed them, even though the Manager had told me before that I have to come into the branch and sign documents for them to be removed. XXXX XXXX, XXXX preys on their customer with their deceptive practices. This has to stop, otherwise I will never be able to payoff the loan.Please take action this deceptive company.

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 2018-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have been a customer with Credit Acceptance Corporation since XX/XX/XXXX. My XX/XX/XXXX used vehicle is unfortunately financed through them. I have XXXX and have recently been undergoing XXXX. I had a payment that was due on XX/XX/XXXX. My next payment was just due on XX/XX/XXXX. A few days ago I called and spoke with a rep and Supervisor on XX/XX/XXXX and told them I was in the hospital and asked if they could give me an extension until the end of the month to catch up payment. They said no and that the disabling switch to cut off the car would go into effect in a couple days by XX/XX/XXXX if I didn't make at least the payment if {$290.00}. I asked if they could put that one payment at the end of the loan due to the circumstances and stated that they do not provide that option. So if you get sick you loose your car. They will disable it from starting and start the repo process. It does not matter how many years of payments you've invested into paying these people. When I purchased this car the dealership stated this was one of the lenders quick to say yes but you don't know how bad the lender is until you start dealing with them. With no options for customers when they have a financial hardship especially due to sickness this lender is not providing consumers with good car loans. They are simply in business for profit and could careless about the consumer. This company needs to be investigated for its practices for no options for consumers to put at least one payment at the end of their loan or the ability to make even a partial payment. Consumers get XXXX   with company. They need to fulfill my request.

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