vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Back in 2017 I went to XXXX XXXX XXXX XXXX with a friend she was trying to buy a car. As i was sitting there with her the salesman asked did I need a car? I said yes but I dont have much income nor a driver license. He said how much income you get a month. I .told him after I pay rent I have XXXX left till the next month. He asked for documents I gave them to him and he got me approved for a brand new car with a poor XXXX credit score and XXXX a month income SSI after I pay my rent XXXX left. I asked the salesman. How did I get approved he said enjoy your new car. All my family kept asking how did I get approved. It was a no brainer the dealership falsified my income. I have since asked the dealership and the finance company for proof of income that was submitted to get me approved. Hyundai motor finance said they didn't have it. Only a contract which is useless we need application with debt to ratio income. And proof of income that was given. Because both entities want provide information to show this account was falsified. I am requesting removal of Hyundai Motor Finance from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NY

Complaint narrative:
I NEVER EVER FAILED TO PAY A DEBT. I have no debts. By the time they claimed that XXXX wasnt paid I had full health insurance coverage!! 
The secretary at that Dr office XXXX XXXX XXXX XXXX was the one to suggest changing from XXXX to XXXX. 
I HAVE NO DEBT and they are ruining my credit score sending an amount of XXXX $ for a debt that it is NoT mine!

Stop doing it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
My Name is XXXX XXXX and I had XXXX XXXX XXXX while I was in the military, After I discharge from the Military I was not informed I had a balance due with XXXX XXXX XXXX I received no statements of any kind due to this my account went into collections. I was found out later in the XXXX that I had an account in collection for XXXX XXXX XXXX I paid this account and requested this account be deleted from my credit report AAFES sent me letter stating this account will be deleted however it has not been deleted and in attempt to delete this account has provided incorrect information to credit report agencies which are attached for XXXX it is saying my account in XX/XX/XXXX it was 120 days late which is not true and with XXXX it is reporting from XX/XX/XXXX to XX/XX/XXXX this account was in collections which is also not true because this account was paid in XX/XX/XXXX so from XXXX to XXXX my account should not be in Collections this is in Valuation for FCRA Fair Credit Reporting Act and the Military Lending act. also AAFES XXXX XXXX XXXX participated in aggressive collection act by taking money out of my Taxes and received a payment from myself which cause XXXX XXXX XXXX to receive a double payment.

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 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early XXXX of 2019, I signed up for the Chase XXXX credit card. They advertised a free " Companion Pass '' for the rest of 2019 when you spent {$4000.00} in the first 3 months of the card. The Companion Pass allows your designated companion to fly with you for free on XXXX. I follow-up with Chase 's Executive Office and they sent me the attached email confirming the promotion. 

By the end of XXXX, I have met all of the conditions by Chase. See the attached screenshot of my XXXX Chase statement. The balance has been completely paid off. I've sent multiple emails and have not received any written replies since the email from XXXX XXXX on XX/XX/XXXX. I've called multiple times and both Chase and XXXX state I'm not eligible for the Companion Pass reward. 

I recently received a call from Chase stating that I did not qualify for the Companion Pass. I asked them if they saw the email from Ms. XXXX from XX/XX/XXXX. They acknowledged the email but stated that I am still not entitled to the pass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion deleted obsolete re-aged accounts and I received an alert from XXXX XXXX. I logged on to XXXX XXXX and was astounded that the obsolete re-aged accounts that were deleted, 10 of the accounts reappeared on my TransUnion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: HI

Complaint narrative:
I paid off my US Bank Credit Card in full, paid it early and paid it on time. They proceeded to charge me interest and fees because they claim that my payment was 2 days late. It was not 2 days late, the minimum payment was 7 days early ( XX/XX/2019 ), then I made an extra payment to pay off the balance in full ( XX/XX/2019 ). 

On XX/XX/2019, I was notified by my credit monitoring company that US Bank reported me 30 days late and it lowered my score by 100 points. I was shocked to see that there was a balance and a payment due, I never received a statement, email or phone call. I was notified by XXXX. 

I called US Bank and the first representative realized there was a mistake in the way I was billed, so I was transferred to her supervisor - XXXX. XXXX was wiling to remove all the fees, and take my account back to {$0.00} balance, but she refused to admit the bank did any wrong doing and she refused to correct the inaccurate 30 day late that reported on my credit report. She claims that my payment was 2 days late, even though I showed proof that I made 2 payments that month, the minimum and an extra payment. She said that I was charged a late fee, which incurred interest. That is just blatant lies and seriously borderline fraud. 

I'm attaching my statement. My payments are due on the XXXX of the month. I made the payment due on XX/XX/2019 on XX/XX/2019, I then made an extra payment on XX/XX/2019 to pay off the entire balance, so I didn't owe anything. 

Just when I think I'm out of debt and my credit is improving, the Bank pulls a stunt like this. This is by far the most fraudulent thing I've seen by a big bank! 

I have never once been late and I've had this card for over 5 years!!!

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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
ERC collections is reporting that I owe their company money for a debt that I have no knowledge about, I have no contract with this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
On XX/XX/2018 a collection account was opened by Ability Recovery Services. This account is still opened to this day. I disputed this account multiple times for proof of debt and have not received any proof. This collection account affects all 3 of my credit bureaus reports. I would like to address this immediately and get this negative remark removed from my credit reports. However, if they can provide me with proof of debt ownership then I would like to arrange an agreement to pay off this debt. If no proof is provided then please remove this collection.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I contacted XXXX XXXX XXXX  on XX/XX/XXXX for a debt in the amount of {$300.00} which my husband and I wanted to settle. I contacted and spoke with an XXXX and the parties agreed to settle the debt in the amount of {$200.00}. ( Confirmation number XXXX ). {$100.00} was to be paid at that time with the additional {$100.00} to be paid XX/XX/XXXX. As I had another bill that was going to be withdrawn from my account I wanted to make sure that there was enough money in my account to cover both bills. 

Pending POS Debit - Visa Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} When I logged in I was charged the full {$200.00}. When I called back I explained that I had another bill coming out and was going to get charged a {$29.00} overdraft fee. I spoke with XXXX XXXX who informed me that yes I was correct on the payment arrangements. That the only thing she could do would be to refund the {$100.00} but it would 48 to 72 hours by the time it would be returned to my account, just in time to be taken back out not to mention still getting hit with the {$29.00} surcharge. 

Tonight I went back on line and it states that we still owe {$100.00} which I believe they have every intention of attempting to collect it on XX/XX/XXXX FILE NUMBER : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX RECEIPT DATE :XX/XX/2019 Amount of the Debt : XXXX Amount as of XX/XX/19 : {$100.00} This is deceptive and theft since the agreement was for a settlement in the amount of the {$200.00} which they have already received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
I have received multiple calls from Credence Resource Management regarding a debt with XXXX that I did not owe, even after explaining to them the debt wasn't mine. 

The company allegedly showed a debt in the amount of {$560.00} for service at an apartment building I hadn't lived at for 5-6 years and that prohibited installing satellite dishes on its roofs. After I explained this to them, they claimed to have removed my telephone number from their records, but they did not. I received several calls from the date they claim to have removed my telephone number ( XX/XX/XXXX ) until the date I submitted a complaint with the XXXX XXXX XXXX ( XX/XX/XXXX ).  Whenever I have spoken to a representative from Credence Resource Management, I advised them I haven't ever had XXXX at that address or any address and that the years of service in question ( mid XXXX ) were after I had moved out of that apartment. Each time, the representative advised he or she would remove my number from their records, but they didn't do that until I spoke to a supervisor advising I had spoken to XXXX and they confirmed I have never had it at any address. 

Credence Resource Management has also claimed to have sent me written proof of the debt in question, but I have never received it, and they have yet to request my current address to comply with their legal requirements. Additionally, if the debt in question was incurred in mid XXXX, they failed to comply with the law by waiting until XX/XX/XXXX to say they sent me validation of the debt. 

Furthermore, they advised me to file a police report for identity theft during one of my final telephone calls with them. However, the debt in question never appeared on my credit report, where I have automatic reporting updates with any change in said report. As such, it makes no logical sense to file a police report for identity theft when there is no proof my identity was compromised. 

Credence Resource Management has apologized through my XXXX  complaint, but maintains they have done nothing wrong. In my research on the matter, I have determined they have violated federal law at least once with their attempts to collect a debt the company for which they claim sent them the account to collect upon advised I did not have an account in the first place. 

I have attached a copy of my XXXX complaint for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over Zelle. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at XXXX 2 times and they have been either unwilling or unable to help me contact Zelle to figure out who the guy is that scammed me. I have also filed a police report. Zelle does not have an adequate customer service line or anywhere that I can find to report things such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
I have called the company on several occasions since the item appeared on my credit report since XX/XX/2019. Despite continually calling, I have yet to get any representative from the company to answer. If there was an actual debt would the company not have an adequate way of being reached in order to collect on the debts. The debt is fraudulent and I have no other means of reaching the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This information was improperly placed on my credit report. this account was fraudulently placed on my account with out my knowledge.

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 2019-05-08 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: AR

Complaint narrative:
I was looking at my credit report and noticed a lot of things that I didn't apply for or used on it. It is messing up my credit and my opportunity to get the things I need. So I need these items removed for good.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax website doesn't work and customer service is worthless. 
I login. 
Won't let me submit dispute online. 
I call. 
They attempt to verify me with questions off my credit file. 
I read verbatim the answers off of the credit report I have pulled up on their website that I have just logged into. 
They say they can't verify. 
????????????????????????????????????????!!!!!!!! 
I just read the information word for word off of their very own credit report?????? 
What is wrong with this company? 
Absolutely awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
There has been multiple attempts of contacting the bankbank of americasince XX/XX/2018 regarding an unauthorized transaction of XXXX. With letters of constant complains follow by a claim number, the bank was never able to follow up or return the money. 

On XX/XX/2018, I got a claim number for the unauthorized transaition. On the letter, it stated that they will issue a temporary credit of XXXX while they conduct a research. I got the credit returned to me but they also said I was going to get a letter in the mail that needed to be signed to confirm the unauthorized transaction. 

On the second trip to the bank on XX/XX/2018, I told them that I neved recieved the mail and so they said they would mail it again. In the end, I still never got the letter in the mail. 

After multiple mulitple calls and in person convefsations, they told me to wait. Yesterday, XX/XX/XXXX, they told me that it is too late and they can not do anything about the transaction anymore.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blackrock Mitigation Group LLC
State: UT

Complaint narrative:
I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX  XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX county was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX county if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-08 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I opened an account with JCPenney with a credit limit of {$700.00}. In XXXX, the account was closed due to non-payment. When the account was closed out I was contacted by some collection agency because there was a pending balance that was being reflected on my credit history. I explained to the company that I would pay off the balance only if it was removed from my credit bureaus. The company proceeded to agree with my conditions but as of now the balance is still reflected on my credit history. I then went on to contact the company to acquire access to our phone conversation but the company refused to grant me the recordings stating that they were for company use only.

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 2019-05-08 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: AZ

Complaint narrative:
Inaccurate credit reporting. I have written a letter to this Credit Reporting Agency to challenge these inaccuracies. Details of these issues are shown in the letter which is uploaded on this portal.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
This collection agency is attempting to collect a debt that never existed. I imagine there was an issue with billing. My insurance covered my family and I for all visits and there were no amounts due that exceeded our allowance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation