vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
There are actually a few issues here, one the illegal practices this company uses to collect a payment i.e spamming me outside of legal hours and more than the legal amount and using threats as well as aggressive behavior to try to collect a debt which is illegal in the state of Texas. 

The company has also added a mass of fees onto my account which isn't correct, the original loan agreement was around XXXX including tags title and interest that was on everything I originally signed for the car. The debtor now states the whole amount was XXXX which isn't right at all. 

Debtor has hung up on me, doesn't answer customer support calls or have voice mail service or respond or have valid email contact adding to late fee 's and issues. Extra fee 's were never voiced to me nor did I agree to any additional fee 's outside of the base of what I owe. 

online login doesn't work, advised this to debtor several times however they never fixed the issue, there is also no option to split payments through the site if you are 1 day late or 2 it would make it 2 car payments rather than just being able to pay one off and paying the 2nd off when you are able to.

Debtor has made comments about my medical condition and fianc 's that was not at all legal or appropriate. If you review all of the review pages for debtor you will find many complaints about debtor adding fee 's to other people as well as customer reports against them through the XXXX   and other sources. 


As this company is exhibiting illegal collection practices and illegal billing practices this needs to be looked into further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
So the issue I have is with the Bluebird service ... I was a customer for some years ... but in XX/XX/2019 everything was going well ... my employer was direct depositing my pay into this account when one day i got notice that my direct deposit was refused ... this occurred on XX/XX/XXXX along with an email stating i violated some sort of member rule. I tried calling them but as my phone number was linked to my account they simply wouldn't put me through to a person. At the time as my account was randomly closed i decided to sit and wait for a check of my balance on the card .... it ... NEVER ... came ... fast forward 7 months and we are now pushing XX/XX/XXXX ... and every month i'm getting a statement email telling me i have this money in my account ... however, my card is shut off, and i can't talk to anyone ... so essentially they are holding my money hostage ... I have all the emails to prove what has happened ... I just want my money back and to never ever ever EVER deal with bluebird again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a denial for credit letter from XXXX to XXXX XXXX XXXX loan dated XXXX XXXX.I filed a complaint with CFPB on XX/XX/2019 complaint XXXX stating I never apllied for credit with this company.CFPB response was to file a complaint with DFIC.I did file complaint right away.I received another denial letter from same company dated XXXX XXXX through XXXX XXXX for a freedom plus loan.I inquired from simple path about a loan in XXXX XXXX path shows on credit reports for loans based on credit score/credit.I only inquired and now im getting denial letters.I never gave any companys permission in this complaint to run my credit for hard inquiries.I have noticed lately alot of calls from freedom plus to consolidate my debt for a fee or debt counseling/repair for a fee.I finally blocked there number cause they call alot

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 2019-10-31 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.

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 2019-10-31 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I refunded a purchase on XX/XX/XXXX in the amount of XXXX. the credit from the merchant hit the card on XX/XX/19, immediately followed by a debit ( charge ) for the same amount fr American Express , titled a " merchant credit hold for review ''. This is the second time in several weeks they have done this to a refund from a merchant. It states the hold will last " up to '' seven days. The last hold kept my money in limbo for the entire week. I have contacted American Express and spoken to four different people, several supervisors, and even on their XXXX channel. They blame it on the merchant 's bank account and say they haven't actually received the funds from the merchant. This is a lie. The online account shows it is Amex placing the hold on finds and shows the funds coming back from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO BANK OF AMERICA CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: AES/PHEAA
State: CA

Complaint narrative:
The complaint is being filed in accordance with the letter you recently received from 23 US Senators regarding the mismanagement of the student loan forgiveness PSLF program by the loan servicer, the Pennsylvania Higher Education Assistance Agency. 

I am one of the 99 % of people who have qualified for forgiveness of student loans under the PSLF program, but are being denied due to the missteps, errors and mismanagement of the PSLF program. If properly managed my student loans would have been forgiven in XX/XX/XXXX under the PSLF program. Yet, I continue to make regular and consecutive payments 2 years after qualifying for forgiveness. I have made the required 120 payments to the Department of Education ( DOED ) and have worked full time at a qualifying employer. I made these payments since XX/XX/XXXX through XX/XX/XXXX, while being employed at XXXX XXXX XXXX XXXX, XXXX. I received a Fedloan Qualifying letter clearly stating that I have met the terms outlined in the programs guidelines, see the attached pages 2-3 and have proof of payments made to DOED, compiled by my bank, XXXX   XXXX XXXX XXXX, see attached pages 4-7. 

Shortly after receiving the qualifying letter the forgiveness was later denied, due to an arbitrary rule that the first 105 payments made to the DOED were of the Direct Loan type and considered non-qualifying. This hardly seems non-qualifying since all of the payments went directly the DOED, regardless of whether Direct Loans or Fedloan was managing the loan. I then appealed the denial and requested a reevaluation of my loan forgiveness to Fedloan in XXXX of XXXX, see attached page 8. I have had no further correspondence from Fedloan since this request was made regarding my reevaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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 have an account Texas Office of the Attorney general ( listed on Trans Union as XXXX XXXX XXXX ). TransUnion is showing me 30 days late In XX/XX/2019, 60 days late in XX/XX/2019, 90 days late in XX/XX/2019, 30 days late in XX/XX/2019, 60 days late in XX/XX/2019, 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I called the Texas OAG and they report I was never late and they did not report me late and I am current and they reported me current each month where TransUnion is showing me late. I have filed 2 disputes with my payment documentation and although TransUnion shows me Latest Status : Current, they have not removed the 7 negative notations in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2019. XXXX has it correct, why can't TransUnion get it corrected?

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 2019-10-31 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 recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Account Number : XXXX : Source of dispute information : Bank of America Dates associated with item being disputed : XX/XX/2000 Explanation of item being disputed : it shouldnt still appear on my credit report. 



I am disputing the following information that appears on my XXXX  report : Product not received, I never had bank of America Credit Card it shouldnt appear on my 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 non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX - I initiated a wire transfer in the amount of {$10000.00} to my wife 's XXXX XXXX ( XXXX XXXX XXXX ) account to pay credit card bills XX/XX/XXXX - XXXX XXXX XXXX requests " additional information '' ( unknown to me ) XX/XX/XXXX - with transfer not completed, I went to the local bank center and inquire - told " transfer not completed - not sure why '' XX/XX/XXXX - with the transfer still not completed, I reached out by email to Bank of America ( BoA ) on their national support line for help XX/XX/XXXX - BoA sends me an email requesting a telephone call for " important information '' ( this presumably was instigated by my email ) XX/XX/XXXX - I called the bank with the required addition information - was told " good to go - we have what we need '' on XX/XX/XXXX - funds transfer still not completed. XX/XX/XXXX - I call XXXX XXXX XXXX to inquire, told funds were returned because the requested additional information was not provided by BoA. It has now been over 4 MONTHS - no one at BoA can tell me were my {$10000.00} are. During these 4 months I was traveling in XXXX and XXXX and have incurred uge telephone expenses amounting to over {$600.00} talking to BoA by telephone and being put on hold for 20-30 minutes at a time. Previous complaint with CFPB ( ID XX/XX/XXXX-XX/XX/XXXX ) was CLOSED without resolution. I'M OUT {$10000.00} AND NO ONE GIVES A XXXX - this is nothing short of grand theft - what country am I in?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
So this collection agency Cavalry SPV I apparently sues me, I never received any documentation or subpoena and found out doing a search of my name. I had spoken to this agency in the past when thy called me on my work phone and told them to not call or contact me at work and disputed the debt. About a year later, I received another call, on my work phone I told them not to call, where they threatened to sue, although they were apparently already doing that. Then I got a letter ( can't find original but I did take a pic of it - see pic attached ) stating the debt was too old to sue for - although they were suing me. They wanted to offer to settle the debt which I asked for proof of. 

I asked them to show me a signature ANYWHERE on the credit application, on a charge slip, anywhere to prove it was actually my debt and they were unable to do so. The address has not been used by me in 10 years since I moved, but they refused to do anything but tell me to pay. 

I disputed the alleged debt, but they refuse to take it off my credit reports, or show proof. How can I prove it isn't mine when they provide NO information on the OVER 10 YEAR OLD debt? ISN'T THERE A STATUTE OF LIMITATIONS ON DEBT? 

So when I found out I was being sued, I had an attorney show up to assist me for the hearing on XX/XX/XXXX that I found out online through the court portal that was the court date. 
Neither the debt collector, nor their attorney, show up for the hearing to try mediation or dismiss the case that day as directed by the XXXX county circuit court. The final hearing was held and because they did not show the judge dismissed it for lack of prosecution because nobody from Cavalry SPV or their attorney showed up for the hearing. I was going to ask to dispute it and prove the debt was really mine, but because nobody for the collection agency showed up, the judge had to dismiss the case. 

Because they contacted me on a work number that I previously told them not to call, and they did anyway. 
They threatend to sue me, even though they sent a letter stating they can not sue ( after they called me. ) Then didn't show up for the court date when they did sue me. 

All of which are breeches of the FCRA. 

I want to file a complaint and my recourse would be to have this removed from all credit bureaus immediately. It shouldn't even be there because it is over 10 years old too, but Cavalry bought the debt and reported it as a NEW debt, so it is showing it will be on my credit until XX/XX/XXXX, WAY over the 7 year reporting limit on old debt. They alleged in court papers I owe over XXXX, from an address I haven't lived at in 10 years, but zero proof it was really me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
My car was repossessed by Nissan Motor Acceptance Corporation on XX/XX/2019 at XXXX XXXX, I called the NMAC right away and the clerk read all the process need to be done and stated If I was able to pay the full amount with a " small fee '' I could be reinstated. I paid for the whole amount on XX/XX/2019 at XXXX XXXX and notified them. Before notifiying them to get their phone number I went to my account and I saw a XXXX Dollars late fee and XXXX Dollars Miscellenous fee. I immediately called them and dispute that muc of towing fee and also indicated to them I was told there will be a small fee. The clerk today said he read the notes and I disputed that yesterday. I told him I dont know what the notes say please listen to the voice recording becuase I was never given a break down of the charges. I also read my contract and there is no amount indictaion of recovery fee. 

I was supposed to pay 3 months of lease payment XXXX $ late fees and 1 month of lease payment which is due on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received an email stating that my requested forbearance has been approved. I NEVER requested or had any intentions on a forbearance. My account was over 100 days past due. I was leaving it as such. Because I have no means of paying my student loan ( s ) now generally speaking. When originally asked prior of other options. I was notified that only forbearance was a temporary option. Months prior. Little did I know that was Navients way of adding fees. Also little did I know. Account information was incorrect. But that wasnt my issue this time around. They finally have taken it too far. After this letter of forbearance came. I called them to state I did not under no circumstances request one. And have no means of paying. They placed me on hold only to say the co-signer requested it. Yet a request for forbearance would state and show a payment. Reguardless if thats true Im primary and I know I NOR the co-signer can pay. I didnt really agree that the co-signer requested it. But I left that issue alone as I learned months ago after speaking to customer service. They arent in the business of helping. ( I have no problems with my federal loans they help ).

Anyways. After my first phone convo. They agreed to retract and remove anything pertaining to the forbearance ( Friday ) I called the following Monday as I havent seen an update on my request. I was told it is being processed and they see it in the notes. Called again on Monday. Still nothing.

Now my account states past due only one month. It is a lie. No payments have been made on this account. Ever!!!!!!! Beside forbearance I felt forced into. At the time between losing a job due to injury. Everything seems like the only right thing to do. Again Ive contacted navient. They have yet to change anything. Next step is reporting them to the credit bureau for lies of receiving payments. And putting my account in forbearance without my knowledge or consent.

This company is doing whatever they want. Creating false amounts, false payment status, false forbearance not handling their promises. I have made it clear no one on this account can pay or continue to pay the amount they want. I only asked that my a be handled correctly. Reported to credit bureau correctly. In no shape or form do I want my account look as if i paid or agree to a forbearance. As every three months they report to the credit bureau past due on an account that has never been paid on. Its way over 90days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I was aware of a item on my credit report that's doesn't belong to me, I contact the collection company and ask them to provide me some proof that it belong to me and all they send is my name printed on paper with a address on there. this item on my credit file doesn't belong to me and the collection company won't investigate or remove it from my report.Can CFPB help me getting this false information remove from my report.

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