vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: American Elite Recovery, LLC
State: NJ

Complaint narrative:
I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding. 
I told them I was unaware of this. 

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full. 

I called them back to ask for some verification of the debt. When I did they got nasty with me. 

They would not give me their address to request in writing proof of the debt or any notification. 

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt. 

There are NO phone numbers to contact XXXX I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-02 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: Clarity Services
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: FactorTrust, Inc.
State: GA

Complaint narrative:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). T he Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment. 
Patient Balance has been paid ( attached ) I have not received any answers to what this debt is about. I never received any letter or communication. 

The hospital had all my personal information and had my insurance information and no other claim was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
XXXX  XXXX advertised the credit card as follows : " The XXXX  XXXX XXXX XXXX card NEW - XXXX bonus mile offer Get XXXX bonus miles plus XXXX  's Famous Companion Fare from {$120.00} ( {$99.00} fare plus taxes and fees from {$22.00} ) with this offer. To qualify, make purchases of {$2000.00} or more within the first 90 days of opening your account. '' I applied for the credit card and was charged more that 2000 dollars in the first 30 days but was told by " XXXX '' XXXX from Bank of America that my total charges did not equal the sum total of XXXX dollars because BofA 's policy is to subtract the service fee of XXXX dollars. Since the fee is unavoidable, advertising should explicitly say a minimum charge of XXXX dollars is required. This is the foreseeable outcome of their practices and the above listed advertisement is misleading and has the potential to defraud consumers by denying benefits that a reasonable applicant would conclude they were entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I currently have an auto loan with Ally Financial. I am near the end of my loan and am ready to pay-off the loan. Now that I am ready to pay-off my loan, Ally has added late-fees to my loan. These 'late fees ' began in XXXX thru current. However, these fees never showed in the current balance due. When I contacted Ally for an explanation of these fees and why they were never included in my current balance due they said that as a convenience to their customers they put the late fees on the end of the loan. But as a customer it would have been easier for me to pay any late fees when I paid my car note each month instead of them accumulating any late fees thru the life of my loan and sticking them onto the end of my loan. I called Ally on XX/XX/XXXX in an attempt to pay-off my loan but the pay-off amount given online was not the same as the pay-off amount given my the CSR I spoke with at Ally. I requested that the late fees be waived since my current balance due never reflected any late fees and they Ally said that you can only request that late fees be waived once over the life of the loan and I exhausted that request in XX/XX/XXXX. But I was unaware that I had late fees so how could I request that my late fees be waived when I was unaware of any late fees on my loan? Also, my payment history shows several months of over payment of my loan but the over payment amount was never applied to the 'late fees ' on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On the date of XX/XX/2019 XXXX XXXX  ( XXXX XXXX  ) I made a deposit into what I thought was a Navy Federal Credit Union Partner. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, LA XXXX. I deposited a total of {$600.00} the ATM machine failed to return my money and instructed me to contact my financial institution in order to get my money back. The following day XX/XX/2019 I went into the XXXX  Branch in XXXX and they explain to me that my money was in fact in the ATM and it was out of balance, but in order to return my cash I would have to get Navy Federal to contact them to do so. So I submitted a complaint with Navy Federal with Supporting documentation and they failed to even research the first claim. So I called and resubmitted it with the SAME documentation as before and they finally responded. So they instructed me to get the ATM terminal ID. I went into the XXXX branch and two branch representatives gave the XXXX   rep the terminal number. I was told it could take up to 30 days I called twice a week for updates and I was told that I had to wait for visa to clear it and I believe that was only said to get me to not continue to address this matter. I waited for sometime and the status hadn't change. I called again and I was told they had the wrong terminal ID number. I don't know how could that be possible when the number was given to a rep for navy federal over the phone directly. Someone is not doing their job. All I want is my money returned to me now. its not hard to credit my account as they have been dropping the ball for almost three months. please fix this matter immediately for claim number XXXX thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had set a credit freeze for my Equifax credit report after hearing about the hack. I had lived in a different address at the time. I called a few years later to unfreeze my credit report for a mortgage. I had to verify my identity to do this. That is fine I am all for being extra cautious. The address I currently live at wasnt updated on equifaxs end. They locked me out of my online account as well. Thats very annoying but fine in the name of security. I to fax in my driver license and send in a cable bill to prove my identity. Also very annoying but fine again. I called as well and they grilled me on my credit history. All answers answered correctly and they assured me my credit was unfrozen and that my account with them online would be working. They said it would take about an hour to be activated. I check back in an hour and nothing is working. So I called back and they said the system is updating so call back. I have called and called and they keep coming up with many excuses to keep from having to deal with this issue. Im not sure what is going over there but after I have proven my identity I feel like they are just preventing me from getting my credit unfrozen unjustly. This has been going on for a few months now. I just cant get any strait answers from them. I feel like this is the only way for me to get any answer. If they need more identity verification then they need to let me know instead of keeping me in the dark and coming up with XXXX excuses to avoid giving me any answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: DISCOVER BANK
State: OK

Complaint narrative:
Discover was billing me for one of there products ( wallet account protection ) without my knowledge. They also went to paperless billing and I never saw any statements. As the owner of the account no effort was made to contact me. The fee was for less than 19 dollars and is affecting my credit score. I've made multiple attempts to clear this up. 
XXXX ( Supervisor ) - stated he was working to get this corrected. He is no longer with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has sent me a letter to close my personal bank account and when I call in they have no reason why and the letter I received is treating me that they may close my other accounts ( Business and Credit Cards ) and I am and have been current no bad checks etc ... I want to prevent this from happening I have all my credit cards coming out in auto pay this is a disaster. I need help ... If they close my Credit cards ( 2 ) than they are going to tank my credit that I need to conduct my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX  XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: MA

Complaint narrative:
XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX  credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: MA

Complaint narrative:
XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: MA

Complaint narrative:
XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
We missed a payment during a financial hardship. SunTrust will not try to help their customers at all. For several months during XXXX, I paid two house payments. I was currently due to pay three payments in XX/XX/XXXX. I could barely afford to pay the two payments. A few days after I paid the two payments, SunTrust reversed the payments and held them until they applied them to my mortgage on XX/XX/XXXX. I attempted to pay in XXXX and I was told they would not accept my parent because I was now in foreclosure. I am trying to modify the loan but now they want me to repay a 40 year mortgage when I'm only 8 years away from satisfying a 30 year mortgage. Prior to this crisis caused by SunTrust, I paid my mortgage on time and was paying additional principal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hillcrest Davidson & Associates
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX. I received phone call stating that I need to call a number with a reference number and there is legal documents waiting for me so I called the number gave them a reference number and they said I had a medical bill in the amount of {$910.00} and and are sending legal documents and if take care of this matter I am subject to wage garnishment property seizing tax garnishment Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation