vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXXthrough XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX XXXX never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected XXXX XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage 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 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX  XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XXXX throughXX/XX/XXXXXXXX  The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX  XXXX  never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX   dollars per month. I never expected XXXX  XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XXXX  through XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX  had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX XXXX never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX   dollars per month. I never expected XXXX XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage 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 2019-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
This debt has been on my credit report for the past 6 years. In thos. 6 years I had 0 knowledge of it, and in those 6 years I never received any type of notifications from them. Not from them and not from the original creditor. I don't even have an account number for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for American Express Everyday Credit Card on their online website and was eventually approved for it on or about XXXX XX/XX/XXXX. Part of their promotion was 10,000 points upon successful completion of purchase of $2,000.00 or more. Even after i completed all the requirements, American Express refused in XX/XX/XXXX XX/XX/XXXX for the following reasons:
1)  American Express says that i had the same credit card before, therefore i do not qualify for bonus for the Amex Everyday Credit Card. (I never had this credit card in my lifetime)
2) I have too many revolving accounts/high credit utilization so Amex refuses to give me the promotional points. (These were never advertised nor written in any agreements between Amex and I).

I believe every conversation i had with American Express was recorded and i would be happy to provide additional information should such opportunity arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: NY

Complaint narrative:
Some who claims to be "XXXX XXXX(XXXX)"  calls every day.   No company name displays, he does not say who he represents.   He has my full name and phone number and refers to it as "a serious financial matter involving yourself."

Phone # that displays is XXXX.     This is a Florida number.   A friend called the number and it says it is a debt collection agency but it did not give a name.

This guy has called every week day for over two weeks.

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 2019-08-17 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
So Paypal Reversed a bunch of fraudulent transactions and refunded a few right ot my credit card. However they left XXXX USD in my account but have this message to keep me from withdrawing it. I cant afford having this amount of money tied up. What can you do to help me get my cash back sooner then 180You can't use PayPal anymoreAt PayPal, we value a safe community for our customers to do business. We noticed activity in your account that’s inconsistent with our User Agreement and we no longer offer you PayPal services.Any bank or credit card information linked to your PayPal account cannot be removed nor can it be used to create a new account. You can still log in and see your account information but you can’t send or receive money. Any money in your balance will be held for 180 days, after which we’ll send you an email with instructions about transferring your money.Reference ID: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2019 a fraudulent charged of XXXX appeared on my bill, which happened at a grocery store, which I frequent weekly, including the day before this Fraud. Have appealed this Fraud with Bank Of America MasterCard twice, and been denied twice. B of A MasterCard continues to deny their POS or memory was hacked, and have charged me.

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 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I paid off this debt on XX/XX/2019Confirmation number XXXXI confirmed with XXXX  XXXX my account had a XXXX  balance. But the collection agency is refusing to update my credit report.  I tried disputing it with XXXX  but they are still reporting it as owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I went to the original of the account and says there is no information in their system, these companies that charge do not show their information is impossible to make an arrangement or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALCHRO INC.
State: FL

Complaint narrative:
the debt is outdated its more than 7 years old. i made the dept collection agency aware of this and was told that they were still going to enforce the debt and attempt to collect. I have disputed this before and they continue to verify it as valid and continue to report it to the credit reporting agency as such and told me im better off just paying them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I recently purchased a brand new XXXX XXXX XXXX on lease from XXXX  of XXXX on XX/XX/19. After agreeing to the lease financing terms shown to us @$XX/XX/XXXX/pm for 36 months, and closing the deal, signing all the necessary paperwork, we drove out with the brand new car. Only after 4 days of the sale, their financing manager called me to say that they made a mistake in the money factor/interest rate, for hybrid, it is higher, and that changes my monthly lease payments to about @$XXXX/pm, an increase of $XXXX pm, ~ $XXXX higher than what we agreed in the paperwork. This is unacceptable from the XXXX Plus (or any XXXX dealership). I feel deceived and a victim of "bait and switch", an unethical and deceptive business practice followed by this dealership. We spent 5 hours at the dealership for this entire process on Saturday and 3 hours alone for the financing paperwork. Not even once during this entire time they figured out the incorrect money rates. Now four days later, they want me to agree to higher financing payment terms. It's been 3 days and still no resolution to it. Today I'm offered yet another terms @XX/XX/XXXX/pm, but this is not what I agreed to, and wouldn't have bought the new XX/XX/XXXX at this rate. I want the XXXX  of XX/XX/XXXXto stop following this deceptive practice of fooling the customers with one rate when they buy the vehicle, only to change to a higher rate in the next few days. This is over and beyond the advertising frauds. This has to stop. It is not only unethical but also fraudulent. Its really shocking and painful experience of what I'm going through. I hope others can learn from it and avoid this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: AR

Complaint narrative:
I was forced to receive medical treatment from XXXX XXXX   on XX/XX/2019. They asked for my insurance and told me I wouldn't be charged.XXXX XXXX XXXX filed a claim for XXXX  with my insurance, and my insurance according to my explanation of benefits states that I don't owe anything. Despite that I kept receiving bills from XXXX XXXX XXXX   who then sent the debt to Bay Area Credit Service on XX/XX/2019.I sent a copy of my EoB to Bay Area Credit Service, but they ignored that and kept sending me bills for higher and higher amounts. I have also attempted to explain this on the phone, but they insist that my insurance rejected the claim, and tried to bully me into paying the amount right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
When I first closed the account I had a balance of XXXX  dollars...upon adding up al the payments made it's over that...and now they are saying I owe XXXX something to them....that is not true...I have paid them off already and I'm not willing g to pay a y more and they just keep adding interest and fees to it. I have not used the card since the account was closed...I through out the card...then 

they call and threaten you 

with legal actions against 
you and talk very smart and 
down to you. This is comiety bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I think these calls are from Synchrony Bank.  They just took over PayPal.  I called them and explained that I had just gotten a new job and would catch up my payments as soon as humanly possible.   I'm not sure if the rep understood as their English was XXXX XXXX.I did make a XXXX dollar payment XX/XX/2019So far today alone they have called 5 times.

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 2019-08-17 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: Nicholas Financial Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in JXX/XX/XXXX, the XXXX XXXX obviously provided validation, and XXXX   and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX  that claims that Nicolas Financial is the culprit.Additionally: They say in the prior complaint that they could not locate this paid and closed account, upon calling they were easily able to locate the account and discuss this with the credit reporting department in their organization who still has not corrected this erroneous entry into my XXXX report and does not seem to have a clear understanding/comprehension that marking a paid account 30 days past due as the current status is not just inaccurate but false, the Status of this account is paid/current further this account has not been marked as disputed by me as inaccurate and is directly and negatively affecting me. This is a 3 year old problem!!! Once again this account reporting is in violation of the FCRA section 609. for further reference the account number on the file is reporting as #XXXX, My maiden name if it helps them locate it in their records is XXXX. I ask that this account IS REMOVED in its entirety otherwise I will take all further necessary action due to me by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the (Equifax, XXXX  ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXXand XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX  from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like NMAC chooses to report fraudulent information on people’s credit report. NMAC is nothing but FRAUD FRAUD FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Unfair decision or discrimination based on my personal credit history?. They closed my American express account XXXX for no reason and I reported to them that the last transaction was not my authorized purchase because of my credit card got stolen but they are insisting me to pay them with accumulating interest for months that im trying to disputing the charges. In addition, if my account was XXXX it should be cleared by now because its over 7 years or more they should remove it from my record thats the rules. I suffered enough for those years that i did not authorized the charges. My credit score is weak because of them and it should be cleared by now. I also recently applied for credit card through American express but they denied me twice. On XX/XX/XXXXXX/XX/XXXX AMERICAN EXPRESS CARD Declined. On XX/XX/XXXX DELTA SKYMILES OPTIONS CREDIT CARD FROM AMERICAN EXPRESS Declined.

Company response to consumer: Closed with explanation