vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: National Credit Systems,Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I sent a 3rd party debt validation letter to National Credit Systems requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4500.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681 ( s ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), Nation Credit Systems has failed to validate this alleged debt within the ( 30 ) day time frame as pursuant to 15 U.S.C. section 1681 ( g ) ( 4 ). They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C. section 1681 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I cancelled the prepaid maintenance plan that I purchased with the car on XX/XX/XXXX. Per the contract, I am to receive a pro-rated refund for the months not used. I paid {$2000.00} for the maintenance plan. There were 15 full months left in the plan term. At {$58.00} per month, this amounts to {$870.00}. There is a {$25.00} cancelation fee stipulated in the contract, so the refund I should have received is {$840.00}. The contract states that this refund will be received within 30 days of cancelation. It is now XX/XX/XXXX and I have not received a refund. Not only that, but the amount I was told I will be getting back is {$790.00}, which is {$58.00} ( rounded ) less than the calculations based on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My significant other started receiving restricted phone calls on her phone. She picked one up on her lunch break. They told her who it was. Being that shes a collector she knows they have to call with a number that you can call back on the caller ID and can not restrict the phone calls. She advised the rep it was not me. And told the rep of this. The rep completely disregarded this was rude and kept asking if she was my wife and would not even speak of the situation and illegal tactics at hand. They called 4 times yesterday, 4 times today from this restricted number its harrassment as one time was only about a half hour apart. Its was XXXX and they called already 4 times. On top of the 4 restricted calls today they also called her from at least 1 unrestricted number as well which makes 5 calls before XXXX XXXXXXXX. They have also affected her one card she has through them in a retaliatory manner due to me missing one payment they advised it was due to her credit score decreasing when it actually  increased. We do have her phone records if needed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have my Bank of America setup for automatic payments, paid from my XXXX XXXX  account. BOA processed 3 separate payments on XXXX. {$5200.00}, {$580.00}, {$580.00} This caused my account to incur overdraft fees. 
I spent 60min on the phone XX/XX/20 with them. They refused to pay the 2 {$37.00} fees. I asked for nothing else to be taken from my account. I also wanted to cancel auto pay. 

XX/XX/20 am another {$580.00} payment was attempted, with another {$37.00} overdraft fee. 
I am on the phone currently with them, as they refuse to pay the 3 overdraft fees. 
Customer service is terrible, phone time is absurd, and I would NEVER recommend this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I recently settled by {$4600.00} collection with bank of America for {$3000.00} on XX/XX/XXXX. During the settlement conversation, I was advised to call back on Friday XX/XX/XXXX to verify that the account status had been updated to settled so that my mortgage company could have the three bureaus call in to verify the same. The urgency is due to me needing to close on my new home but the updating of this account is the only thing delaying this. When calling today, the representative that I spoke to would not clearly verify that the account read as a settled account nor would she transfer me to a supervisor upon requesting to be. I settled an account that in a few months would no longer be on my credit report due to the 7 year rule with FCRA in hopes of having this resolved quickly. But now I am getting conflicting information and can not get the account verified as settled.

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 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
We applied for a modification from Rushmore Loan Management Services, and we heard back from them, with an approval that we do not understand. 

The approval is asking for {$7000.00} down, we are fine with that. But our monthly payment would be {$3500.00}!!! 

We did not understand how is it that they think we could afford a monthly payment of {$3500.00}, cause we did NOT submit that kind of income to them, cause it simply does not exist. Our gross income is approx {$8500.00}, and our take home is way less than that. So there is no way our income could support a {$3500.00} monthly payment. 

We called in for it to be explained to us, as to where do they find that we can afford such a payment, and the agent we spoke with, could not explain. All he said was that the bank used the income we sent in, but thats a lie, cause we did not submit income of over {$10000.00}. So we actually have no answers and we are confused. 

Im guessing they may be trying to use rental income from a property thats being foreclosed on, with mortgage payment of {$1500.00}, and there are NO TENANTS! Property is being foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I made a large deposit via check at the counter inside the branch with funds received from escrow. After the deposit was completed, I was notified by the receipt that the funds would not be available until 14 days after the deposit. I contacted the bank to no avail. This account has never been overdrawn, and there is nothing suspicious about the check.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am being charged finance charges from Synchrony Home Credit Card Company ( XXXX XXXX XXXX ), for an expired promotional purchase that is not displayed on my monthly statement. I called the company in XX/XX/2019 complaining about being charged interest without seeing the information on my statement. They refunded my interest, but they didn't tell me at that time I had 2 other outstanding balances that I was being charged interest on that was not displayed on my statement. When I called today to discuss they said I was being purposely obtuse and because I didn't ask them in XX/XX/2019 if I had any other outstanding balances that I was also paying interest on they did not have the obligation to tell me. They never disclosed I had 2 other hidden accounts that I was paying interest on. I have the funds in my checking account and could have paid the entire balance I owed in XXXX, but instead they deceived me by not disclosing on the phone or on the statement and I continued to pay interest when I did not need 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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bliksum, LLC
State: TX

Complaint narrative:
My current XXXX credit report shows unauthorized and unrecognized inquiries from loanme/XXXX/XXXX. The inquiry was made on XX/XX/2020. I have sent written request with delivery confirmation on XX/XX/2020, requesting that this inquiry be removed immediately. It has not been removed as of today XX/XX/2020. This unauthorized/unrecognized inquiry is having a negative impact on my credit score/report and has already been cited as a reason why I have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX To Whom It May Concern, My bank has informed me that there is negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing OVERDRAFTS and a CHARGE OFF amount of {$960.00} on XX/XX/XXXX. My bank has informed me that there is negative information reported by XXXX XXXX XXXXXXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing SUSPECTED FRAUD ACTIVITY and a CHARGE OFF amount of {$17.00} on XX/XX/XXXX. 
I have sent out several letters which two of them were Certified and did get a response that those negative items belong to me also know as VERIFIED. Which is not true. I have been a victim of an identity theft and did file a police report with XXXX XXXX, IL police department as soon as I found out about it. Report number will be attached with the rest of the documents. I am respectfully asking banks mentioned above to immediately remove that negative information from my ChexSystems report and clear up this matter. As they have now violated federal law, by not properly investigating within the required time frame, and I have evidence of such.

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I overdrafted my bank account and then the bank helped themselves to excessive fees and refused any leniency after being with their bank for nearly 6 years. The frustrating part here is the WAY it all played out. 

I had XXXX in my account and then my loan payment ( through Wells ) went through for {$100.00}, but was denied. After that, 2 unexpected charges were accepted of {$6.00} and XXXX. So then Wells Fargo charged me {$35.00} each for the overdrafts PLUS the {$35.00} for the NSF check fee. Then, on the back end with the loan, charged me an additional two {$35.00} fees for being late and having a returned check. I called into customer service to ask if anything could be done and they refused. They told me that I could " opt out '' of overdraft protection online to prevent future issues. I told them that in my time with them there was maybe one time where I asked for a fee to be reversed as a courtesy, and let them know that I was on extreme financial hardship and they still refused. I asked at the bank in person and got the same answers. 

Then I went online to unenroll and the entire process was incredibly frustrating and confusing, taking almost a half hour to complete. The website kept taking me to the ENROLL page when I would click on the unenroll button. The pages are vague and purposefully confusing to discourage people from actually unenrolling. To get to the unenroll page I had to agree to enroll first before I could then unenroll, all while being pressured with messages telling me how embarrassing it would be to have my card declined while trying to buy groceries or pay for dinner, which was insult to injury. 

And then today, after I unenrolled back at the beginning of XXXX, I have a pending charge that is over my bank account, so I feel like all the troubles I went through were for nothing.

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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Collections, LLC
State: CA

Complaint narrative:
I want to report multiple violations that Capital Collections LLC is committing to the Free Credit Reporting Act and to my rights as a consumer. 
Just to mention two serious violations, see below : 1. Incorrect last activity date 2. Post charge-off interest I am demanding this company to remove the item from my report and send me a deletion letter for my records. I am having psychological issues because of this situation. 

Please send the attached documents to Capital Collections LLC. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
On XXXX, XXXX, and XXXX, I have paid {$1000.00} toward my only cc ( XXXX XXXX MasterCard ). I owed over XXXX on this card with a XXXX balance in which I barely used without being behind. I paid a total of {$3000.00} in less than a 30 period, which is now slightly over {$2600.00} as to be owed as of XXXX. Capital One is the only cc that can sink me or take my credit score to another level. I have no current collection or home loans that can hurt my credit status. However, I been thru this before with Equifax whereas they tend to go the opposite way when updating my credit score, and XXXX and XXXX  will go up ( in late XX/XX/2020 ). XXXX  went up XXXX ( XXXX XXXX XXXX ) and XXXX  ( XXXX XXXX XXXX  ) also went up XXXX. Equifax went down XXXX when all three credit bureaus were updated as of XXXX. No matter how much I pay on this card, Equifax is the only credit bureau that tends to decrease my credit score, not really motivating a user to pay off a debt. Once again, I need to know if Equifax is calculating and seeing all the payments being posted to my only cc, or just giving out a number to users thinking that we are not really concerned or watching their version of a credit score. What does it take for Equifax to investigate their software that calculates and gives out a false credit score to those that are paying more than the minimum payment in less than a 30 day period??? According to the other two credit bureaus, my score should be an average of 690+ and XXXX  for Equifax alone. I need Equifax to factor in my last 3 payments of {$1000.00} in less than a 30 day period and give me a realistic updated score of at least 695 please. CFPB, please investigate and reply back with status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a business account with BB & T and I never opted-in for them to pay my debit card transactions when I don't have enough money in the bank. I spoke with Representative XXXX on XX/XX/2020 that said for business accounts you are automatically opted in unless you opted out. The rep said they do not offer opt-in or opt-out Because they had me opted in I was charged a XXXX fee on XX/XX/2020 for a transaction that processed through my account. I was also charged a 7 day negative fee of {$36.00} on XX/XX/2020 because of that same transaction. I'm mad that I was hit with {$72.00} in fees because of BB & T automatically had me as opt-in instead of opt-out. I did not think they could automatically do this to a person.

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 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
None of the options fit my complaint. I contacted Medical Data Systems regarding a medical debt with XXXX XXXX XXXX Hospital. I arranged payment in full with the understanding that this would be removed off my credit. The account is still showing on my credit report with a XXXX  balance. When I called back and spoke with my representative, XXXX, she told me she is not able to remove the debt since they do not buy the debt but work for the hospital. I called the hospital and was informed they sold the debt and Medical Data Systems would need to submit the deletion letter. 

Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is a Complaint against Conn 's. I paid owed a little over XXXX on a charged off dept. I reached an agreement to pay {$53.00} for full and final settlement. I paid it and have a letter stating same. I have bank confirmation of payment and emails from the man I did the transaction with telling me he would take action to get the phone calls, text message and emails to stop. They have continued for 3 months even after I have asked several times for them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: MI

Complaint narrative:
Initiated several disputes to Experian.com over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Some accounts were removed, but some that got a lame reply back that their records show " the company that reported the information has certified to Experian that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of original signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!

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