vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
SunTrust bank has caused me as well as my family much anguish by charging off a SunTrust auto loan account which was paid as agreed. In XXXX 2017, Ive received a phone call from XXXX, a SunTrust Bank representative, notifying me that my auto loan was about to mature and that I must pay a final payment of approximately {$3200.00}. I explained to XXXX that I could not make the high payment of {$3200.00} at the time. I asked XXXX would SunTrust Bank allow me to continue to make regular payments of {$300.00} a month until the loan was completely paid in full. Since I had never been late or missed a payment previously, XXXX, agreed that SunTrust Bank would indeed allow me to continue to make regular payments of {$300.00}, in which I faithfully paid every month thereafter. Not only did I pay as agreed, I also made double payments whenever possible in order to speed up the process. However, after paying as agreed and getting my balance down to around {$1000.00}, on XXXX XXXX, 2017, SunTrust Bank, being the predacious institution that theyre, charged my account off and caused major grief to myself as well as my family. Knowing that the charged off account would destroy my credit rating for seven long years and cause unforeseen hardships upon myself and my family I decided to pay the {$1000.00} payment to SunTrust via the collection agency, XXXX, in order to pay the loan in full. This charge off is especially concerning to me since it also affects my XXXX grandfather, XXXX XXXX XXXX, who co-signed with me for this loan. At this point, all I wish is that SunTrust Bank would have a little compassion and honor their agreement and change the account status to paid as agreed.

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 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX, I called Transunion to remove inquries that i did not authorized.i spoke with a XXXX Rep that was handling my request. in the midst of our phone call, as we confirming the ones that needed to be removed, the call was disconnected.i called back and waited 15 minutes to get another XXXX rep on the phone.i explained to him what happened and how the XXXX Rep on the phone.I explained to him what happened and how the XXXX rep was deleting unauthorized Inquries and could he continue. he told me that he couldnt do it Again. i explained that the other XXXX rep was in the process of deleting these unauthorized Inquries.however.he did not care.needless to say, he didnt help mewith what the other XXXX rep was more than willing to help me with.there is XXXX inquries and also a repo from a car loan place and my score drop twice after talking to them when my accounts are all in good standing none of these Inquries since XX/XX/XXXX have been mines because i file an Identy theft

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 2017-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I took out a loan from Cash Call 2 years ago and they have attempted to collect the debt through very unprofessional tactics. They would call my place of employment and my relatives threatening them. They recently sold my debt to a company called XXXX XXXX XXXX and this company has used the same scare tactics to get me to pay when I have informed them that I am not financially able to afford the payments they have laid out for me. They have threatjyed to take me to court. This has caused a lot of mental and physical stress for everyone around me. My relatives are being harassed constantly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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:
On XX/XX/XXXX my Freedom Unlimited credit card was denied when I attempted to pay for lunch. In the afternoon, my wife attempted to make a purchase at the mall and her purchase was denied using the same card. I called the bank credit card services at ~XXXX XXXX and I was informed that both my credit cards ( Freedom and Freedom Unlimited ) were closed. When I inquired about the reasoning, I was informed that Chase Bank has decided to close my other accounts and therefore credit cards have been closed as well ( other account referring to Checking and Saving ). When I asked why I was n't even notified, I was informed that a letter was sent the same day my credit cards closed. After about an hour of being bounced around on the phone, a lady with banking informed me that " my account has been reviewed and the bank has decided to close my accounts ''. As I repeated my question, she kept answering the same exact way ( maybe changed a word ) but no answer as to why?!? I have been a good customer and have had no issues in regards to payments. How can my checking, savings and 2 credit  cards close with no explanation?!? I was informed that I can continue to use my checking and savings until XX/XX/XXXX as they will close later. I still have no mail about any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Portfolio. The letter states that I owe XXXX XXXX {$900.00}. Account # XXXX. I filed a dispute in XX/XX/XXXX regarding this matter. This issue is dead ... I do n't remember this bill, and if I did { XX/XX/XXXX} it is out of the statue of limitation in the state of CA. I do n't want their error on my credit report. On XX/XX/XXXX there was an soft inquiry ran by Portfolio. They were running XXXX or XXXX soft inquiries a month for years. Please leave me the XXXX along. No more calling from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo charged {$2000.00} to my XXXX XXXX XXXX XXXX XXXX from a company called XXXX XXXX , in XXXX FL. I called them and told them I had never heard of such a company and had not done any business with them. They refused to return my money and claimed I had dealt with them. There was no phone number to make any contact. I have been fighting this cause since then. Last week I was told that my time of limitation has run out BUT I have been on this case since XXXX. 

The following year on XXXX, I was charged {$1500.00} to sell my timeshare. Then on XX/XX/XXXX, the same company, XXXX XXXX XXXX, called me and hurriedly told me they needed {$3800.00} as they were selling the property. I was confused and did not realize that I had already paid them {$1500.00} earlier that year. This was charged to my XXXX XXXX XXXX XXXX XXXX. I refused to sign the contract and asked them to cancel. 
I called Wells Fargo and asked them to refuse the charge. They told me they could n't reverse it. In doing so, they accepted the scam charge rather than supporting their client who had been with them since the sixties. I received a letter which claimed I had profited from this charge. How can they prove that? Still pursuing this all these years and the time of limitations is up. They never sold my timeshare.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX i went to XXXX XXXX store to buy a cloth, the cashier suggested me to open a credit to save 10 % so i did it. i put the first purchase in the amount of {$58.00} in the credit card. on XX/XX/XXXX, i received a called from credit card company telling me that i did n't make the payment, i explained to her that i never received the credit card or statement that is why i did n't make the payment. i told the representative i would like to make the payment and keep my account with XXXX balance, as we agreed i make the payment of {$58.00}. 
On XX/XX/XXXX, i received a statement with the late fee, i spoke to manager XXXX, she said i have to pay for late fee. due to payment of {$58.00} was on second day of cycle period. she refuse to do anything. so i told her i would not pay any of fee and i ask her to close my account. she said she will. however, she never did. i still got hit with late fee after late fee. 
the credit card company refuse to close my account, just keep hitting me with the late fee and interest charge. as consumer i felt very unfair, i never receive the credit card, never use the card, and I already make the full payment, i should n't need to pay for all the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: CA

Complaint narrative:
XXXX/XXXX/XXXX We 've stolen our a merchant credit/debit card machine ( attached by police report ) by robberies. 

XXXX/XXXX/XXXX We called to report for Bank of America Merchant Service that fraud transaction total is {$95000.00} and they credited it back to account. 

XXXX/XXXX/XXXX The Bank of America Merchant Service charged fees that is {$1800.00} and called them to ask about it. They will investigate it and check it. After that no response. 

XXXX/XXXX/XXXX XXXX : {$7100.00} First, Received a phone call to charge back from Bank of America Merchant Service Collection Dept. and they said that we have to pay {$7100.00} for multiple charge back and fees. They did n't give any solution it and called a BOA merchant service to figure it out what is going on and they made case no. XXXX. 

XXXX/XXXX/XXXX We called again to BOA merchant service collection Dept. and gave increase amount that is {$9800.00} and then we asked why is more than before. An agent said that more charge back and gave another security Dept. # with a special agent said to refund only {$1500.00} credit back to account. 
We talked her why fraud transaction total amount {$95000.00} for charge back to us {$9800.00} then she said that gave back to us only {$1500.00} amount. 
She only said that they can do only for credit {$1500.00} back amount and she did n't explain well and not understand to refund the full of amount we got charge it back.

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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I signed up for a gym called XXXX last year of 2016. I enrolled there for 3 months and canceled my membership directly with a sales associate. That person told me I was good to go and I successfully opted out of my contract. A month later, crunch billed me. I spoke to them in person and called and told me it was a misunderstanding. They repeatedly billed me month after month for a year straight and turns out from there lack of communication they have n't successfully opted me out due to the monthly bills and now i have a derogatory mark on my credit score which has affected my score significantly!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I received a letter stating I had until XXXX/XXXX/XXXX to resubmit my information for XXXX through XXXX. I lost my job last year and have been doing contract work since and created my own XXXX as a XXXX, so I had questions as to how to report my current income given I do not even make half of what I made last year. I called customer service and submitted exactly what they told me to submit on XXXX/XXXX/XXXX. I faxed the documents as well as sent them in the mail on XXXX/XXXX/XXXX. I received a letter stating more information was required and my bank documents were not enough as I was previously told. I immediately sent in what the next person told me to send in which was a letterhead from my XXXX stating this was my business that I own and I pay myself. 
I received a denial. I called and was told this was because I stated " sole proprietor '' and not business owner on the letter. I asked exactly what does the letter need to state because I could not afford the payments of almost $ 1600/month when I am a XXXX mother and only bring home about $ 3500- {$4000.00} a month. I was then given an amount of $ XXXX. I questioned this as this was more than the 15 % I was told my payment would be. I called again and emailed. I was told I was denied again and my payments would be based on my income from XXXX when I made almost three times the amount I do now. 
I called and spoke to another representative. XXXX now told me I had to resubmit my application entirely in order for them to recalculate their mistake. As soon as I did, XXXX stated my application was now late and added {$20000.00} to my balance. They finally fixed the calculation after weeks of phone calls and begging for someone to listen to me. 
XXXX finally calculated my payments correctly based on this years income and not my previous job from which I was laid off, but not before demanding one inflated payment due right before XXXX. I am a XXXX mother of XXXX children and I have only made {$900.00} this month due to insurance company delayed payments from the patients I see. I XXXX XXXX XXXX XXXX XXXX and that business has died because I XXXX XXXX XXXX XXXX in which no one knows what is happening to that any longer. There is no way I can skip paying my electric and house payment in order to pay a loan payment that never should have been calculated so high to begin with. The calls are recorded and they have proof I did exactly what I was told to do by them. 
Each representative told me something else. They made the mistake and are now trying to exploit money out of it. They are holding my credit hostage too. I have good credit and now it will be ruined because I literally can not make the inflated payment they are demanding due to their miscalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this  removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.

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 2017-12-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX I called Transunion to remove inquiries that I did not authorize & to challenge Derogatory Items. I spoke with a US Rep ( XXXX ) that was handling my Request. In the midst of our Phone Call, as he was confirming the Information that needed to be removed, the call was disconnected. I waiting for him to call me back since it was Transunion fault but nothing. I called back and waited 45 minutes to get another US Rep on the phone. I explained to her ( XXXX ) what happened and how the US Rep was deleting unauthorized inquiries and could she finish what he started. She told me she could n't do it. Again, I explained that the previous Rep was in the final processing of deleting the unauthorized inquiries. However, he did not care. Needless to say say, he did n't help me with what the other US Rep was more than willing to do due to my Identity Theft Police Report. The Inaccurate Information is as follows : XXXX XXXX-Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX, XXXX/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 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery constantly contacted me about debt owed to XXXX XXXX and XXXX although I told them not to. Also they reaged the debt and rudely informed me that I would have to pay or else. They said they would continue to ruin my credit. I was coerced to pay it and was promised that the items would be deleted from my report. The items are still listed on there although I have disputed them. One of the supervisors was also really nasty to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/17 I contacted Experian about unauthorized inquiries on my credit report. I spent almost a hour on the phone and waited for a supervisor so that I could dispute the unauthorized inquiries. The rep I talked to first told me I would be able to dispute or delete them with the supervisor and I was transferred and waited on hold for almost an hour. Once the supervisor got on the phone, he said he could not help me. Every inquiry on my report was not aunthorized by me except XXXX XXXX in XXXX 2017. Every other one is no authorized by me. I would like these deleted.

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 2017-12-15 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: HONOR FINANCE, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.

Company response to consumer: Closed with explanation