vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the 3 different credit bureaus. Twice XXXX XXXX XXXX XXXX ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX, upon my disputes in XXXX and XX/XX/XXXX, XXXX has marked my credit report with a payment status for XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.

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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Debt reported by AFNI for XXXX was already disputed and removed on other reports. They are now trying to put this back on my credit report which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I was trying to refinance an existing mortgage ( acquired less than 7 months ago with XXXX XXXX ) with Vectra Bank. They deny my application because they consider an investment interest I have in a Delaware Statutory Trusts owned by XXXX who has a loan under the Trust for an apartment complex in XXXX, Georgia as a 'personally financed '' loan. I only own 0.185 % of the investments and I do not make any loan payment to this loan as it is not under my name. I don't have any personal obligation to this loan secured by the Trust. I only deduct an interest expense per the financials provided by XXXX every year. Because of this addition to the number of personally financed property, I exceeded 10 personally financed loans per lending guidelines. I believe this addition is incorrect and Vectra has violated fair lending act and XXXX XXXX lending guideline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/XXXX I made a purchase to XXXX. I could not use the service properly and wanted to cancel. I thought I was being billed XXXX monthly but they were billing XXXX monthly average with annual payment of XXXX. They charged {$84.00} up front. Since the service is XXXX and I cant use it, I called customer service to cancel. The phone number listed on website goes to a prerecorded line that says we do not offer phone support. I sent an email requesting refund to XXXX as instructed by CITI BANK on XX/XX/XXXX and there was no response from XXXX. Their website says I can not get refund after 30 days of purchase so I acted quickly. Now I have been disputing this charge with CITI BANK who gave me a conditional credit then TOOK IT BACK and is also charging me interest on the charge as Im now over the limit. I have sent them copies of the receipt, my email request and completed all the paperwork they asked and I still do not have my refund. This is clearly consumer fraud on both ends. Ciiti bank is just as guilty as 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 monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I'm working with a XXXX XXXX XXXX and they know about it before this account was place in collections, I enrolled in Debt solutions program, and I informed this company about my situation. So now this is impacting my credit or what is left of my credit I'm going to hardship time and this company din 'd work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
XX/XX/XXXX - I informed Goodyear of a {$1200.00} payment on my account that I did not make. Goodyear responded by thanking me for the payment ( as if they did not read what I wrote them ). 
XX/XX/XXXX - Goodyear mailed me an unsolicited check for {$1200.00} and I asked them if I was free to cash the check. Goodyear responded by telling me that once the balance was validated they would be sending me a check. ( once again they seemed to ignore my message because I just told them I had a check from them ) XX/XX/XXXX - I gave the check to charity.

XX/XX/XXXX- Goodyear made a payment reversal and charged my account {$1200.00}. 
XX/XX/XXXX - I disputed the charge, but Goodyear told me I must pay {$1200.00} during the dispute process to avoid fees and interest. I paid {$1200.00} and brought the account balance to XXXX. 
XX/XX/XXXX - Goodyear makes a " payment reversal '' of {$1200.00}, and transfers the money to another credit card I hold with Citi Bank ( I did not request this transfer ). Goodyear asks me to pay another {$1200.00}. I told Goodyear to move the money back to the Goodyear account where it belongs. 
XX/XX/XXXX-XXXXXX/XX/XXXX - I have been on the phone for hours with Goodyear. They keep apologizing for the problem and saying they will fix it. At the same time they add interest and fees to my account and have reported me as delinquent to the credit bureau. They harass me with multiple collections calls each day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
Equifax lowered my score due to old Mortgage & Vehicle accounts that were paid off & closed years ago have now fallen off due to reporting dates. I have concerns about the methodology they use to determine credit scores. Also, I am beginning to think there is a bit of discrimination with XXXX or something is not right. If a person refuses to take on excess debt for the purpose of these credit bureaus reporting higher scores why are they being held as not creditworthy? The entire credit score reporting industry is a scam fiasco.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2019 I submitted an application to open an account through Simple Bank. After 2 weeks of not hearing anything, I contacted Simple Bank this morning ( XX/XX/2019 ). 

XXXX explained to me that my application got stuck through the process and there is nothing they can do to push it through. She stated I could apply again but it would more than likely get stuck again. 

I asked her if there were any issues causing this to happen with my application and she stated ... it sometimes happens due to a technical glitch. I asked if I could submit an application or open an account over the phone and was told no. I then asked if I just need to just not open an account with Simple and she stated yes. 

I am beyond confused with this situation and how/why it was so easy to just not accept me as a customer. 

XXXX was also very unsympathetic of the issue and no apologetic. 

I am very disappointed in the lack of service I received today with Simple Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
I went into the sun trust bank and talked to XXXX regarding my dad being deceased. I told him just informing them of deceased he called the mortgage department and than started demanding payment from me ... I told him I have no money I am not taking responsibility of debt.

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 2019-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
We returned Lease of 2016 XXXX XXXX on XX/XX/2019 ( Due XX/XX/2019 ) Account # XXXX XXXX XXXX. Then received an invoice for {$2700.00} In XXXX. Immediately responded stating that the first 8,000 miles were used as Demo Car Mileage and Wear and Tear. We received no reply to 4 separate letters sent to Nissan Motor Acceptance Corporation ( NMAC ). Now we are receiving letters from XXXX XXXX which is a collection agency for NMAC! In our 4th letter to NMAC they accepted and cashed a check in the amount of {$1300.00} with no reply to correspondence attached to the check. Our credit has been hit, or will be, because of the status with NMAC and we find it very unprofessional that we have not received a reply to same. We feel this act was an illegal manipulation to extort money from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Target XXXX XXXX added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Target XXXX XXXX reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX along with a 90 day delinquency XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conferenced called Target XXXX XXXX. My wife requested Target to revoke my signing authority and I requested them to correct my credit reports. Target said the credit history on my credit file would remain the same. I them asked them to provide me with a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Target to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX  and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
the representative stated i owed them {$2600.00} and if I didn't pay it they were going to continue calling me and sending me letters in the mail until it is paid. I told them they do not have any documentation bearing my signature and I do not have any contract with Diversified Consultants. I told them as per the Fair Credit Reporting Act Sec 611 ( a ) ( 1 ) ( A ) they have 30 days to complete this investigation and remove this from my credit file. They laughed at me and still stated it was a debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have requested once via registered and once via certified mail, on XX/XX/XXXX and XX/XX/XXXX XXXX, that American Express NA send me a front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account., according to the Fair Debt Collection Practices Act 15 USC 1692. I have also requested they fill in and sign an affidavit. 

American Express has not fulfilled either of these requests, according to the law as of today, XX/XX/XXXX. 

American Express NA did send me a letter saying they DO NOT have the document that I respectfully requested. Therefore, American Express is in VIOLATION of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: IN

Complaint narrative:
Unauthorized withdrawal via check that caused overdrawn fee. Brought account current and requested to close. Tried to add additional funds to account because they stated they couldn't close the account because of the transaction that brought it current to close it and another institution didn't cancel their transaction despite me deleting my bank account from their site. Additional funds failed to add for unknown reason. New posted transactions brought {$0.00} account negative continuing to prevent closure. All this because a company sent in a phony looking check with no actual signature on it and the bank couldn't close my account when I asked them to and started charging up fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I sent Sequium Asset Solutions a formal request to send me any documentation bearing my signature. They have failed to do so and stated that their verification is valid and I have to pay this debt regardless of what I say. Sequium Asset Solutions have failed to show me proof of documentation wit their company bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX - I sent money to the PayPal account XXXX for some concert tickets. As soon as I was going to get the tickets via XXXX, the person XXXX XXXX, suddenly got rid of her XXXX account. The money was already transferred to this paypal account. I am trying to get a refund for this and that Paypal account locked for scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LoanCare, LLC
State: KY

Complaint narrative:
My loan was transferred to LoanCare , LLC, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with XXXX XXXX prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.

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 2019-07-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
While reviewing my monthly billing statement from Fortiva I found a charge on my card from an XXXX company in California which wiped out my remaining account balance. I went online to Fortiva 's website and got an online cus svc rep to answer my inquiry which proceeded to tell me to call on XXXX  and report the issue to a Cus Svc Rep. I called on XXXX XX/XX/2019 and spoke with a rep named XXXX. He reviewed my account and told me he would send me a new card and paperwork to fill out to have the fraudulent charge researched. I got the new card but never received paperwork for the fraud issue, so I called them again and asked to speak with a supervisor so I could get this resolved. The supervisor 's name was XXXX and she gave me the runaround telling me that it takes XXXX business days to receive paperwork. I told her I got a new card already why not the paperwork. She couldn't answer my questions and transferred me back to the person I spoke with on XX/XX/XXXX. Explained again what was the problem and I asked if he could email me the form so I could get this issue resolved. I received the form and send back all the information they requested along with a copy of my Drivers License and a copy of the credit card and asked for confirmation that the information was received and I have not received anything from them yet. They were more concerned that I activate the new card which I have not done so because I am not using a card which has no funds on it. Also they told me it will take up to 90 days to resolve this issue. I have always paid on time and always more than the minimum amount. The card was used at local stores near my home and I am not a traveler either. I can not believe the customer service and the delay tactics a customer has to do to resolve these sort of issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
During a period in XXXX and XXXX, I sustained a financial crisis which resulted in paying a number of accounts late. My checking account was with Bank of America. Bank of America did not pay other creditors when the account balances were too low to honor a check or a draft, but repetitively would run its own credit card or loan bills through the account, then charging both an overdraft fee and a late payment fee. Bank of America knew or should have known the money was not there to pay, and therefore acted to run up overdraft fees for its OWN benefit when I did not pay the payment due. I do not challenged the many late payment fees, but never authorized the drafts Bank of America took, apparently for the sole purpose of obtain overdraft fees on transactions Bank of America itself generated. More than a XXXX dollars was charged. I have the records to show these transactions.

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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX ) XXXX Started a debt in XX/XX/2016. From what I can tell when speaking with them this debt is for an apartment that flooded in 2016. I moved after the flood and did not return. I have explained that this debt is not valid. They are very rude. 

My main complaint with this company is that since they took this account into collections this company has increased the balance on this account monthly. I have not received any documentation from this company to validate the debt, or validation that they have a right to keep adding money to this account monthly for over two years. I have tried to find relief through credit dispute, but they only answer with a letter stating that they can not give info to third party without a signed form but will not provide the form.

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