vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been going back and forth with the Transunion about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.

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 2019-01-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been going back and forth with the XXXX  about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I just buy a BMW at bmw dealer, weh have finance with bmw finance, i know they help to get the car, they are very good sales and manager was nice we us, we just ask to have better interest rate on the loan because we trade a XXXX XXXX XXXX XXXX with less than 11,000 miles, almost new..we ask for more on trade.by the can't get more for the trade.we said ok so give me a better interest since we have 1,9 percent with XXXX XXXX in the XXXX..i was not expecting the same rate but better than 7,9 that we get we ask they said is the best we can do..i believe they can do better since we never miss a payment on my mortgage or on the car loan.also my husband and i we have a total income for about 80,000 a year. also we put XXXX dollar down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX from XXXX XXXX Bridgecrest on XX/XX/XXXX for XXXX Plus I also added three extra services because it was used, and I wanted to make sure it was covered in case of a breakdown, loss, damaged, or totaled. So I paid XXXX for Gap, and XXXX for motion Gps and, XXXX for XXXX XXXX coverage for maintance issues. will on XX/XX/XXXX I was in a auto accident, and the car was deemed a total loss. I was rushed to XXXX XXXX at XXXX in XXXX XXXX for a XXXX XXXX, and was in XXXX. I filed a claim, and the insurnace and, Bridegcreast agreed to a settlement amount of XXXX My insurance sent a check in XXXX and, another in XXXX. Gap also applied XXXX and, I had made payments in the amount of XXXX. I never did get a refund on my warrantys even after I canceled them acording to XXXX it was applied to my balance. The car was only XXXX dollars, I only had the car nine months. Bridgecrest charged off my account, even after they got over XXXX. That is odd because they got payments in XXXX XXXX XXXX. I spoke to XXXX from Bridgecrest on XX/XX/XXXX and, he told me that the account was paid and, that they report to the credit companys at the end of the month, and it would say paid. I am being charged interst on a car I only had for nine months. They basicly got almost the full contract as, if I had the car for the full 65 month term. This is wrong. This account should not be charged off as, they where getting payments from the insurance companys that I paid for those inruances to cover things like this. It should count as, payments that I made. the car was a XXXX car that I had for only nine months but yet Bridecrest got basicly XXXX and is still trying to claim I owe XXXX they reported it to my credit reports all three. so in fact they are trying to get the full interest for the full 65 months, and the prinpicle balance, when I should only be charged interest for the time I had the car which was only nine months, its a simple interest contract, and you got payments in XXXX XXXX XXXX XXXX I should have only been 30 days late for XXXX. I also want to add that even after I signed the car over I still made payments to the lien holder. I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I told Bridgecrest this, but they did not care.

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 2019-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I called Citi Bank on XX/XX/XXXX to downgrade my current credit card with them for a card of theirs with no annual fee. After 10 minutes in the automated system trying to talk to a customer service representative I got to the cancel you card thing, thinking thats when I would talk to a customer service representative I went into that many, and the card got cancel with no verbal confirmation. I was told that my card couldn't get downgraded with out verbal confirmation but some how it got canceled with it. I was able to get to a customer service rep right afterwards but it was canceled. I got passed around to 3 reps and finally they said I could appeal the decision which I did and then I should call back in 10 days. I called back 14 days later and it was said that no request got inputted into the system and now I can reply and get charge the annual fee again and have a hard pull on my credit. They were extremely unprofessional with all of it. And I have over an hour on the phone with htem.

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 2019-01-13 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Option was not included in selections. I am having the problem of Ally Financial contacting my parents, aunts, uncles, and cousins. I have recently taken a severance package from my work. I am not currently working since then and am waiting for my severance pay. I have told them that is what i am waiting for to pay it and that it would be within 2 weeks and they keep calling all of my family multiple times a day every day and have been told to stop calling from my family members.

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 2019-01-13 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:
Portfolio Recovery has been harassing me for many years. I did not know I had rights and that they have been violating them. First they call from multiple numbers. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX are just a few of the numbers that they call me from. They have threatened to sue me. They have threatened to serve me papers at my job on XX/XX/2018 at XXXX XXXX. Many of calls are robo calls including call on XX/XX/18 XXXX XXXX ,XX/XX/2018 at XXXX XXXX, XX/XX/18 at XXXX XXXX, XX/XX/18 XXXX XXXX. I have asked them to stop calling me. I am on the do not call registry. I have never given consent for them to call. Every time I tell them to stop calling, they call from a different number! They have never provided me with any proof that I owe them money or proof of the original debt owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax states that they do not have an account for me, when they do, I am attaching reporting from XXXX XXXX, from Equifax. Equifax sent me a letter asking for copies of my social security card and driver 's license. 

Equifax had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

XXXX XXXX claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as XXXX  retail card services. I have attached their XXXX  page as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX states that they do not have an account for me, when they do, I am attaching reporting from XXXX  XXXX, from XXXX. XXXX sent me a letter asking for copies of my social security card and driver 's license. 

XXXX had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

TD Bank claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as TD retail card services. I have attached their XXXX page as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc.
State: CA

Complaint narrative:
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from Vital recovery service for a debt from XXXX. I never heard from XXXX or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called XXXX  regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. XXXX never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from XXXX or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been trying to apply for repayment options since XX/XX/2018. The total loan amount is approximately 17,000.00 I have submitted the requested paperwork multiple times, changing my monthly income stated as directed by the representative, and was told that the process was completed. I was then re-contacted and told that I did not qualify and that the process was not complete. 

I requested and spoke with a supervisor who provided me another option of consolidation. I called back to speak with a representative to ask a few questions as I was about to submit the new paperwork for consolodation. This new representative then told me that I was eligible for the repayment application and should not consolidate. Each representative has provided different, conflicting information. 

I still have not been able to complete the process and obtain a repayment plan that is manageable for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The credit card collection agency wrote to my address threatening me with a lawsuit and to seize anything in my name for the debt. They portrayed themselves as lawyers and even went so far as to file it with our county courts. I dont owe them I dont have a contract with them. They bought my debt from a credit agency who has since wrote off my debt. In accordance to the law of contracts once a debt is written off its no longer owed. They sold my debt and were paid for it. I dont have a legal contract with midland funding please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Inquiries bad remarks on my report that I don't recognize

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 2019-01-14 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Inquiries bad remarks on my report that I don't recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i need fraud alert removed from my report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I receive a payment notification of {$170.00}. What for? 
This card troubled me from the very beginning - it was approved immediately but never reached me. As a result, I could not receive any benefits. Then the card was neither received nor in my use but I keep on receiving notifications about the charges made on the card. Id be asked to pay those unauthorized charges along with the elate fee/interest charges that were added to the unauthorized transactions. 
Also, this card didnt have the annual fee for the first year. But I receive the card so late that I was asked to pay the annual fee for the 2nd year. And so I canceled the card. But now, two months later I received a notification from Amex to pay {$170.00}. I wonder what is it for when all the payments have been made. Please help in terms of 2 Amex credit cards : 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Please help me in terms of removing these unauthorized charges and closing both the Amex cards permanently. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from XXXX XXXX XXXX for a debt from Nissian. I never heard from Nissian or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called Nissian regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. Nissian never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from Nissian or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: OK

Complaint narrative:
Family stole property and bank accounts added their selves as benefiuaries. Of accounts opened safety deposited boxes in my name they been mail frauding me for benefits which im entitled.they been using ids.to get vehicals in my name tracking phone and email address to defraud i have no money and the banks aint giving me. No account numbers or calling me to recover property or letting me know of such fraud people that say their taking care of me is lying their stealing my mony for their own proper use i dont need a pay e or i dont neef nobody in charge of assest ssa has failed to give me payments and disclosures i would like all banks with.my social security number allowing such breach to others claiming gaurianship on my accounts trust and property i dont have a car right now i dont live in a house my address is XXXX XXXX XXXX XXXX XXXX  phone number XXXX XXXX XXXX their using my emai and adress to transfer money through accounts so once officers like me find peole.like that hold them accountable of all crown benifits under such allegations to defraud the system i dont have any access to any bank but XXXX XXXX. XXXX XXXX online and accounts shut down. XXXX  hasent allowed me access to accounts shut accounts down i dont have a credit card so findings on them. They need to disactivate morgages and property that got inheritef to me ii never got ihavent got no keys to owned property on XXXX XXXX XXXX i had a contract with XXXX XXXX  and housing authority on purshase of home my aunt XXXX XXXX and XXXX XXXX is stealing me and my brother and sister accounts off a pod accont owned by her but for the benefiuary of us and.my mother XXXX XXXX.she hasent gave us access to accounts in 18 years i would like checks from all claims and findings on tax returns any person playing victim and me incompetant in entent to fraud governments of the law shall be affaidat and tried through united states legislation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: OK

Complaint narrative:
On XX/XX/XXXX saturday two weeks before XXXX my card number was used in new york at XXXX XXXX they stole XXXX dallars when i called XXXX XXXX XXXX XXXX they only told me this info and im in oklahoma they sent out a paper and i filled it out sent back ive called everyday no update these people are a joke and they are criminals i want my pay back im a single mom they need to be shut down most people ive spoken to are foreigners and make excuses for the ones who have stolen your money its a scam how can i get my money back they gave me an dispute id XXXX but no money still this company is a fraud they help foreighn countries and there people steal our hard earned money please do something theres thousands ofcomplaints on 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