vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING

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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2018 I noticed XXXX XXXX reporting a debt on my credit reports ( Original Creditor XXXXXXXX XXXX Nevada, Balance {$470.00} ) I mailed on XX/XX/2018 XXXX XXXX a debt validation request, especially because this account is past the statute of limitations but is appearing as a new account on my credit report. 

XXXX has not verified the debt, yet continues to attempts to collect the debt and report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: IL

Complaint narrative:
This company has called my place of employment multiple times. XXXX is the representative who keeps calling me. I spoke with her last week while I was at work onXX/XX/XXXX and told her not to call my place of employment. I received notification todayXX/XX/XXXX that she again attempted to call my place of employment even after specifically telling her not to call there. I again notified her to not call my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Contacted in 2013 by XXXX XXXX that Bank of American placed me in their system because they suspected a fraud, which I am not aware of. I contacted the Bank for clarification, which indicated, I am not owning the Bank. I was assured that the alert will be deleted. I write different letters back and forth to the bank, but all to no avail. Ever since then, I was able to open an account with 2 banks, with no issues. Now the problem is that I have a family and unable to get a job because this fraud keeps coming up anytime they do a background 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 explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I received a letter from Wells FargoXX/XX/XXXXbased on that statement I owed {$650.00} I paid {$200.00} which I thought would bring my bill down to {$450.00} but instead the letter indicated I owe {$1300.00} after talking to several representatives my balance actually was {$710.00} as of XX/XX/XXXX statement. I called Wells Fargo and I had representative name XXXX ex XXXX working with me i was trying to get the late fees waived because in XXXX I filed banckruptcy and I reafirrmed with Wells Fargo and the amount we agreed on was no late fee just 4 % intereste rate, my court letter indicated no late fees. Then I received another statement dated XX/XX/XXXX with a new balance of {$910.00} I called XXXX to find out why would my statement go up {$200.00} she tried to explain to me that since I missed XX/XX/XXXX payment they added the XXXX to my statement because I missed XX/XX/XXXX payment. I told her that I can see a late fee and interest but how can Wells fargo justify adding {$200.00} to my statement.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
approximately a year ago, when the data breach at XXXX  occured, i reached out per best guidance to the credit agencies.

transunion somehow slipped me into a monthly payment program which i have been unable to get out of due to no one ever answering their XXXX XXXX phones. i've placed several calls to several numbers related to transunion and have given up at the 30-60min mark of being on hold. i never opted into any program, nor did i ever provide bank information for payment to occur, yet somehow my checking account is being drafted with no stop in sight. i'll be contacting my bank to stop payments.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX TO : XXXX TRANSUNION According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number 1 ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, PA REPORTING LATE ( XXXX ) XXXX XX/XX/XXXXTHIS DEBT IS SOLD DOUBLE JEOPARDY 2 ) XXXX XXXX XXXX   XXXX ORIG XXXX XXXX {$1100.00} ACCOUNT NOT MINE 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX. NO KNOWLEDGE OF THIS * Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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 2018-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a first position HELOC that was originated with XXXX before the Wells Fargo buyout. During the recession that started in 2008 the line was frozen due to credit challenges I endured due to my being in the mortgage industry. I have never been late on any payment on the line since its inception with XXXX. Despite having enough time between negative entries on my cedit report and the present day to get a conventional loan, Wells Fargo will not un-freeze the line, even with a reduced credit line amount to the present balance. I have applied 3 times over the past few years. I believe this is becuase the original contract with XXXX has a interest rate of prime - .50 %. Their purcahse of XXXX did not give them the right to unduly burden the XXXX customers they acquired.

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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This originated from Walmart. I tried calling to get verification from Walmart which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from XXXX I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with Walmart was not {$2800.00} which XXXX states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling Walmart I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.

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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I just received the XXXXBarclays Visa credit card that has a value proposition of 4 % back on restaurant spend. I got my first statement and noticed there are 4 separate transactions that did not appropriately apply the 4 % rewards. When i called customer service, they mentioned these merchants have the incorrect merchant codes and that is the root cause of the error. I asked if there is anything i can do to resolve this issue and we both determined it would be strange if i called the merchant and ask them to fix their merchant code. 

My complaint is based on the fact that XXXXBarclays does not have any mechanism/process to correct the merchant codes with their merchants. Also, when trying to request this as a formal complaint, they said they have no such thing. 

Losing rewards points is equivalent to losing cash and the fact that XXXXr/Barclays has no mechanism to ensure the consumer receives what was advertised is unacceptable. How do i know that they don't tell the merchant to setup their code as " miscellaneous '' at the point of credit card system setup?

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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has a hard pull on my credit score i never approved i closed out a capital one card i had 6 months ago i never applied for another car Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and Nelnet said I haven't paid the account in months. After speaking to various people at Nelnet I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge Nelnet reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called Nelnet and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the Nelnet 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to Nelnet 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XX/XX/2018 I purchased 4 XXXX gift cards from XXXX XXXX XXXX in XXXX XXXX, CA totaling {$2000.00}. Upon purchasing, I noticed that all the cards were opened. I was able to register my cards, two of them I was able to remove the balances, while the other two were hijacked and used at a XXXX over 100 miles away.

The cards are issued by US Bank, and I have called their fraud help line to file a report. I filed the report the same day. I am assuming that they are not going to investigate and they are telling me that it may take longer than 90 days to get my money back. I have been ripped off for about {$1000.00}.

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 2018-04-11 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: MS

Complaint narrative:
Essentially, Equifax lost my line of credit. My other creditors have no problem receiving and reporting my credit score. On XXXX XXXX I sent in my documents to equifax to verify identity. They took a tremendously slow time processing these papers. As recently as XX/XX/XXXX various members within Equifax said I did not send my papers and they could do nothing to help me. Through my roughly 50 phone calls, I have pieced together that Equifax lost my credit file and my attempts for my creditors to send my files via XXXX   have been thwarted because they do not have a file for the AUD numbers to be sent to. On XX/XX/2017 my Social Security number was used in relation to a different consumer. I obtained this through a separate credit agency and an internal error within equifax is the cause of the fat fingering. Despite numerous notifications that I am under contract with a property, Equifax has done almost nothing to rectify their error, thus potentially causing me to lose the property and hundreds of thousands in losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
The amount I am disputing with this company is {$120.00}. On XX/XX/2017 - I applied to be a resident at this property. The day of application, the property had free application fees waived on approved credit. Since my application was approved, the company was only authorized to withdraw {$100.00} from my bank account. The {$100.00} was for a holding deposit. Therefore, I set aside {$100.00} for this withdrawal. Instead of the company withdrawing the authorized {$100.00} -- they attempted to withdraw {$190.00} -- {$100.00} for the holding deposit and {$95.00} for the application fees. My bank denied the transaction and I was charged a bounced check fee of {$35.00} with my bank -- I have called their office multiple times and I have never received a response nor have I gotten my call picked up in attempt to resolve this. XXXX XXXX first attempted to collect {$220.00} - {$25.00} NSF fee, {$100.00} cancellation fee and the {$95.00} application fee. After disputing, the company removed the {$95.00} application fee but will not remove the other charges that are clearly their fault. The {$100.00} cancellation fee and the {$25.00} NSF fee. This company has continued to collect and refuse to respond to any of my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
My loan was initially given to XXXX XXXX or some agency and after that it's been transferred to XXXX Department. 
Whenever I call XXXX, they threaten with interest rate, non-negotiable options, don't work with any plan, they were wronged and fraudulently put forbearance on my account several times and now I have more than {$10000.00} of interest without my concern. 
There is a huge fraud going on in XXXX and they are putting wrong information. 
XXXX never explained about any deferement, forbearance or any such thing.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Calvary Portfolio threatened to sue me via XXXX XXXX. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: NC

Complaint narrative:
I have disputed XXXX XXXX  several times with the credit Bureaus due to inaccurate information showing on my credit reports. Experian continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Experian is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported. 

Previously Experian stated that they submitted my dispute to XXXX XXXX and XXXX XXXX verfied the information as accurate, however Experian is the company that is reporting the inaccuracies and it is their duty to complete a full investigation. Forwarding my dispute to another company is not equivalent to an investigation.

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 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity 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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and XXXX said I haven't paid the account in months. After speaking to various people at XXXX I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge XXXX reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called XXXX and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the XXXX 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to XXXX 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
I have a judgment against me from XXXX County Courts in XXXX, GA. I use to live in an apartment complex and left which caused me to break my lease. I have tried to settle the balance but have not been able to reach the company ( XXXX XXXX XXXX or XXXX XXXX ). I called XXXX XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) and they gave me the run around about how to pay and who to pay. The last time I called, I found out that another company now manages the apartments. I reached out to XXXX County Courts and they advised me to contact the lawyer for the case. I contacted the lawyer ( XX/XX/XXXX ) but did not receive a return message. I am stuck because I have been trying to settle this account. Because of this, I have been denied apartments because of this issue.

Company response to consumer: Closed with explanation