vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 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:
I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX   with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.

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 2019-09-02 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.

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 2019-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2018 I purchased two wedding rings for {$3200.00}. The cashier original rang the purchase plan up as 12 month same as cash. She was clearly more interested in making a sale instead of provided me with good customer service. The store manager  XXXX corrected the error, return my purchase, and re rang the purchase under the 36 month plan@ 9.99 % interest. Unbeknownst to me XXXX XXXX XXXX did not adjust the error on their end. After several months of calling, speaking to different managers, disputing the issue with the dispute department. XXXX XXXX XXXX is refusing to correct the error. Even, though I have submitted my receipt showing I should be under the 36 month promotional plan, and not be charged 29.99 % interest. Manager XXXX @ extension XXXX agreed that an error had been made on XXXX XXXX part. But, " he had to be very careful what he said. '' Account name is under my wife XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms. 

On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX  XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal. 

As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it. 

This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan. 

This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient called me this morning for a 3 week past due payment. It was XXXX on Sunday. After they confirmed my identity the woman refused to tell me who was calling. She ignored my questions. My parents are elderly and I was worried it was a hospital calling. Once she told me there was a past due payment I knew it was Navient because thats the only outstanding payment that I have. Isnt it legally required they identify themselves when asked? Navient is such trash anyways for their predatory practices- they need to ID themselves when asked who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft I was a victim of Transunion " inquiry issues '' I tried contacting Transunion to resolve the issue & have the negative inquiry reporting removed, but customer service would not take care of it The inquires that need to be removed are listed below 1. XXXX XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. 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 2019-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently applied for a shell rewards credit card which Citibank requested a copy of my credit report from XXXX I received a letter stating I was denied due too an account in default with lender or affiliate with lender, I do not have any account in default with Citibank the only card that I recall having affiliated with Citibank would be a Macys department store card which was included in my bankruptcy which was discharged XX/XX/2018 I called Macys at the time too reaffirm this account because I did not wanted included in my bankruptcy but was told just too reapply. I dont understand why I was denied for this shell rewards credit card? My XXXX credit report has no negative accounts aside from one public record of my bankruptcy.

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 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Hi ; There are 3 different unknown medical collection accounts on my credit report that i've tried for many months to resolved but unable to. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
The company calls repeatedly at all times of the day. They have not responded to my request that I not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE FARM BANK, FSB
State: NC

Complaint narrative:
I cancelled my insurance months ago by sending written communication to State Farm ( both via their online messaging system and direct email ). This car insurance was as a result formally cancelled on XX/XX/2019. However, I have had payments paid beyond this date. I have asked State Farm to refund the extra payments, but they have failed to give me either a simple billing info or refund. 

State Farm should understand thy should respect customers time. I have received numerous phone calls during working hours from multiple people trying to market their service, while I clearly responded back to them that I have cancelled my service and am not inserted. Instead of addressing my request to refund, they keep providing vague responses which is clearly disrespectful to customer demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
We have disputed this debt of {$200.00} in writing. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.

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 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX this debt appeared in my credit report and I disputed as not mine because I never went to Emergency in XX/XX/XXXX. Further more when I go to the doctor I pay my visit with my health insurance and any remaining balance that is supposed to be cover my me is paid with my Flexible Spending Account card-XXXX. This debt was disputed and deleted from my XXXX  Report because is not mine. Now they put the account back in my credit report. I disputed again and requested documentation that prove that is my debt and when I complaint to XXXX  that this account was deleted in the past and is also 5 years old they just responded that the account is now from another Company and they have to keep it in the report. I requested documentation to prove that is mine and it was not provided to me and anyways XXXX updated the account in my report. There is not a phone # for that Company in the Report and neither that Company contacted me and I have no business with that Company. It seems that anyone can just got to XXXX   and states that someone owes them to go ahead and put In your report event that was deleted and disputed in the past and also stablished that it was not your account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ross Financial Recovery Group
State: ID

Complaint narrative:
Have been receiving phone calls for months from this Company. They call asking for someone who is not related to my phone number. I have told them repeatedly, repeatedly that I do not know the person they seek, and after several calls asked them to stop calling my phone. I was told on more than two occasions that they would stop calling, but I continue to receive their harassing and  threatening calls. Calls state some kind of complaint action filed. When I would ask for specific information or ask to speak to someone in charge I always get some kind of smart-alec attitude and then they hang up on me. I should not have to become extremely angry to get someone to pay attention to the fact that they have an incorrect phone number and are calling and harassing someone that knows absolutely nothing about the person or the debt they are asking about. This is absolutely outrageous that these people are allowed to continue this kind of unnecessary intrusion into innocent bystanders lives. These unscrupulous businesses should be fined or caused to cease this activity. Better yet, give me their home phone numbers so that I can return their unkindness and call them continually for months harassing them about something they know nothing about. They call using these different phone numbers, to camouflage who is calling, so people can not even know how many countless times they have been harassed. This company should have their phone service discontinued!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
I have asked to be able to be removed from the requirement to pay PMI insurance on my mortgage, as I more than meet the threshold requirements of equity to debt. I have requested in writing to Ditech for this to occur, they replied that I am unable to be removed from PMI until the 11 years have transpired. Is there any other remedy for this situation? I thought the rules were that it was until I reached the equity threshold OR then11 years were reached not and or both.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have had multiple incidents where Paramount Recovery Services of XXXX Texas, has placed collection accounts on my credit profile in reference to accounts allegedly owed to to the XXXX County Hospital. This accounts are not mine. I have disputed the accounts before but after a few months they appear on my credit profile again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: NY

Complaint narrative:
Optimum sent over one of there worker to my home XXXX XXXX  XXXX XXXX XXXX XXXX XXXX by XXXX XXXX this year the bill at the time was XXXX due to me still having their equipments I was told when I return the boxes the bill would drop somewhere to XXXX. Optimum installation was XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello. I opened my Chase Sapphire Reserve card in XX/XX/2018. My yearly membership fee of {$450.00} plus a {$75.00} fee for an authorized user was charged on XX/XX/XXXX. Before that fee was charged Chase decided to close my account, and at the time promised to refund my fee ( see attached email ). 

Why would Chase close my account and keep all of my yearly fee? I used the card as intended but Chase decided to close it for some reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc.
State: IN

Complaint narrative:
CreditMax unlawfully/fraudulently accessed my personal credit information from a car dealership. Using this information to perpetrate the fraud of a loan which was NEVER paid. CreditMax then fraudulently collected on unpaid fraudulent loan by garnishing XXXX dollars from complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have ask Transunion several times to remove a credit freeze off my credit report. And they still have yet to do so. I can not handle any business or receive any credit due to this issue I have call on three different occasions and tried over the phone and online XX/XX/19 XX/XX/19 XX/XX/19 could someone please help me resolve this issue

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 2019-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Quicken Loans QL Loan Number-XXXX Escrow mismanagement P & I : {$490.00} Taxes : under {$4000.00} annually Insurance : PREPAID!!! 


Despite all of the above, Quicken is insisting on a new updated payment of over {$1700.00}!!! 

They have had updated information from me since early XXXX. 

I have requested an escrow review 3 times and they refuse without giving me a ny adequate reason.

Company response to consumer: Closed with explanation