vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was checking my credit report and discovered that Portfolio Recovery have been reporting information to the credit bureaus about a debt that they claim i owe. I send out the first letter to them which they received on XX/XX/XXXX requesting for verification and validation of the debt and a second letter which they received on XX/XX/XXXX because the response to my first letter was for me to provide them additional information about the debt. They are reporting information to the credit bureau under my social security number and they are asking me to provide them additional information about a debt that they reporting to the credit bureaus which is very frustrating. 
The last communication mail i received from them where two mails dated same date with different information which is why i believe this company is violation and in non compliance with the federal laws under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will be attaching the return receipts for my certified mails i send to them and the letters i received from their office. 
They need to delete and cease from reporting wrong information to the credit bureaus which they can validate or verify. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
XX/XX/2016 GM financial hired XXXX XXXX XXXX XXXX to repossessed ( Steal ) four vehicles that they did not own titles or leans or have any financial obligation to. I had a loan that I was making payments on. I made payment arrangement with a rep and was keeping my obligations with the payments and never once informed that the vehicle was in a repo status. One morning about XXXX I went out to go to work and three of thefour cars were taken without my wife permission or knowledge, The police department was notified, we were informed they were repossessed. I explained and showed XXXX XXXX Police department that 1 vehicle was paid off and the other two were current and financed with other companies. I provided letters from the financial companies showing that the vehicleswere current and under no order of repossession.. XXXX police finally took the police report. Later that evening we received a call from XXXX XXXX XXXX XXXX saying that our vehicles were taken by mistake and they want to bring them back. When asked how did they get this number they would not say. Once the auto theft unit got involved the owner of the tow company meet with us and police. XXXX the owner showed my wife and I and gave XXXX police a copy of the repossession order requested by GM financial to repossess five vehicles and offered bonuses for each car they retrieved. None of the cars taken were financed by GM Financial. three of the vehicles were in my wife name who do not have an acct with GM. Gm called and on a recorded line stated well you have them back and offered no explanation but stated what are you going to do about the XXXX. Once they learned that the police were involved we did not hear from them for a while. They have charged Off the loan and put the charge off on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I apply with Bank of America credit card in which I am a customer and Financial Institution declined my opportunity to obtain credit card. 
I told Bank of America rep that I had a Bankruptcy Chapter XXXX that I filed because uncircumstances of past debts collection, medical bills and my XXXX XXXX. 
I told Bank of America that I am XXXX XXXX  and Retired.I had a phone conversation from my cell phone XXXX with Bank of America and my conversation was pre-recorded with Bank of America. 
On Saturday.XX/XX/XXXX I received a denial of credit rejection letter from Bank of America rejecting my credit application for a credit card because of my XXXX Retirement and filed Bankruptcy that I file on XX/XX/XXXX and it was discharged on XX/XX/XXXX. 
Bank of America pulled my XXXX credit report on XX/XX/XXXX and letter stated my score was XXXX. 
Now, that I have been rejected my credit scores went down and my credit is damaged by Bank of America rejection in obtaining credit. 
Why pulled my credit if I told Bank of America that I am XXXX XXXX   and I have a Bankruptcy chapter XXXX.on my credit report.? 
As a XXXX XXXX American and XXXX XXXX XXXX XXXX I am devastated by Bank of America rejection in me obtaining a credit card. 
I don't have Bank of America credit card, my denial reference number XXXX with last four # XXXX Urgent Matters

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 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC
State: NC

Complaint narrative:
Engine went out while still making 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 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
American Collection Enterprise is attempting to collect on a medical bill that was paid. I had two insurances at the time service was rendered and they were XXXX and XXXX. This bill was paid about 30 days afterward the insurance company paid the requested amount. This bill also has some added fees. This bill was never this amount.

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 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX I applied for an American Express Credit Card online. I was declined approval, and because I could not get the credit some bad things happened that I will not elaborate on because I want to keep this explanation brief. 
I received the reason for denial letter about XX/XX/XXXX. It said that American Express obtained an XXXX Credit report on me and the risk score was not available due to report of deceased status, and 4 other things. I called Amex and confirmed this. 
I wrote American Express a letter telling them I was not dead, and requested more information in early XX/XX/XXXX, and they never provided my any information the just sent me a {$30000.00} limit gold card. 
I began litigating a Civil Suit against XXXX and they investigated, and re-investigated and could not find any indication of Amex pulling a credit report on me during that time period, nor could they find a deceased notation. 
There is no indication at this point that XXXX  did anything wrong. 
I wrote 2 more letters to American Express, and they refuse to provide me with any explanation as to what happened. 
I feel like American Express may have done something improper, and that is how I am going to interpret their silence on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Executive office has worked on a current dispute for over 3 -4 months, during this time Wells Fargo charged me interest and applied a 30-60 days late on all credit beaures this merchant was paid on time, and I was never delinquent or defaulted on this loan. The creditor has ignored requests to remove this and todate the creditor have not provided a closure letter regarding this dispute. The creditor failed to remove {$870.00} from my account.

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 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received these balance transfer checks XX/XX/XXXX by XX/XX/XXXX I made a balance transfer the offer was 0 % APR for 12 months with 3 % transfer fee well I paid of the balance today XX/XX/XXXX way before the 12 month period and they charged me interested for The time until they receive the fund. 
This is pure XXXX off credit cards becomes thief by the second and you Cfpb shouldnt come up with heafty consequences for these credit cards Their representative trained to make these redicilous charge do ok and ledgenmdbt not good

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was never late on this Macy 's account.

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 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TCF NATIONAL BANK
State: PA

Complaint narrative:
My payment history is incorrect. Account has not been late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 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: CO

Complaint narrative:
Experian is stating they will not remove the Bankruptcy off my credit report and they won't do another investigation because it has already been verified. The problem I have with this is that they have not provided me with the person who verified this and the source they have received the verification from and it is unlawful of them to refuse another investigation when I am disputing an item. I have contacted the courts and they have informed me that they don't give any BK or Tax Lien information to the credit reporting agencies. Which means that Experian has added this BK to my report unlawfully. If they don't remove this BK with out showing something with my signature on it I will have no other option but to file a lawsuit against them in the sum of {$10000.00} for damages to my credit history. Also by Law they have to show proof of my signature somewhere that I did this Bankruptcy and they can't provide that.

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 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The information on my report is incorrect. No missed 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 2018-02-14 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: AZ

Complaint narrative:
I have been trying to get the people that work at Equifax to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all. 

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries. 

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into

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 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
Unable to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue. 

The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: AZ

Complaint narrative:
I have been trying to get the people that work at Transunion to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

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 2018-02-14 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: AZ

Complaint narrative:
I have been trying to get the people that work at Experian to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

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 2018-02-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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