vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
this company committed the HIPPA violation Whom it may Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that 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 verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. its a HIPPA violation I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, Bank of America put a hold on my account in the amount of {$880000.00}, which resulted in a negative balance. I called them 7 times until I got an answer that said it was flagged for fraudulent activity due to an SBA loan due to coronavirus from my XXXX. All the representatives gave me the run around and continuously transfers me to imaginary lines that shut off as soon as I got transferred. The money left in the account was for my well being, to pay bills, and to just generally lived. Ive seen multiple horror stories of Bank of America doing this and it has to be stopped.

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 2020-07-10 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: AES/PHEAA
State: TN

Complaint narrative:
Due to COVID-19 I was unable to make payments. The {$40.00} that was due has been paid in full. That information is no longer delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, PayPal closed two of my accounts. They also notified me that they would be holding {$18000.00} of my money to prevent possible chargebacks. The money was mine, though ( checking to Paypal for {$6000.00} and {$12000.00} was sent from one PayPal to another, both mine ). Needless to say, I can't charge back myself. 

I value my relationship with PayPal, and have always taken my work with them seriously. Last year, for instance, I had multiple conversations with XXXX in their executive office. 

Many people conduct routine business in the manner that I do on PayPal, but I was singled out for account closure -- without knowing what I did wrong. If there is an issue having two business accounts, please close one, but closing both is evil -- and prevents me from earning a living. 

I also would like my {$18000.00} returned now -- they were mine funds, so again, I can't file a chargeback against myself. I was under the impression I was staying within the lines on everything I did with PayPal and ask for someone senior to review my account and give me one chance to stay within the terms. My accounts were both old and verified heavily. 

Thank you for considering my request to re-open my account and the separate request to return my funds. My PayPal records clearly show my funds were used to pay off credit card bills and locking up the funds will be crippling for me financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Navy federal credit union closed my account without warning because I was trying to purchase a car with my brother and friend while on a travel assignment. We sent each other money via member to member and the bank flagged it as suspicious activity which I can understand. I called the bank to explain what we were doing and why but the representative started screaming and didnt want to hear why I was using my own money. Ive never deposited any cash into my account and Ive never withdrew any cash from my account so I dont understand how its suspicious activity, but they treated me like a criminal. Im a XXXX XXXX and every dime in my account can be accounted for. All my checks come direct deposited so the bank can see everything. I have auto loans and credit cards with this bank and I dont understand why the representative treated me so badly. Ive never even missed a payment. I just want my account back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/XXXX, I tried to transfer money via XXXX. However, I was not able to connect with my PNC account due to PNC policy change. 
I tried to transfer XXXX  XXXX to XXXX. I have done this a few times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I've been a credit cardholder of Citibank since I was a college student in 2011. What I thought was a general fee, now appears to be an added fee labeled " Payment Safeguard. '' I have no clue what this means and why I've been charged this fee for at least 2 years without my knowledge or consent. It wasn't until I signed up for XXXX that I noticed Citi was charging me a fee twice. It's unconscionable that a credit card company can just tack on fees without the knowledge or permission of customers. And since I can only look as far back as 2 years, I have no clue what other deceptive fees have been added without my permission in nearly a decade of usage.

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 2020-07-10 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This complaint is involving Credit Acceptance, I called them regarding my payments, all payments are up to date now. They reported 30 day late payments for XXXX, XXXX and XXXX. 
My payments were late due to COVID, I expressed that to the company and they assured me they would freeze my account and there would be no marks that would report negative. 
I need this fixed on my credit report as Im getting turned down for auto refinancing and an approval for mortgage on a new home. 
I have documentation to prove this was COVID related. 
I was quarantined for 14 days and was still sick. 
I took a leave due to the fact there were several cases that were reported and I was afraid for my health

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 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I paid the loan off early after getting news of a possible layoff at work. The day before the pay off check cleared ( not able to pay online, through app or phone ) my auto payment went through. I called them and was told a check was going to be cut on XXXX, XXXX 2020. When the check did not arrive I contacted them and was told the check was mailed on XX/XX/2020. We verified the address and was told they would check with a manager. I have since contacted them many times and I get the same answer. I need the refund, I did get payed off and on unemployment. 

In addition to the full refund amount Id like interest at the same rate of the original loan and late penalties as also outlined in the original contract Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
I previously leased merchandise through Why Not Lease It via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, Tempo 09 LLC to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to XXXX XXXX XXXX. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX  ( was removed from XXXX in XXXX ). Ive paid this debt already!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MS

Complaint narrative:
I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Equifax did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Equifax is allowing this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX never billed the Va choice and submitted to Paragon Revenue for collection and never sent me a copy of bill or sent me proof of billed sent to XXXX XXXX XXXX. They have never sent me a copy of medical bill either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
On XX/XX/2020, I wanted to do a fund transfer from my Way2Go card ( GoProgram ) to my XXXX checking account. I wanted to transfer {$5300.00} to my checking account, but I was not able to due to the option of Fund Transfer being unavailable. I proceeded to call the customer service number provided on the back of the card but I was only able to get a hold of the automated system. This system also did not provide any option for Fund Transfer or to speak to a representative so I may resolve the situation. The website and the card did not provide a way to resolve this. I hope to get some information on to take steps to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello, this complaint is for both me and my husband. I want to file it against Chrysler Capital. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with Chrysler and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

Chrysler has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with Chrysler to have this fixed, sent out dispute letters to the credit bureaus, notices to Chrysler Capital, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to Chrysler on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

Chrysler is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. Chrysler is lying about me paying late all these months. I will give you the letter from my attorney so you can see that Chrysler is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MS

Complaint narrative:
I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Transunion did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Transunion is allowing this to occur.

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have contacted Experian many, many times. I can not access my dispute center online. I keep getting a pop up that says We're having technical difficulties. I called and got a representative that said her name was XXXX. It was difficult to understand her. The representative got and attitude, interrupting me. Angry that I would question anything. I simply wanted to make sure that the information was correct. I have the conversation recorded. After I disputed with her on XX/XX/XXXX I tried to upload supporting documents and it wouldn't let me upload. I'm not the only person who has had trouble. I decided to mail the documents which I did on today 's date, XX/XX/XXXX. I ask them to fix it over and over for about a month now. They say they'll fix it and they don't. I submitted my disputes on the phone with her on XX/XX/XXXX. Today, 2 days later, it is completed. I couldn't access online and I couldn't upload so what else can I do except mail it. The expected completion dates are XX/XX/XXXX but she used her position of authority over my credit report and gave me only two days instead of XX/XX/XXXX. She's retaliated because I kept asking questions. She appeared to be someone she thinks of herself as never making a mistake and if you question her, this is what happens. She's using my information as a weapon against me.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I signed up for Credit Karma 's general services. I inquired about their deposit accounts but never opened one. They have been sending me emails saying I have an account and that I have statements waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is about Equifax. Since XXXX last year, I have been trying to manage my freeze online with no success! To freeze my account, I had to call in, wait on hold for hours, get diverted from one department to another, and finally got my account frozen. I was then able to log in online and see the freeze, but to my surprise, I couldn't manage it. It was always giving me an error message, every time I was trying! I again spent hours and hours with agents over the phone, to get it resolved so that I can freeze/unfreeze online as normal. I then got tons of empty promises that it would be resolved, and got a case number : XXXX. 
On XX/XX/2019, at XXXX XXXX  they sent me an email stating that it was resolved. I logged in to find I still can't manage the freeze online. I responded to that email but since then I have never heard from them. 
Trying to resolve this over the phone ( back then ) was a nightmare because of waiting times and poorly trained agents. I simply want to be able to manage my freeze online the way it is meant to be. 

Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation