vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I would like to file a complaint against Credit Acceptance. Their collection practices are unfair, and feel like bullying. I am 3 days late ( due to hospital stay and the way payday fell ). It is XXXX XXXX. and they have already called me 7 times. I realize I am high risk or I would not have had to use this company, but I do not feel they should call more than once or maximum twice a day. The reps are very invasive, wanting to know how much your check was and why it was short. Please advise what I can do. I am to the point of wanting to find a lawyer if they don't stop.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As part of financial legislation signed into law as of XXXX, XXXX, consumers could go to the websites of the three major credit reporting bureaus to freeze their credit files beginning XXXX XXXX, XXXX. On that date I went to the websites of XXXX, XXXX  and Equifax. At XXXX  and XXXX I was able to freeze my credit files on my first attempt. Since XXXX XXXX, XXXX I have gone multiple times a day to Equifax 's website only to read a screen stating that being able to freeze my credit files was temporarily unavailable to me. It is now XXXX, XXXX, XXXX and I still can not freeze my credit files at Equifax. I have tried calling Equifax numerous times only to be put on hold for approximately 1/2 hour and then being disconnected. 
What has to be taken into account is that Equifax was hacked in XXXX where the personal data of between 143 & 148 million consumers was stolen, leaving them to vulnerable to identity theft and fraud. Who's to say I wasn't one of those millions, which is why this problem of me being unable to freeze my credit files at Equifax has to be resolved without delay. Being a senior citizen living on a fixed income, I neither have the resources or good health to be able to defend myself from the fraud that always follows being a victim of identity theft. My daughter was a victim of identity theft and fraud and it was a nightmare that lasted for years before it was finally resolved. 
I am asking that the power of your agency be used to immediately reach out to Equifax to have them fix their website so consumers can freeze their credit files. In my opinion, Equifax is breaking federal law by not allowing consumers to freeze their credit files at their company 's website as written into the financial legislation of XXXX, XXXX. Thank you in advance for your attention to this extremely important matter. I look forward to your response in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
After being unable to get any resolution with XXXX, I filed a dispute with my bank, Ally, regarding the charge on XX/XX/2018. I filled out and returned all paperwork requested immediately and the charge was reversed on my account. Out of nowhere, with no notice, three months later on XX/XX/XXXX the charge was reversed overdrawing my account. On top of receiving no notification via mail, email, or online in my account for this reversal ( again this is 3 months after dispute ), I was charged a {$25.00} overdraft fee on s {$5.00} check to the church which I obviously would not have written had I known my account was going to be negative from a dispute that I believed to be handled three months prior. After the bank reversed the credit I attempted to contact XXXX several times and upon no help from them filed a complaint to the XXXX, but XXXX says they cant do anything because theres a chargeback case with financial institution ( ally ) so they cant talk to me and bank needs to handle it. Very shady dispute practices to reverse credit with no warning and Ive still received no communication about it after 3 months and then charge me an overdraft fee on a {$5.00} check the same day you reversed the dispute with no warning.

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 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/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 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
chase will continue to lie to avoid dealing with the fraud and illegally claiming duplicates they know XXXX XXXX scammed me but he knows inside people and are getting help to avoid being held responsible for the mortgage fraud he committed against me. please reveal to all parties involved the mortgage fraud. i received a call from mr. XXXX of the cfpb this week. he said that on XX/XX/2018 XXXX XXXX confirmed the mortgage fraud on my complaint and it are being mailed to me. chase please confirm it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I went into XXXX XXXX XXXX XXXX Dealership in XXXX XXXX to purchase a new XXXX Truck. I knew the vehicle I had in mind, and the website allows for online finance and purchase ; however, I had a vehicle trade in that I needed to get appraised. Because of this, I would not have been able to purchase the vehicle online while trading in the vehicle for the amount I was quoted verbally. 

While being serviced by the sales man, they advised I had 2 choices according to management. 1 ) Purchase the vehicle for only {$5000.00} off MSRP, and I could finance wherever I wanted to get a low interest rate. 2 ) Get XXXX off MSRP and apply through XXXX XXXX XXXX. When they presented the offer of utilizing XXXX XXXX XXXX, they advised I can always refinance with another company if the interest rate is not what I wanted, which lead me to believe I was not going to be satisfied with the interest rate they would offer. 

I work in a financial institution ; therefore, I know that I am entitled to request interest rates without applying first. I asked the sales man XXXX who then advised he would have to ask the finance specialist. He came back and was told that the finance specialist declined the request to be provided the interest rates available, and I would need to apply first, and then speak to the finance specialist. 

Being backed into a corner, I decided to let my credit speak for itself. My credit is over XXXX, and my wife 's was over XXXX, and I more than qualified for the lowest credit rating available. When they came back, they advised my interest rate would be 6.09 %, which is absolutely unacceptable. I again was told I should refinance after closing on the loan. 

I proceeded to the finance department where I was in a recorded and monitored office. The conversation in the finance office should be recorded for the record. I again advised the finance specialist, XXXX, that I was interested in being provided the interest rate 's available, but that I was denied the opportunity before applying. He agreed and understood that the interests being offered is a requirement, but still did not provide the interest rates I requested, and continued with his process of offering optional products to add to this outrageous interest rate ; again encouraging to refinance in order to get the extraordinary offer off MSRP. 

I didn't read too much into it, and figured this is how they do business, until a colleague went into a different ford dealership, and requested a new vehicle. Her credit is below XXXX, and she qualified for XXXX financing at XXXX interest rate, and was advised that the lowest interest rate available is 1.9 % for well-qualified buyers. This leads me to believe that I was given a predatory loan at a high interest rate, forcing me to take another credit hit refinancing with another institution just to receive the interest rate I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has refused to freeze my or my husband 's credit report because we can not answer ridiculous security questions - for example, with what bank did we take out ( for two months ) a car loan 12 years ago. Another - who held a mortgage on our house, also for 2 months, over nine years ago. Another - to whom did we sell our last house, over nine years ago. 
I am XXXX, my husband XXXX. Experian has compromised our accounts, according to them. We can not possibly answer such, or other similar, questions. 
All transactions were by phone, so I have no written record.

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 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I submitted a statement the amount is {$290.00} for the transaction. I called XXXX  to dispute the fee and let them know there were supposed to be no charges and the item should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have an item on my credit report from Transunion, XXXX, & XXXX that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.

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 2018-09-29 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: FL

Complaint narrative:
I have a item on my credit file with XXXX, XXXX, Equifax that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: FL

Complaint narrative:
I have a item on my credit file with Experian, XXXX, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have an item on my credit report from XXXX, Equifax, & XXXX  that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have an item on my credit report from XXXX, XXXX, & Experian that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.

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 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
I filled out online loan application for a mortgage refinance with Pacific Union Financial XXXX XXXX. Never received a credit decision after submitting all requested paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX garshied my bank account for a time barred debt. 
Not properly served. 
Another account sent to XXXX XXXX.. this is not verified and is time barred as well.

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 2018-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was treated by XXXX XXXX for a XXXX issue. I was never told/disclosed any charges during the treatment and was told by the practice that our insurance will " cover '' it. After the treatment, we were sent an unexpectedly huge bill ( $ 1800+ ) for a minor procedure by a nurse practitioner ( not MD or surgeon ). We contested/appealed the charges to the clinic/hospital numerous times. 

Then, at one point ( around XXXX 2017 ), upon our numerous written protests, they sent us a bill for {$120.00} ( only ) and when we called to confirm and pay, we were assured that it was the only outstanding charge on our account. We paid that promptly and assumed that this matter was settled. 

However, a few months later, an {$1800.00} ( appx. ) charge appeared on our account and XXXX started sending bills again. There was no indication of our earlier ( {$120.00} ) payment in the new bill. We have written numerous letters, and provided documentation that we paid ( at least at one point ) all outstanding charges, and that we dispute all other charges, but to no avail. XXXX ultimately turned over the debt to a collections agency ( XXXX XXXX XXXX ) It is our belief that our initial charges were discharged by XXXX XXXX and that they assured us that we only owed {$120.00}, which we paid. We think the re-appearance of appx. $ 1800+ a few months after the account was cleared of any charges is unfair and we no longer should be responsible for charges that were cleared from our account. 

Now debt collection agency ( XXXX XXXX XXXX ) insists that the charges are valid, despite our written assertions otherwise. Thank you for your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/18 at XXXX I withdraw {$6500.00} from by XXXX account for business purpose to transfer to bank of America account of my business partner which I needed to deposit {$7500.00}, my plan was to use {$6500.00} from XXXX account and to withdraw {$1000.00} from BOA account. 
I then went directly to the ATM to withdraw {$1000.00} from my bank of America account ( I had to do 2 transaction, 1 for {$800.00} then for the remaining ). I then walked to to the teller to do the complete deposit of ( {$6500.00} and {$1000.00} that I had withdraw from my BOA account ) to do the deposit to my business partner account who he also a BOA customer as well. I was redirected by the teller to deposit in my account then to do a online transfer. I proceeded to the atm the first transaction I tried was for ( {$1000.00} which the transaction only allowed XXXX and returned {$20.00} ) -this amount was successfully deposited. I then proceeded to do the remaining ( from the {$6500.00} I took out a portion of the money and inserted in the machine ) the machine took the money never returned it, then posted the error message that I have attached. I then ran to the teller to explained what had happened, she then took the envelop with the remaining cash that wasn't deposited and calculated it to be ( {$2100.00} the amount that I never got a chance to deposit. ) she then advised me to make a claim and assisted me to use there phone number. I filed a claim and was advised it could take 7-10 business days. I explained that this was my money and clearly this was their error which was a huge inconvenience, considering I had business arrangement which end up costing me to incur interest and also considering that was the holiday weekend- no one considered to even give me a temporary credit of apart of the money- considering the inconvenience. I called everyday after and was told they are waiting to balance the machine with no regards on my situation faced. couple days after I was told they recovered only {$3200.00} from the missing {$4400.00} which they then closed my claim saying it was resolved. After numerous calls and asking for further assistance or a manager my claim was reopened, hours later I received a call from the manager that my claim was close and the machine doesn't make error and she is closing my claim. To date I have only received {$3200.00} which I am still missing {$1200.00} with a close claim.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX. I froze my accounts with XXXX and XXXX. When I attempted with Equifax their system required that I create an account, and so i did. Unfortunately after creating the account I was unable to log in. I called customer service and after much prompting got a ticket # XXXX. Someone was supposed to call me back. Nobody ever did. 
I tried " forgot password '' which was suggested on the XXXX but I never get an email with instructions. 
I tried recreating the profile using the same email address, just to ensure that the profile was, in fact, created, and this confirms that it was created because the message says profile exists. 
I don't want someone at Equifax to freeze my account, i want to be able to use self serve, so that I can unfreeze if needed without relying on a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX garshied my bank account for a time barred debt. 
Not properly served. 
Another account sent to XXXX XXXX.. this is not verified and is time barred as well.

Company response to consumer: Closed with non-monetary relief