vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
To my knowledge, I was never late this many times on my Credit Acceptance auto loan with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 days past due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have had this auto loan since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.

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 2019-04-03 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: CA

Complaint narrative:
XX/XX/2019 Experian Issues unable to Resolve or Contact anyone. 

For the past 2.5 weeks beginning on XX/XX/2019 I have made multiple attempts. 
Online 7 times and 3 times by phone. Got nowhere but blown off and confused. 
I am attempting to unfreeze my Experian report for 24-48 hours to allow XXXX XXXX XXXX XXXX to complete their ( XXXX XXXX 's ) profile on me so that I can join and open account. Froze Experian " account '' because of their recent breach. Enough already. I go online and am denied access given form letter to print out requesting PIN. 
That was 14 days ago so I go back on Experian site figuring they must have figured this out by now. Was asked online to choose a PIN I choose PIN Experian accepts my choice. And low and behold it does not work error message is " Invalid PIN # ). I go to XXXX XXXX XXXX XXXX with the PIN # asked if they could assist me they tried to enter my PIN in my presence with my permission. Error Message same. I called your agency got phone number for Experian XXXX correct #. Asks ton of ID questions you have to leave voice message and NO ONE calls back. This is nuts it my Credit Report based upon my history. Experian owns the data can I disenroll from Experian or bill Experian for sharing my info. with the world everyone except me?? 
What recourse do I have? Please help me I just want to open a Credit Union Account this is horrible customer service ( actually 0 customer service ) and 100 % big business info. sharing benefiting everyone but me. Experian also said in Robovoice on my 3rd call that its notifying the other 2 reporting bureaus XXXX and XXXX  of fraud and will put a 6 month alert on those also. I didn't ask for that? Then 2 other of my accounts XXXX and 1 financial institution detects this Experian Fraud Alert and contact me telling me to change my User Name and Password because its blocked. Hows that for a kick in the _ _ _. I don't know whether to cry or scream. Please help.

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 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My problem is unusual. I previously had, but no longer, rewards program credit cards with Chase Bank. They have now evidently blackballed me from qualifying for their credit cards that offer good perks ( e.g., Chase Sapphire Preferred Card and Chase United MileagePlus Club ) - perhaps because I have no outstanding debt, therefore, not someone they can make much money off of, while meanwhile enjoying the perks at their expense ( i.e., not the sort of person their marketing is aimed at ). The stated reason repeatedly given is that the credit bureaus indicate I have too many recent applications, but lengthy time does not change the situation and there is no way to find out when I'll be clear again. I believe that this is a disingenuous practice. I've tried discussing this over the phone with Chase representatives, to no avail. It is also impossible to reach a person at the credit bureaus to discuss the details of one 's credit file, which is also not right. How can I learn where I stand? As you well know, credit ratings have a huge impact on peoples ' economic circumstances, and proper access should be required of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2018, I contacted XXXX XXXX, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different XXXX people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score XXXX points for being 40 days past due. It took much longer than 40 days to work through this process with XXXX to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 to 60 days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Starting from XX/XX/2019 I have received repeated phone calls from Citi Bank they will call 7 days a week and leave voicemail after voicemail repeating the same information. It comes off as a courtesy call to check my citi account which means to make a payment towards my account. There has been several occasions where I have made a payment and the very next day the phone call start up again. I have blocked 4 numbers so far but the calls have yet to cease.

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 2019-04-03 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The credit card capital one bank USA n account XXXXxxxxxx amount {$1500.00} opened XX/XX/2011 isnt mine please remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synter Resource Group, LLC.
State: TX

Complaint narrative:
Synter Resource Group XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX x XXXX These people call us on cell and home phone at least 5 times a day. XXXX has hired them to contact accounts that are in arrears. I've spoken to XXXX regarding this matter and referred them to my XXXX Platinum card on file with them so the invoices are always paid in full. Apparently, this is not working. 
These tactics don't work in the business community. We will be using XXXX from now on. 

XXXX XXXX-CEO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called portfolio recovery in the amount of {$950.00} opened on XXXX XXXX without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX   is the originator of the complaint and the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
For the XXXX time ( 2016 ) I was contacted through mail from XXXX XXXX XXXX that I owe money to their firm. I have enclosed my judgement  proof of XXXX ( Supplemental Security Income ) as well as XXXX XXXX XXXX check stubs to provide proof of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've had a credit card with Barclay Rewards Mastercard for 4 years. When the card was issued, my credit rating was not good so that I understood the high interest rate of 25.24 %. Since getting this card, my payment record has been excellent. Like many others, I make my payments without looking at my balance. However, when I received a payment reminder a few days ago, I realized that the last payment I made for {$110.00} didn't make a dent in the balance. When I checked further, I found that only $ 40+ was applied to principal and $ 60+ added for interest. In checking back to 2018, I discovered that I paid {$830.00} in interest, 55 % of the amount charged on my account. 

I have called, and then emailed Barclay to ask for an interest rate reduction, but it was declined. 

Since I had not used this credit card until the last couple of days, most of the charges on the account were for interest. This seems to me to be unconscionable and something should be done to stop this practice of interest upon interest, usury??? 

I have been toying with the idea of just stopping payments or filing a Chapter XX/XX/XXXX, but would appreciate it if you could help so that I won't have to take these measures.

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 2019-04-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX at a track meet at my XXXX XXXX. My phone had my Wells Fargo Online account and card info on it. Over the next few days, the thief began to make large purchases and withdrawals, including a {$700.00} purchase at a XXXX I've never shopped at in my life, a {$200.00} ATM withdrawal at that same XXXX, and a {$2800.00} XXXX transaction. I called Wells Fargo numerous times to tell my story and create claims, only to be put on hold for large periods of time. When I was finally able to get my claims through, my Wells Fargo online account began locking me out numerous times. I was unable to get in for a few days. I called and found out that Wells Fargo themselves put a block on my account. After an hour of being on hold, I also found out that they had denied my claims. Although the {$2800.00} transaction had been reversed, my {$900.00} has yet to be returned. As a XXXX XXXX XXXX XXXX  planning on going to college, this is simply unacceptable. I quit my job recently and have no means of getting my money back. All charges were fraud, I never made any purchases at XXXX or XXXX. The history is in my account, the majority of all of my purchases have been online, and again, never at a XXXX in XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 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: IA

Complaint narrative:
Transunion XXXX XXXX XXXX is showing a balance it's a charge off charge offs are not allowed to show a balance I have disputed this 3 times with them and I sent XXXX XXXX XXXX a VOD they never responded I sent them this proof they deleted it and then 2 months later they put it back on my report I did not get a re insertion letter I laws say they suppose to tell me before they put it back on. 
3. This first time I disputed it XX/XX/2018 I waited 45 days with no response they suppose to have deleted everything then they did not

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 2019-04-03 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: ID

Complaint narrative:
I believe that I have been financially damaged due to a Predatory Mortgage loan. In XXXX of XXXX I was sent to Guild Mortgage by my realtor. Guild Mortgage pre-qualified me for {$200000.00} to purchase a home. On XX/XX/XXXX I purchased a home for $ XXXX@ XXXX % interest. My income at the time was $ XXXX. I also provided them documentation regarding my auto loan payment & other debts. This is my first home purchase. I have very little debt related experience and trusted my realtor and Guild Mortgage. 
My current income is now is $ XXXX and I still can not afford to make full payments. They have told me they will foreclose on my loan XX/XX/XXXX if I do not pay {$2200.00}. I am selling everything I have including the lawnmower in order to prevent it. 
Guild Mortgage has been aggressive and misleading to me regarding the status of the loan and what possible options available to me throughout this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
1 ) I called XXXX and told customer service to help me purchase 3 XXXX XXXX tickets. Instead, the agent misunderstood and sent me to a link and directed me to purchase 3 XXXX XXXX California tickets. Upon arriving at the gate of XXXX XXXX, the ticketing staff noticed the mistake and told me to call XXXX to correct the error. XXXX refused to take responsibility by saying they cant verify their agent made the mistake, a complete lie that they know they will be able to get away with because they can technically just WITHHOLD any recordings. I was forced to buy 3 tickets at the door from XXXX XXXX on my other non TD credit card, which I can prove if necessary. 

2 ) I called TD Credit card disputes to report the issue, and they somehow decided the case against me, failing to protect me from unauthorized transaction. I give XXXX authorization to charge me for what I requested, not for what I never requested. Therefore, the charge should be void. Instead, TD refuses to even let me appeal. I canceled my credit card because its clear they dont want to protect their customer, me in this case, so there is no point in continuing to use the card. 

3 ) TD bank didnt even bother to ask me for additional information to help with the case. XXXX sent them a bunch of screenshots that show me purchasing the tickets online, but that was at the direction of their sales agent. They said these were the right tickets!!!! I took their word and got screwed. Criminal on part of XXXX to deny their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I applied for a payday loan back in XX/XX/2018 in the amount of {$500.00}. The last email I was sent was an invite for me to use direct deposit. I was never sent an confirmation that the loan was approved but the very next morning I checked my account and the funds were there. I tried to contact the company and send the funds back but was told I couldn't do so. After reviewing the documentation I saw that I would end up paying 5 times the amount owed. Once the debt was sold to the third party National Credit Adjusters I did receive a letter in the mail and also a phone call from a very kind woman advising me of the payment options as well as offering a payoff. I told her at the time I couldn't afford another bill but I would call them when I am ready to make a payment. That conversation happened in XXXX and for the past 3 months I have received repeated call from different numbers all dealing with this same company. They call at all hours of the day and if I don't answer the number the will call from a different one the very next minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Received a tax bill from XXXX County in the amount of {$300.00} due by XX/XX/XXXX. Spoke to mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX and asked if I should pay the bill. Representative told me PNC Bank would pay the bill because they received it. Spoke with mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX. PNC Bank DID NOT pay the bill. Spoke with XXXX County Tax Commissioner 's office on XX/XX/XXXX and there was a {$12.00} penalty fee attached to the account. Received second tax bill for the city in the amount of {$54.00} which has to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SD

Complaint narrative:
In the past week I have received frequent repeated calls from XXXX XXXX XXXX ( they say ) ( XXXX XXXX on caller ID is only one of the phone numbers they have used ). They have been trying time after time to confirm my personal information that they have, including name, address, and social security number. I have not cooperated, and asked them to stop calling and told them that the information they do have has apparently been fraudulently compiled. The address that they have for me is wrong - they have me on XXXX XXXX in XXXX XXXX, Texas. That is not me. I would like someone to send law enforcement to that location and pursue the real perpetrator. Thank you.

Company response to consumer: Closed with explanation