vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This number XXXX has called me : Saturday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX Sunday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX From XXXX  around, it seems like this is a collections company that works with synchrony bank. I do have an account with them that I missed one payment on ( total account balance under {$250.00} ). My check is in the mail ( I put it in the mail on XX/XX/19 ) to pay the entire balance and late charges. This is ridiculous and uncalled for harassment for one missed payment for such a low balance.

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 2019-11-10 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: MD

Complaint narrative:
I filed a dispute with TransUnion on XX/XX/XXXX regarding incorrect reporting by XXXX XXXX XXXX for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on XXXX XX/XX/XXXX, TransUnion stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from XXXX XXXX XXXX and XXXX XXXX should have notified them that they received payment.

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 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off in XX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory  collections on monies they are not owed.

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 2019-11-10 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On credit report shows account revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I opened a Home Equity Line of Credit in XXXX with First Midwest Bank that I have never used. I would pay an annual {$50.00} fee upon receiving their bill each year. 
I did not receive a bill for this {$50.00} fee on this never used account in XXXX. I did not receive any reminders of an annual fee being owed. 
On XX/XX/XXXX I received a letter of collections for a past due amount of {$60.00} that was dated XX/XX/XXXX. This letter was not clear 1. It did not clearly articulate what this amount was for ( {$50.00} annual fee and I assume a {$10.00} late fee? ). It stated that failure to pay immediately would result in further collections and the reporting of the delinquency to the credit bureau ''. They neglected to mention they reported that collection when they sent me this letter. 
I received a phone call XX/XX/XXXX from a woman who did not clearly or properly identify herself. There was no message as to the reason of her call. The phone number XXXX does not identify as belonging to First Midwest Bank, a XXXX search showed this number as reported SPAM. The woman who called spoke fast and garbled - ( XXXX from XXXX XXXX XXXX ). I do not have a relationship with XXXX XXXX XXXX. At no point was any reference that she was calling regarding an unpaid annual fee on a HELOC. 
I contacted the bank by phone XXXX as well as went into a bank branch to personally hand the letter attached. I requested that they remove the collection entry from each Bureau that First Midwest reports too ( XXXX, XXXX, XXXX, and XXXX, there may be other regional bureaus too ). I also asked the line of credit be closed at consumer request. I was told by XXXX XXXX that he had no control of the reporting and that it could take months to change the reporting ( XXXX was referenced ). I am submitting an additional complaint surrounding their credit bureau reporting - as of XXXX, I see the account closed and {$0.00} owed but they have not removed the collection. I am hoping the CFPB can help get this resolved.

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 2019-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have owed a total of {$270.00} for a loan to the company Moneylion but I have an investment account with the company with the amount of about {$390.00}. 

The company Moneylion never paid/refund me the remaining of my investment totaling in the amount of {$110.00} - {$110.00}. 

On XX/XX/2019, I have written the XXXX that the company was reporting inaccurate things on my credit report. I did not follow up because I was waiting to see if anything change so I can have more evidence on the company. 

On XX/XX/2019, I have spoken with a representative about the account and he explained that if I didn't pay the remaining of the loan it will be deducted out of my investments which that is what I wanted anyway because I started to get the feeling that this company was a scam and I have seen many complaints that the company doesn't like to pay the investment. I was told that if I made a payment today I could withdraw my investments and it would take about 3 business days to receive the funds. But, I ask what if I didn't pay the remained since my investment has a higher balance than the amount owed on the loan. He replied I would be deducted from my investment and that would take a little time and the remaining would be sent to my bank account on file. 

I explained to the representative that I no longer trust Moneylion with bank account because they have tried to collect more than the money account and constantly sending multiple checks with different amounts to my bank account. I have not authorized Moneylion to  deduct any money from my bank account and they still sent a check to my account. 

Moneylion was only supposed to be sending me the remaining amount left after deducting the loan amount of {$270.00}. 

On XX/XX/2019, the company wired {$380.00} from my account. Yes, I was informed that my account was going to be LIQUIDATED due the email received on XX/XX/2019, saying NOTICE OF LIQUIDATION AND SURPLUS OR DEFICIENCY but I was not refunded the remaining of my balance anywhere between {$110.00} - {$110.00} as promised buy the representative I have spoken with back on XX/XX/2019. 

As of today XX/XX/2019, the loan is showing paid. My investments are withdrawn and nothing was returned. The balance in my investment is {$1.00}. My credit report is not updated with accurate information. 

This company has done too much to me and the misuse of my bank account and trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-10 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: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I filed a dispute with XXXX on XX/XX/XXXX regarding incorrect reporting by American Collections Enterprises for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on On XX/XX/XXXX, XXXX stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from American Collections Enterprises and XXXX XXXX should have notified them that they received payment.

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 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
In early XXXX, I opened a personal checking account online successfully. I received an account number, I made my initial deposit to fund the account, set up online banking, and even made 1 direct deposit into the account. All this happened successfully within the first couple days of opening the account. Then all of the sudden my online banking went frozen. I called customer service and they said I needed to go to a branch to see what happened. I talked to banker, XXXX XXXX, upon arrival. He was more than willing to help me at first. XXXX needed to ask the branch manager, XXXX XXXX, a question about my account so he got up and left the desk. When XXXX came back all he said was that my account is closed. I kept on asking questions like why and for what but he would not tell me any other information. Meanwhile I see XXXX leaving the bank so I couldn't ask him anything. I was not given any kind of an explanation what so ever as to why Iberia closed my account. I believe Iberia denied me because of some report they pulled but they didn't mention anything to me about it. This is wrong as Iberia probably used a report against me but did not cite the report. And also, why let me go all the way to opening and funding an account if Iberia didn't verify something?

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 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CFS Holdings, Inc
State: CA

Complaint narrative:
I am currently XXXX  & tried to work out payment plan & was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
I tryed for over a year to get them to talk to me they said they NEVER got the paper work, ( here are a FEW dates i sent and how ) fax XX/XX/XXXX, emailXX/XX/XXXX, email XXXX usps cert XX/XX/XXXX. I was quitclaim the property on XX/XX/XXXX but sent power of Att. before that they for closed, sent to auction ( Did Not Sale ) i kept saying i wonted a short sale. Now it is XXXX i will be thrown off the property in 20-30 days ( i will go to jail so i can be herd by a Judge as i was never served and i will have ALL the news media there ) XXXX told me they will try to clean it up and sell it fast ( LOW ) as i know the home is TRASHED, Celink also charges for stuff they do not do. They lie and play games to take your Home-Land this type of loan is one of the biggest SCAM on seniors and the GOV. needs to shut them down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
RE : Social Security Number : XXXX / Experian Report # XXXX To Whom It May Concern, In XX/XX/2018 I disputed an account report by XXXX/XXXX Account # XXXX in the file maintained by Experian under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report after I disputed it. 

Now I have discovered that the item has been reinserted on my credit report by XXXX XXXX XXXX under account # XXXX referencing XXXX XXXX. 

I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. 

This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. 
Experian deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. 
FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ).  Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. 

The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA 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 2019-11-10 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: NY

Complaint narrative:
Information on my experian credit report is not my information

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 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Old information reappearing

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 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank Dividend Credit Card offered 5 % cash reward for car rentals and airlines purchases from XX/XX/XXXX to XX/XX/XXXX. 

Citibank sent out email to me and I activated the Offer via email one click. 

I made purchases of car rental in XXXX and XX/XX/XXXX totaling {$180.00}, and purchased airline tickets in XX/XX/XXXX totaling {$1100.00}. 
The total purchase of car rental and airline is {$1300.00}. The total reward should be 5 % of total purchase equaling {$67.00}. However, Citibank only gave me {$13.00}. The difference is {$54.00}. 

I spoke to Citibank customer service center in XXXX. The first employee didn't know what I was talking about, then I was transferred to XXXX, who is a supervisor. After I explained to her what the reward offer was, she told me the travel reward offering was for XXXX, not XXXX. I told her the website which has the reward calendar, she insisted I was wrong. When I asked to speak to her manager, she insisted that no manger is available.

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 2019-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I took this loan out on XX/XX/XXXX, I was fired from my employer on XX/XX/XXXX and did not receive any unemployment benefits. After losing my job I was diagnosed with severe XXXX on XX/XX/XXXX I was not able to work due to my XXXX. I was able to call and attempt to negotiate on XX/XX/XXXX which was unsuccessful. After paying off in full all the previous loans I had with this lender they continue to charge me interest after calling in to inform them of my unemployed state. I remained unemployed until XX/XX/XXXX I am currently playing catch up on past due bills that accumulated from being unemployed and battling XXXX for almost tow years. AmeriCash Loans customer service department is rude, uncouth, aggressive people I had to request to speak to a supervisor and spoke when I did it was s supervisor Ms. XXXX, to offer a one time settle payment offer to pay-off the loan # XXXX for {$780.00} She wanted me to settle the debt for {$2500.00} which I declined. I only wanted to pay the amount I did borrow {$1700.00} and asked to settle the debt for {$780.00} Ms. XXXX refused my offer and stated I need to make a payment arrangement to pay additional {$4200.00} which is all late fees and interest. After being a long time customer of AmeriCash Loans I just informed her I will not be working and would only be able to make this one time payment of {$780.00}. The reason I am reaching out to your offices is to see if you can speak on my behalf to only pay the original amount borrowed I paid {$780.00} of the {$1700.00} meaning the remaining amount due would be {$920.00} which I am readily to agree to pay that amount to be officially finished with this rude and unprofessional lending company. so I can no longer have this debt hanging over my head. I have suffered from XXXX  from this aggressive and over charging interest fees pay day institution constanting harrassing me for payment I can not afford I take care of a XXXX XXXX and physically challenged parent who needs me to pay her bills which is over {$2000.00} a don't make enough money currently I as of XX/XX/XXXX but do not get enough income to pay these outlandish fees. Please help me make this offer to pay the {$920.00} balance from the original amount borrowed. I have the payment confirmation number # XXXX for the {$780.00} I paid. Its been over a year and I want to be completely done with this horrible money-grubbing predatory loan lender. I will submit a request until I get some kinda of resolution that is fair and reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
RE : Bof A crdit cards -- XXXX or XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX credited a charge back in US . The choice of denoimination is mine, not XXXX XXXX. This unilateral choice cost me {$80.00} to {$100.00} due to currency fluctuations. XXXX has never responded to this complaint. 

Bank America, in it's wisdom, had declined the claim. I abhor Bof A 's attirtude which just enanles and encourages this typr pf scam by hotels etc. B of A 's position, in my experience, is to default to the vendor. 

Someone needs to look after the little guy. Start with 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 monetary relief
Consumer complaint received 2019-11-10 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
I spoke with XXXX about paying a bill off and paid the bill in full. This was confirmed by XXXX. They then sold a {$6.00} balance to Cenvergent Outscouring who added this to my report in spite of my good faith effort to pay the account off when XXXX gave me the balance to resolve this account before it went to collections.

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 2019-11-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern : Can you looked into this matter, I wrote this company a letter LVNV a FUNDING LLC. XXXX XXXX XXXX  XXXX. File No. # XXXX. This company are not on my credit reports, I dont know were this amount {$1900.00} is coming from. Please look into this matter. Thank you for your time and consideration.

Company response to consumer: Closed with explanation