AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio XXXX 
XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for {$590000.00}. On XXXX/XXXX/2015 we opened up escrow on a home. 12 days before our close date ( XXXX/XXXX/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from {$410000.00} and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest rate of 4.125 % with a {$3500.00} credit. The reason the 5/1 ARM loan was denied after the underwriting approval is because of some kind of " overlay '' that the underwriter " missed ''. The reason for this " overlay '' is not associated with anything questionable in our finances, credit score, debt to income ratio or anything else on our end. I have contacted other lenders which all have informed me that our lender should have known this before we went into escrow. I feel that our lender used a bait and switch tactic to get us this far into the escrow process thinking that we would just go with a higher interest. The change in the interest rate would increase our monthly mortgage by at least {$400.00} a month. I have asked if there is any way our lender could work out the current issue with us, but they gave no other options. One day after the previously mentioned complaint, we received a conditional loan approval for the product 5/1 ARM VA Jumbo 100 % financing at 3.125 % interest directly from the loan processor of the loan company in question. However, our loan officer still denies that we were ever approved for such loan terms. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my Transunion report and it indicated that I had closed a secured credit card account with XXXX XXXX on XX/XX/XXXX. I have not applied for a secured card with them since XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to inquire about when I had re-opened the account. The XXXX told me that no account had been opened and that she would send me a letter stating the account had been closed XX/XX/XXXX. Two weeks later I received the letter indicating that my account had been closed XX/XX/XXXX. Checked my credit report ; date account was closed changed from XX/XX/XXXX to XX/XX/XXXX. I called XXXX again and requested that they provide me with the original application after XX/XX/XXXX. XXXX informed there was no application and he would submit a dispute. I requested a dispute case number ; rep informed me there was none. Last week I received a letter XXXX indicating that my dispute had been denied. I called XXXX again and requested, once again, the original secureed credit card application. Rep informed me that there was no account opened and he did n't show any accounts closed after XX/XX/XXXX. Rep informed me he would mail out letter indicating account was closed XX/XX/XXXX. Rep stated he was unable to provide me with letter stating that no account was ever opened after XX/XX/XXXX. I requested a letter to submit to Transunion stating that XXXX system does not show any account closed on XX/XX/XXXX or XX/XX/XXXX ; Rep was not able to provide me with letter. Submitted dispute to Transunion XX/XX/XXXX after XXXX XXXX denied my dispute to remove supposed closed account on XX/XX/XXXX and XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, so to be able to steal my rewards, and to get it reported on my credit report as closed by credit granter, resulting in a significant decrease to my credit score. Also they charged me interest on a balance transfer after assuring me I wo n't be charged. When I questioned them as to why they decided to grant my request to close it..? their answer was : 1 ) since I drastically went over my credit limit, 2 ) had three returned payments, 3 ) opened to many accounts past year. To Clarify : 1 ) This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid almost full balance. And even more strangely upsetting after advising them that these charges were made without my consent. 2 ) Explaining them issue with returned payments, furthermore, In the past they also once in error stopped a check sent to me causing me damage and bad image. 3 ) I had no problem while starting the relationship with them, although I always had many accounts. 4 ) In addition to the above referenced account, all other accounts including my wife 's, were closed, even where no issue occurred at all. All this happened only after I warned them I 'll report them to the CFPB, and start litigation against them, since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on my spouses account, right after the statement closed with a high balance, saying they do n't do this service, no matter damages causing you, which is ruining my score as well, being that I am an AU on the account. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem my rewards I legally earned by using the card and paying for it. I also just upgraded my aadvantage card to be able to earn XXXX miles and lost out on that as well. Barclays bank is being misleading and violated federal regulations by charging me interest on a balance transfer I was promised it will be free of interest. NEVER SEEN A BANK BEING SO UNFAIR MISLEADING, STUBBORN NASTY, UNACCOMMODATING, AND IMPROPER! 

Company response: Company chooses not to provide a public response
Consumer complaint: A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our loan started out as a revolving credit line, but then matured into a mortgage some years ago, a second trust deed secured by our home. On the date of its maturity, the bank cancelled the associated credit card and precluded any further credit charges. The loan was converted from a credit line into a mortgage as far as usage and loan servicing is concerned. So far, everything as we agreed. 

The problem is that the bank is refusing to change the loan category to a mortgage. With the loan reported in its obsolete pre-maturity form as revolving credit, the credit reporting agencies add the outstanding principal to our credit card debt, artificially inflating our debt-to-income ratio. This is ruining our credit, preventing us from refinancing this mortgage or any other mortgage. According to XXXX, the bank could switch from reporting this as credit card debt to mortgage debt with a simple and quick setting changeWe are requesting that you compel the bank to make that setting change now, and report what has matured into a mortgage as a mortgage. 

Please note that we are not asking any of the data reported about the loan to be changed, only that the bank stop characterizing it as revolving credit so the credit reporting agencies reclassify it with our mortgage where it belongs. As far as the loan itself goes, all payments have been made on time throughout the history of the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am new to XXXX and staying in phoenix. I reached XXXX on XXXX XXXX 2015 and I immediately opened an account with XXXX XXXX XXXX as well as applied for a credit card through them which I got after approximately 30 days. 2 weeks back I had applied for a car loan XXXX and approved my loan immediately but later on I was told there is some problem as the address which I have provided on my application does not match with that that on my credit report. I thought some problem will be there and they will come back to me which they did not. After which I applied for an auto loan with XXXX XXXX XXXX and got an approval from them immediately with APR of around 2.5 % and they also send a credit score of XXXX which for me was very high as I did not have any credit card or loan or any credit history but any ways I before going to dealer I just thought of checking the same with them once more and I got to know that there is a problem as again the address which I had provided does not match with XXXX my credit history. I went to XXXX XXXX XXXX and told them the problem. The banking associate XXXX called the loan department in front of me but they said they cant talk to him and insisted on talking to me and again they told me the same problem. They told me it is address of a place know as Surprise which near to phoenix. I never stayed in Surprise. I just did a random search on XXXX and found there is a person with the same name as mine staying there and I am sure his credit information is appearing on my credit history inspite of the fact that my SSN is being used for pulling out credit history. The dealer which I had visited also told me that it looks like there is a same person as you are in Surprise location. I am not attaching any documents as I am not able to pull my credit report as they say my SSN does not match with the address I have provided whereas XXXX XXXX XXXX, XXXX and my dealer could pull the credit history and could see there is a big mismatch. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Experian XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Experian is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Experian along with a final certified receipt date XXXX/XXXX/2015. On XXXX when I went to check the status of my dispute using their Report number # XXXX the website stated that I HAD NO ACTIVE DISPUTES. Please assist me in getting this resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am overseas and my debit card was flagged and taken from me. I informed my bank that I was traveling well beforehand and on more than XXXX occasions. After many mix-ups, I was sent a new debit card that does not work and the bank has not been willing to correct for all the mistakes they have made. As a result, I am abroad with no access to my funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: It has been more than 60 days since I wrote to experian and I have not received any status of my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: transunion has reinserted wrong unverifiable information to my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had some financial difficulties and decided to apply for a loan through Just Military Loans. Now I know it is my responsibilty to read everything and that I am responsible for my debts, but I do not feel it is right to charge 80 % interest rate on any loan. I know that throught the SCRA I could reduce it to 6 % if i accured the loan before active duty, but even after you enter Active Duty I believe there should be a cap on the interest rate a company can charge you. This should go for any consumer loan company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Attention Consumer Financial Protection Bureau, now this is the way will do this, your role is to investigate Fraud. Ok here we go, Transunion is committing Fraud, there 's an account XXXX XXXX XXXX XXXX showing an balance of {$26000.00}, acct number XXXX ... ... ... .Auto Loan. XXXX XXXX XXXX XXXX mailed me a XXXX copy of the submission date of this Pay-off, XX/XX/XXXX. What Transunion is TRYING to do, and notice I said Trying to do is sabotage my Credit Score, and show high Debt-to-Income Ratios that effects Adjusted Gross Income PERCENTAGES, I 'm not a XXXX, Transunion is committing FRAUD. Now if you, CFPB are refusing to investigate, I will call, and call the Director XXXX XXXX XXXX office as an advocate for Consumer Justice for XXXX AMERICANS. I 'm certain that the Consumer Financial Protection Bureau is n't participating in this FRAUDULENT effort by Transunion. A lot folks seem jealous, XXXX I brought a new truck, the XX/XX/XXXX XXXX was paid off, real Real simple XXXX XXXX XXXX paid TRUCK off, there is a XXXX Balance, TRANSUNION IS COMMITTINGFRAUD, and I would ask that the Consumer Financial Protection Bureau step in " NOW ''! 
Also these XXXX have created a XXXX account that showing twice, they 've closed this CREDIT CARD account and this is hurting my credit score by XXXX to XXXX points. 
I 've contacted XXXX and they are sending me a letter stating that they are only reporting XXXX XXXX account, period, these XXXX XXXX are again attempting to sabotage my credit report, credit score to STOP THE FLOW OF CREDIT, FOR WHICH THEY WO N'T STOP! Listen up CFPB, I will continue to contact you via complaint internet until you folks investigate and I will starting calling XXXX office for assistance. I called XXXX office x-President of XXXX XXXX XXXX and it yielded2 % mortgage, XXXX Principle FORGIVENESS, I 'm an ADVOCATE FOR XXXX XXXX XXXX and I want stop Fighting, never will I allow Creditors to undo what XXXX XXXX, Congressman and Senator XXXX did for Consumers, NO NONOT ON MY WATCH, again I 'm a FIGHTER. Oh and Tell Transunion I 've just done another EQUITY Loan with XXXX to PAY OFF all credit cards, I 'm bring them down to a XXXX BALANCE AND THERE IS NOTHING, NOTHING THAT THEY CAN DO ABOUT! 
THIS will decrease DTI do to 17 %, WOW, WOW! 
Calling on you folks at the Consumer Financial Protection Bureau, let 's FINE these CROOKS TRANSUNION, Calling on your HELP! 
Bottomline CFPB, next response is that you folks have evidence from Transunion stating that ... ... ... XXXX XXXX XXXX XXXX states that this Auto/Truck is n't PAID-OUT realreal simple, the Question will be, does CFPB have evidence from TRANSUNION showing BALANCE NOT PAID OFF YES OR NO, Real simple! Also have them to submit to you CFPB DOCUMENTS showing that I have XXXX ... ... ... ... XXXX, Real simple HAVE TRANSUNION produce XXXX XXXX XXXX reporting. I 've not close my XXXX account these XXXX are hurting my credit score by about XXXX to XXXX spread points give or take XXXX to XXXX points calculations. 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a few days late paying XXXX and explained to th customer service personal that I would pay a few days after the due date and the customer service person expressed that t was late and did n't care and was gone nag to report it any ways. Now my credit score is in the toilet because of one instance. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law