vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have previously filed a complaint XXXX. I feel that the employees are demonstrating a " mean girl '', " bullying '' against me and it is not appreciated nor professional. As a client and member of this institution, I do not feel I have to befriend or snug up to anyone to perform business or deal in day to day transactions. Each and every client and member, active or prospective, should be dealt with in a professional manner. We are not here to make Navy Federal Credit Union employees feel warm and cozy or be their pawns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
There was a fraudulent ACH charge on my acct and the bank tells me that theres no way to prevent any future ACH charges from acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I CONTACTED XXXX EQUIFAX AND XXXX   about them having my updated balances incorrectly reported on my XXXX  account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX  account. And EQUIFAX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XXXX  of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted Walmart Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. This morning was the FINAL straw! NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$120.00} now going on a month and I still get a run a round answer

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 2018-04-20 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: TX

Complaint narrative:
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, Experian, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I  contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.

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 2018-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan Depot advertised a product on their website that they do not offer, which is a stand alone 90 % LTV home equity line. I applied, they ran my credit and when they called me said I had to refi my first mortgage with them to get the home equity line at 90 %. That wouldnt make any financial sense for me because my rate is 3.24 % and they were offering 4.5 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted JCP Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$77.00} now going on a month and ALSO the XX/XX/XXXX interest charge of {$91.00} I still get a run a round answer

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 2018-04-20 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: AFNI INC.
State: NY

Complaint narrative:
I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Sent debt validation letter out on XX/XX/2018 there was no response that was addressed to me sent to my home. I have called and each representative hangs up the phone in my face. I was told that they sent a response to my debt validation to someone else that could have showed me their mail. They had over 30 days to respond to me in which they did not. They added this account to my credit files once I tried to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. 

Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. 

Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. 

In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. 

I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. 

I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. 

As of XX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. 

BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I contacted XXXX and paid them once I realized I had a bill with them. I contacted scam collection agency which was rude and didn't believe I had taken care of bill with the hospital. I want the negative listing removed from my credit reports.

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 2018-04-20 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: CITIBANK, N.A.
State: MA

Complaint narrative:
The data reported to the Credit Bureaus ( XXXX, XXXX and XXXX ) in regards to a late payment to Citi Card account ending in XXXX was incorrect and was due to an error by Citi. 

After investigation by Citi, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to Citi to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by Citi. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with Citi. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that Citi told them the data they hod originally submitted was correct. So they did not fix my credit score.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received an email on XX/XX/XXXX from XXXX XXXX stating that effective XX/XX/XXXX the card could no longer be used and the account will be closed in XX/XX/XXXX. The company filed for Chapter XXXX bankruptcy. I inquired about the affect that this will have on my credit score and their reply was to check with a credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: GA

Complaint narrative:
I CONTACTED TRANSUNION XXXX AND XXXX about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my XXXX 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.

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 2018-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I CONTACTED XXXX XXXX AND EXPERIAN about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.

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 2018-04-20 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: AFNI INC.
State: AR

Complaint narrative:
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} AFNI, INC. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: MA

Complaint narrative:
The data reported to the Credit Bureaus ( XXXX, Transunion and XXXX ) in regards to a late payment to XXXX XXXX account ending in XXXX was incorrect and was due to an error by XXXX. 

After investigation by XXXX, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to XXXX to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by XXXX. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with XXXX. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that XXXX told them the data they hod originally submitted was correct. So they did not fix my credit score.

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