vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LDF Holdings, LLC
State: AL

Complaint narrative:
The entire ordeal started back in XX/XX/XXXX I began to receive emails from a company radiantcash.com from what I can tell it is owned by a group called XXXX XXXX saying I was approved for a XXXX loan. I got multiple emails I did enter my info into a lender matching site to see what my options were. They would state I was approved for a XXXX loan and to sign my documents to finish the process. I withdrew my application twice and it just kept coming back. Then on the next email the date now is XX/XX/XXXX I clicked on it just to see what it was about. I was having a hard time financially so I looked over what they had sent I decided to wait it out I didnt want to have more Bill 's to pay and it would add an extra XXXX every check and I didnt think it was worth having another bill so I just exited out and moved on. Well I should have never let curiosity get the better of me because the next morning XXXX was in my account I was a bit shocked but I needed the money I took it as somebody looking out for me but boy was I wrong. The worst mistake ever! This company had different amounts on the final loan documents they are trying to hold me to. I have never missed a payment to them and have been paying since XXXX which was two weeks after I had looked at their offer and I asked for my pay off amount on XX/XX/XXXX I was told that I owed XXXX they have not taken any towards the principal after I have paid them XXXX which more than covers the XXXX I borrowed. Since finding out the balance is still XXXX I have done some research and this company is not licensed in Alabama and it is not legal in Alabama to charge an interest rate of 690 %. This is a predatory loan company that is doing illegal business in my state and because they are not licensed and have no right to do business in the state without proper licensing and their interest rate is not within the state law my loan contract is not valid and I should be refunded the amount i paid over the principal. Not only did I not decide to get this loan and choose this company but they also changed the loan terms on the final loan documents. None of which is legal. Please help me hold this company accountable so this will not happen to anyone else. I should have done something when it first happened but I was struggling financially and I did not have any idea of how bad or how corrupt one of these companies could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Without prior notice Synchrony Bank closed all my established Credit Cards. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX Many of which I paid either in full when I used them, or paid more than the minimum payment more than twice a month. 

Many of my cards had less than 30 % utilization. All paid on time for years. 

The closure with balances negatively affected my credit score.  They CLOSED ALL without warning without a letter, without a valid reason telling me I was a risk because of something on my credit file and there is nothing negative after the Chapter XXXX that was discharged in XX/XX/2015, 5 yrs ago. 

- Paypal Master Card - Cheveron Gas Card - Chevron Visa Card - Ashley Furniture All this made my debt to available credit ratio go down negatively affecting my credit worthiness in violation of the TILA and FCRA. 

They appear to have done this to multiple customers and many of my on time accounts. 

this is not fair - I have worked hard to rebuild my credit and this will affect everything else since it brings down my debt/credit ratio.

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Information reporting not my info

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 2020-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Comenity bank ( XXXX XXXX credit card ) calls mine and my husbands phone at least 5 times a day trying to collect the amount owes. I am willing to pay them just have not been able to. I am not working full time right now and am a full time college student. I have told the company I will make a payment when I can but they are relentless and call every single day, multiple times a day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KLS Financial Services, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a collection letter from KLS Financial Services , Inc. regarding and alleged debt of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. 

I immediately disputed the debt in writing, because I have not had a relationship with XXXX XXXX XXXX since XX/XX/XXXX, over 10 years ago. 

KLS responded that they were not obligated to provide any information regarding the debt, only the original creditor and the amount. This is in total violation of the Fair Debt Collection Practices Act.

In addition, KLS has been informed that I filed for Chapter XXXX bankruptcy in XX/XX/XXXX, a year after my relationship with XXXXXXXX XXXX XXXX had ended. 

KLS not only refused to provide proper verification of the debt, but they are reporting to the credit bureaus as a new debt incurred in XX/XX/XXXX. 

Even if the debt was valid, it's over 10 years old and uncollectible under the statute of limitations of any state. 

KLS is using illegal collection tactics to scam people into paying old debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander did not try to resolve the issue. Someone had gotten my information and tampered with my lease on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information reporting on my credit report.

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 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
My wife and I are in the process of building a new home on our property in XXXX ( county if that matters for some reason ). We have contracted with a local company called XXXX XXXX XXXX to build the home. XXXX does not offer a turn-key home, so we were looking for a bank that would allow us to act as our own GC. A friend got involved and referred us to a Loan Officer at XXXX XXXX named XXXX XXXX. We gave him all the information including that XXXX has a draw schedule that is different and that they don't deliver a turn key house. The friend that referred us ( XXXX XXXX ) and the Loan Officer figured that XXXX was a contractor and that we would step in as the GC. We had many issues with the Loan Officer but eventually we closed out our one-time close conventional loan in XX/XX/XXXX with the financial institute AFR. When we tried to get our first draw from AFR we ran into problems, which started in XX/XX/XXXX. AFR determined that XXXX XXXX was not actually a licensed or insured GC like he told us, but was using information from a company he was affiliated with ( he told us it was his company ), XXXX XXXX XXXX XXXX AFR admitted they did not vet XXXX at all, even the Contractor License he supplied them with was expired prior to closing. In XX/XX/XXXX when this came to light AFR said we were still responsible for the loan and we had to find a new GC and pay out of pocket for them. We were able to find another GC to work within our budget. Last week we spoke to yet another person at AFR who was very supportive and talked about how it seems that XXXX XXXX and XXXX XXXX committed fraud and said they were going to review our contract to get us more time to finish the build instead of the XX/XX/XXXX date ( 1 year from closing ). Earlier this week they called to say the only options to us are to pay off the {$10000.00} outstanding on our mortgage with them ( which only includs closing costs from our closing with them, we have been paying the amount due of {$50.00} every month since XX/XX/XXXX ) and start again with a new bank. Or we can refinance with them and pay new closing costs on the refinance. 

We have paid out of pocket up to this point. We have permits for the septic and building permits that were required that we get before they would close, and we paid out of pocket for the excavation and building of the pad because they said they were working on getting the draw situation organized. When I told them those options weren't acceptable they said they have zero responsibility to vet a builder and it's our fault for hiring the loan officer and they will have their lawyers contact us and hung up. We are now in a position where our permits will eventually expire, we will be out of contract with our builder and just have additional debt for construction and building permits for a home that does not exist. I have no clue where to even start with finding a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I have recieved several collection notices for accounts unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX did not try to resolve the issue. Someone had gotten my information and tampered with my lease on my car.

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 2020-02-08 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Dispute # : XXXX To ConsumerFinace and XXXX : Material Red Flag : Broken Internal Control Design of Customer Complains - not following the set process. 

1. Not in time : Per the supervisor, the first step of customer complain should be resolved within 30 days. I've filed my dispute on XXXX and the merchant responded on XX/XX/XXXX. However, I had not heard back from Discover until XX/XX/XXXX. 

2. Weak Design : The supervisor said the first conclusion that the case should be without the human intervention. And then she told me that this case was reviewed by HUMAN for the FIRST TIME when i called - then they reversed the transaction to continue the case. Which means they rely on customer complain to handle dispute and if i didn't call, this transaction will be closed in merchant 's favor. When i asked what info was provided by XXXX for discover to close the case in their favor, she said the fact that XXXX responded. It amazed me how Discover are being honest about their weak control design. 
Funny enough the info XXXX provided was ONLY MY NAME and ADDRESS, whereas i provided my return slip, tracking number of return and the delivered confirmation from XXXX. Please note that if this sale was final i wouldn't be able to get a return slip from XXXX. 

3. Next step : The representative told me that this may take more than 6 months. Is that what they wrote in their XXXX? How timely is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for paperless billing years ago and as a result would receive an email notification of my bill - when it's due, amount due, etc. I also downloaded the app so that when I do get the email notification I can go right on the app to make a payment. Capital One seemingly wants to make it easy and user friendly. 

Here 's the problem. 

Many, many months ago they stopped sending the email billing notification ( and also didn't reinstate the paper bill. ) I checked my email in case I had inadvertently blocked the email address ( I didn't ), and then went on the app to make a payment because I realized by now I must have been late. I was. And was charged late fees. 

Here 's what I saw on the app when I went to make a payment - a small notification at the bottom of the home screen that says if I wanted to keep getting an email billing notification I had to logon to the website at least once during the year. A. why is the app even available if it doesn't count that you use it to make payments? and B. why do I have to go on to the app to see this type of notice? 

It's pretty obvious that this is a tactic to collect late fees because people may not notice a missing email from Capital One. They don't send red flag SOS notices if you're late, or a notice to remind you to log on at least once to keep getting emails. I bet Capital One 's income as a result of late fees has close to doubled if not more. This was the first time I saw this notification on the app after using it monthly to make payments - the notice wasn't there previously. 

I ended up reinstating a paper bill which I also NEVER received. So, to confirm - no email and no paper bill. 

I closed my account today. 

It was all done through electronic prompt. I never got to speak with anybody about it - no customer retention or interest in why I was closing. Not unexpected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Choice Money Transfer, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid my utility bill ( XXXX  XXXX XXXX ) via XXXX XXXX, which is a partner agent Choice Money Transfer. I paid a bill of {$250.00} and the agent gave me a receipt of the transaction. She also told me that her system was down that time and she will make the transaction as soon as possible. 
I followed up with her on next day but she said her system was still down. 
I went to the store again on XX/XX/XXXX and found the store was closed. She hanged a notice saying that her system was down and she will open the store on XX/XX/XXXX. But since then the store never opened and the bill was never paid to XXXX XXXX XXXX. I got the same bill again with past due. 
I called their wire transfer agency ( Choice Money Transfer ) but they told me that they are only refunding customer who sent money to others. They are not taking any responsibility for bill payment. 

Address of XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX Address of Choice Money Transfer : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Phone :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank although all cards paid on time and long ... They CLOSED all my accounts that I had for years. 

They are now showing I owe more than my Available Credit. 

No notice, no email. They said I was a risk. I was NEVER EVER late. 

This is not fair to me. They could have at least called or something. I sparingly used the cards and only my furniture card had the highest balance. 

I have worked for 5 years to rebuild my credit after Chapter XXXX. They just ruined this for 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 explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/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 2020-02-08 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: FL

Complaint narrative:
EXPERIAN, XXXX AND EXPERIAN HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX    XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/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 non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: S&N Debt Solutions, LLC
State: CA

Complaint narrative:
Dear Sir/Madam : I am writing this complaint about Beyond Finance, a debt management company with whom I entered an agreement with in XX/XX/XXXX. This company proclaimed to serve as a mediator with my creditors and guaranteed me they would settle my debt without it going to collection so that I only had to pay one low monthly payment of {$460.00}. The asked me to sign a contract and told me to STOP paying my creditors and STOP taking my creditor 's phone calls. I expressed concern about not communicating with my creditors and the representative explained that I should refer the calls to Beyond Finance.

I followed their guidance and stopped making payments on the accounts that were part of the settlement agreement and I even wrote a letter to the creditors giving authorization for Beyond Finance to communicate on my behalf. Beyond Finance contacted me around XX/XX/XXXX and informed me that one of the creditors, XXXX XXXX, agreed to the settlement and that payments to XXXX XXXX would begin in XX/XX/XXXX. I felt relieved that XXXX XXXX and Beyond Finance reached a settlement agreement on my behalf. Unfortunately on XX/XX/XXXX I received an alert on my credit report that XXXX XXXX " charged off '' my balance. I disputed this verbiage because Beyond Finance representatives assured me that all settled accounts would show " settled '' balance. The dispute was overturned and the language remained. 

On XX/XX/XXXX I brought this to the attention of Beyond Finance in an email. They left me a voicemail to call them. When I finally called on XX/XX/XXXX, I told the representative that Beyond Finance misrepresented their services and that I wanted to cancel my contract. I also told them to refund my payments. 

I feel like I have been defrauded by Beyond Finance. I am furious that I wasted money and time when I could have worked out other payment arrangements with my creditors on my own.. So far they collected payments for XXXX, XXXX and XXXX and they did not deliver on their promise. Please investigate this company. 

Thank you, I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never paid my payments late.

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