vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
I GOT A 18 MONTH PERSONAL LOAN WITH PAYOUT EARLY WITH NO PENDALTY AND SAVING ON THE INTEREST. THE LOAN AMOUNT WAS {$1500.00}. THE FIRST MONTH PAYMENT WAS {$120.00} BUT I PAID WELL OVER THE MONTHLY AMOUNT MY GOAL WAS TO PAYOFF EARLY. I CALL THE COMPANY IN XXXX FOR A PAYOFF THEPAYOFF BALANCE WAS {$600.00} BUT I HAD CREDIT ON THE ACCOUNT WITH NO PAYMENT FOR 6 MONTHS. I STATED ON MY CHECKS AND BY PHONE THAT THE EXTRA AMOUNT WAS TO DECREASE THE INTEREST OWED. SO I ASK FOR A PRINTOUT OF MY ACCOUNT THE MANAGER STATED THAT THERE WAS NO PRINTOUT FOR MY ACCOUNT. CALLING CORP OFFICE FOR THE BALANCE I NEEDED TO CALL LOCAL OFFICE.I HAVE A CREDIT FOR THE ACCOUNT FOR 6 MONTHS NO PAYMENTS I NEED THE CREDIT TO BE APPLY TO THE ACCOUNT. IF I HAVE DID NOT PAY I KNOW THE COMPANY WOULD MAIL OUT REMINDER BUT NOT A PRINTOUT TO MY SURE THE COMPANY IS INCOMPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: FL

Complaint narrative:
Please require TransUnion to delete the items on my credit report, as TransUnion has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit report and TransUnion has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. TransUnion has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but TransUnion still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the TransUnion Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that TransUnion uphold their obligation to delete these items from 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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I have reached out to Southwest Credit three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Southwest Credit to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP
State: IL

Complaint narrative:
XXXX XXXX XXXX lost or misplaced my insurance information. Failed to contact my former insurance company and now wants to individually hold me responsible to pay money that I should not be responsible for. They were negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc.
State: OH

Complaint narrative:
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class 7 claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending
State: AZ

Complaint narrative:
Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Someone attempted to obtain credit in my name on several occasions. There were several inquiries from XXXX XXXX  that I never applied for & I thought had been removed from all credit reporting agencies. After submitting inquiry removal letters from XXXX to All credit reporting agencies, XXXX and XXXX  were the only two that removed the inquiries, Equifax did not. I was part of the Equifax breach. I was told by Equifax to file a claim with the consumer that requested my report. Which I did- I forwarded the deletion letters to Equifax and they refused to remove the inquiries. Since i was unsuccessful at obtaining assistance from Equifax, I reached out to the police department again and The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. These inquiries are adversely affecting my credit. The language barrier of the Equifax customer service agents is impossible to understand. Some of the inquiries have fallen off, however there are two inquiries that are still hindering my report. One from XX/XX/XXXX and the other from XX/XX/. I have attached the deletion letters. Please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/18 refund of XXXX was issue never posted on my acct. Merchant show a refund of this amt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO SHOWING ON XXXX XXXX XXXX XXXX HAVE FTC OF THE INACCURATE 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 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: KS

Complaint narrative:
The debt owed was from my brother who passed away XX/XX/2018 and I told ascension point that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against ascension point recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I want to make a complaint about Santander Bank they repo my car I couldnt afford it anymore due to the high interest the bank had every payment I made was not even touching the capital only interest rate. I found out people are suing this bank and I would like for the repossession to get off my credit because this is nothing but a corrupted bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
account number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not removing this debt from all three credit unions but estimated drop off date on XX/XX/2017, please help me to resolve this issue. 
Thank you

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 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
With the new law allowing free freezes with the three credit bureaus I was able to complete freezes easily online except for Experian. 

Its not possible to call them. Even though the same identity information was required by the other Bureaus who processed the request Experian claimed to be unable to respond to the request and insisted on mail in of identity information. 

Experian appears to be frustrating the intent of the law making to make it easier for consumers to protect their credit information by insisting on mail. I can understand the need for rigorous review to unfreeze but not to freeze as this is often needs to be implemented quickly to minimize risks and prevent improper use of identity 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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a bank of America credit card ending XXXX which was charge off on XX/XX/2018 but the bank did not followed 180 days federal regulation for revolving credits to be charged off on my account. In their statements and transaction list shows thats I have made a payment within that time 180 day period and the bank did charged off may account with out notice.

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 2018-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Torriere Holdings INC
State: MO

Complaint narrative:
" XXXX '', XXXX XXXX XXXX has contacted myself along with my father and my step-mother 's father ( on XX/XX/2018 ) with a voicemail containing false and misleading information. I have audio recording of the voicemail, including the agent stating their company name as " XXXX '' instead of the full company name. Agent, XXXX XXXX, proceeded to state legal action was going to be taken against me if there is no response. When contacting the agent on XX/XX/2018, the agent never stated the Mini-Miranda warning. Agent threatened to terminate call without resolve when I brought this up. Agent transferred me to a manager. Manager did stated the Mini-Miranda. Manager transferred me to the payment processor, and I signed a document listing the series of payments. No where on this document states I can not cancel this series of post dated payments. I contacted the company XX/XX/2018. Agent on the phone did not state the Mini-Miranda. Agent stated that I signed a contract of these series of payments and at first stated they can not be cancelled. Agent then stated payments will be cancelled and this will be sent back to the client, did not state who the client is, to be sent to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I attempted to transfer money from one account to another account of the same institution and used the option " XXXX ''. The transfer requested either an email address or telephone number. I chose the second option because the intended recipient used telephone option. 
I mistakenly transposed the last digit in the telephone number and the money was sent to an account in a different financial institution. 
I was using Wells Fargo online for the transfer, both my account and the recipients account are with this institution. 
The transfer went to a XXXX account. 
I contacted Wells Fargo one hour after the transfer which was done on XX/XX/XXXX and initiated the complaint! On XX/XX/XXXX the intended recipient and I spoke to a Wells Fargo banker on a conference call in which the transposed digit error was determined to be the problem. I was assured that the error would be addressed and funds returned in 1-3 business days. 
I now have been informed by Wells Fargo that they can not get money back and that they only contacted " XXXX '' to verify that the funds were delivered and that neither they nor XXXX can do anything more. They suggested that I contact the number used in an attempt to secure return of funds. I was told by Wells Fargo that the receiver must initiate return of funds! I asked for the account information associated with transfer and was denied and informed that they " Wells Fargo '' did not contact " 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 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I work as an XXXX XXXX XXXX XXXX for my daugther, who was in the Intensive care unit at XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. When my daughter is hospitalized I do not get paid. After being in the hospital for a month I signed an Opp loan for {$2600.00}. From XX/XX/XXXX to XX/XX/XXXX I have paid them over {$3600.00}. Today they tell me that I owe them {$2800.00}. I just made a payment for {$210.00} That I am placing a Stop payment on. I was never told the INTEREST RATE OF 160 % THAT IS ACTUALLY OVER 430 % APR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
The debt owed was from my brother who passed away XX/XX/2018 and I told XXXX  XXXX that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against 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 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent you several complaints regarding EQUIFAX and all I ever get from them are form letters asking me to PAY them for my report when I shouldn't have to. They haven't answered any of my questions and frankly neither has your department. All you seem to do is pass on my complaint to them without investigating why no action has been taken. The government bureaus have no teeth nor are any bit concerned with corrective attempts at resolutions. And the Credit Bureaus really don't care either. They pile up record profits selling our personal information with the blessing of the U.S. Government. 
LET 'S JUST FORGET THAT I EVER CONTACTED YOU OR THEM. PERIOD!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I canceled my Chase XXXX Credit Card on XX/XX/XXXX. I called a Customer Service representative at Chase on XX/XX/XXXX and asked if I canceled on XX/XX/XXXX, would I qualify for the XXXX points on my XXXX XXXX mileage plus account for making {$10000.00}. in purchases from XX/XX/XXXX to XX/XX/XXXX as outlined in Chase 's cancellation statement. I was told yes. I never received the points and at first was told it could take 2 months to post. When I called in XXXX I was told I did not qualify. On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, XXXX XXXX Chase and made my case. A representative from the XXXX 's office of XXXX XXXX XXXX?, called on XX/XX/XXXX and said that while I did receive the above information on XX/XX/XXXX, it was incorrect and that employee is in coaching. Additionally, even though I was told my process was correct, I would not receive the points because I should have read the contract I signed in XXXX to see I had to wait until end of period. Hello, that's why I called on XX/XX/XXXX. 

I asked XXXX? to put his determination in writing and I have never received it. ( Almost XXXX months ago )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC
State: GA

Complaint narrative:
Company called me about a credit card bill from 1 year ago. I tried to explain my situation, but it seemed like the representative wasn't hearing it. She told me that if this bill wasn't paid by the end of XXXX further action would be filed against me.

Company response to consumer: Untimely response