vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am completely shocked. Wait times to speak to a customer service agent at Barclays were an hour. I had to hang up and call back. When I called back, they told me my APR was 27 % when initially during application I was told it was 18 %. Then, they tell me there is NO BENEFIT GUIDE. All mastercards come with certain benefits, that vary by issuer. Generally, Barclays includes baggage insurance, car rental insurance and trip cancellation protection. The agent, at extension XXXX HAD NO IDEA WHAT A BENEFIT GUIDE EVEN WAS. He was by far the most uninformed customer service rep that I had ever spoke with, except maybe the person who transferred me to him. The XXXX XXXX XXXX is a joke. You can't get through, they lie to you about the rates, they lie to you about benefits. This is absolutely unacceptable. How does a CSR not know what a benefit guide is?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I live in Georgia and per Georgia law, ANY AND ALL payday loans are ILLEGAL and I was NOT aware of this and this company did NOT disclose this. Here is the law from the Georgia.gov law book. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates.

I want this debt to be legally CANCELLED. They are NOT licensed to do business in Georgia nor have a Georgia Industrial Loan License.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: GA

Complaint narrative:
Per Georgia State law, ANY AND ALL payday loans are ILLEGAL. This company did NOT inform me of this nor do they hold a Georgia Industrial Loan License and are NOT legally allowed to do any business in Georgia. They failed to inform of this and here is the state law from Georgia.gov The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XX/XX/XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. 
I want this debt to be considered CLOSED and any and all actions taken from them will result in legal action, both state and federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account of XXXX XXXXXXXX XXXX is reported on my credit files for XXXX XXXX ANDEXPERIAN AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting 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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account of XXXX  XXXX XXXX is reported on my credit files for Trans Union ANDXXXX AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting 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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAS BEEN NOTIFIED OF THESE ISSUES FOR YEARS AND REFUSES TO CORRECT THE PROBLEM. I HAVE REPLIED TO THEM NUMEROUS TIMES AND THEY CONTINUE TO IGNORE THE ISSUE AND DO NOTHING. THIS WAS REMOVED FROM MY CREDIT FILES AND RECORDS AND THEN THEY SOLD THE ACCOUNT AND VIOLATED NUMEROUS LAWS AND LIED THAT I NEVER DISPUTED THIS ACCOUNT. I HAVE FILED NUMEROUS COMPLAINTS AND THEY HAVE NOT BEEN HELD ACCOUNTABLE FOR THESE VIOLATIONS THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME AND NEED TO BE REMOVED ASAP BANK OF AMERICA CEO HAS BEEN NOTIFIED OF THIS ISSUE AND STILL DFOES NOT ONE THING TO MAKE IT RIGHT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: TX

Complaint narrative:
I filed a previous complaint about this company. One of the issues was that when the website was not working, over and over again it would give me an option to log in only by having a-mail or text sent, but then it would say that the code had been sent. However, I had not received it ; and so this bank/credit card company was apparently sending a way to log in to my account to someone else. 
The company tesponded to the complaint but made no attempt to fix the issue. If I select the option to log in by receiving a code, the code is apparently still being sent to someone else. 
On XX/XX/2019, the bank/credit card services refused to accept my call with a message that it would not accept calls from my phone number. The recording went on to state that I must type in the number which it had called. I was not called, and so this appears to be an even worse/more flagrant deliberate sending of my account information by U.S. Bank to an unknown third party. 
On XX/XX/XXXX, I called two numbers, XXXX and XXXX. I called the numbers because there was an XXXX charge and an XXXX refund on my account from somewhere in XXXX XXXX, Nevada. I was concerned about whether someone was trying to see if the card number was valid ; and so even though the amount showed a refund for the same amount as a charge pending I wanted to ask someone at the credit card company if this was anything to be concerned about. 
But now I am really concerned because the company would not allow me to talk to anyone, and it apparently is calling someone else unauthorized about my account. 
XXXX never would have selected this financial services provider for its credit cards if it had known that the company would place it's co-op members ' information at such risk! 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above 580 ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX XXXX. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no reason. None.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I wan na just have my credit fix

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 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello. 

I posted my resume on XXXX, which is a translation job offer website. 
On XX/XX/XXXX, I got an email from a guy named XXXX XXXX. He offered me a translation job and I accepted it. He asked me to send him a proforma invoice and I asked him {$1000.00} for the work. On XX/XX/XXXX, I got the check in my mailbox. He said his bank account mistakenly sent {$2100.00} so send him {$1100.00} back. 

On XX/XX/XXXX, I deposited the check into my checking account at Navy Federal in XXXX, FL. It was deposited instantly so I thought the check has no problem. I never thought a bank would deposit without checking if the check is true. I asked him how I can send him the surplus and he said XXXX, and I sent {$1100.00} on XXXX. On the same day, my accounts and cards were hold by navy federal. I filed a complaint to navy federal and XXXX right away. but the next day Navy emailed me as following : We have investigated your {$1100.00} debit card claim against XXXX XXXX   XXXX XXXX XXXX We found that no error occurred and we are unable to process the claim in your favor for the reason specified below : Once a funds transfer is requested and completed, the service has been rendered in full. You will need to contact the recipient for reimbursement directly. 
As of the date of this notification, your dispute claim has been closed. 

I had some amount of money on my saving account but I was told I have to pay the negative balance to have an access to my own account. So I did, because I needed the money on my saving account. 

Doesn't bankers have responsibility to check if a check is good before deposit? 
Doesn't Navy Federal have a responsibility about depositing a fake check? 
Is it even legal to hold my saving account which was irrelevant and made me pay to have an access to my account again? 
Is there anyway I can get my money back? 

Thank you so much in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
In XX/XX/2017, after receiving endless mail from Prosper Bank regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, Prosper began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above XXXX  ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX child. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no reason. None.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above XXXX ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX child. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no  reason. None.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2017, after receiving endless mail from XXXX XXXX regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2017, after receiving endless mail from XXXX XXXX  regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 I deposited a mobile check. Funds were to be available XX/XX/2019. They deliberately withheld the funds until XX/XX/2019. Meanwhile I incurred three NSF on XX/XX/2019. The check amount was {$330.00}. My bank is BBVA Compass. They refuse to work with me.

Company response to consumer: Closed with monetary relief