vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. 
They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. 

I asked them for statement and they did not respond nor have they ever sent me a statement. 
and pay off and they never responded to that either. 

The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. 
This complaint is going to CA DOJ  as well and this predatory loan I am XXXX they are just stealing money and ruining credit. 

I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: NJ

Complaint narrative:
Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.

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 2019-09-13 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: NJ

Complaint narrative:
Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: FL

Complaint narrative:
I need to have my alleged debt with COMMONWEALTH FINANCIAL SYSTEMS addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I have contacted Specialized Loan Servicing Mortgage Company since early XXXX 2019 and I have told them that I want to pay down my existing mortgage to 80 % of the purchase price so that I may be able to get rid of the Private Mortgage Insurance ( PMI ). I have been told each time I called that I would receive a letter within a week with details about the process and/or the balance reduction amount in order to qualify for the reduction of the PMI. 

It is obvious to me that the SLS mortgage company has no intention of cooperating and giving me the required information. i am therefore seeking assistance and intervention.

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 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
From the minute I became a customer I have not been satisfied with XXXX! My credit limit has been drastically reduced as a result of me not using my account as often as Comenity bank feel I should! The less I use my account, the more my credit limit is reduced! These deceptive practices have caused my credit score to go down! I previously filed a complaint with the XXXX XXXX XXXX in which a representative called me back talking about a different issue that had nothing to do with my complaint and never addressed the issue that I currently have! The representative even mention late payments and the fees on my account as being the reason why my credit limit was decreased! I explained to the rep that the late fees was due to my card being stolen and I should not be held responsible for that! Comenity bank and XXXX XXXX need to be held liable for their deceptive practices! I wanted to formally file a complaint here before I file one with the attorney generals office! I wanted to go on record with this agency first before I pursue the rest of my complaints! If my complaints can not be resolved Comenity bank and XXXX XXXX will be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: AL

Complaint narrative:
I recently pulled my credit report and noticed this is not my account.

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 2019-09-13 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: AL

Complaint narrative:
I recently pulled my credit report and noticed this is not my account.

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 2019-09-13 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: CA

Complaint narrative:
This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. I asked them for statement and they did not respond nor have they ever sent me a statement. and pay off and they never responded to that either. The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX  they are just stealing money and ruining credit. I have filed complaint /dispute with Experian as well. I belive this is XXXX going by a different name.This is a scam loan and they never report correctly.

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 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I'm working with Roundpoint Mortgage. I pay {$3300.00} per month. I made the prepayment of {$15000.00} ( {$4000.00} once and then {$10000.00} ). I was hoping the payment to automatically reflect that but it didnt and when i called i was told that i need to apply for a mortgage recast. I mailed in form the customer service rep told me to mail in and even emailed the same form on the XXXX of this month. I called again after mailing it out and spoke to the same rep who told me that she'll mail out another application after they receive my form. I asked her to email that to me to expedite the process to which she told me they dont email it out. I was surprised as to why would they not email it to me and why only mail it? It clearly looks like they are tyring to delay the recast process so that they dont reduce my payment even though I've prepaid {$14000.00} towards my principal. 

So i followed up today on this and asked the agent when are they going to mail me that application? He confirmed that they have received the form i sent in last week and said they have assigned a rep for this and that they are not going to mail out the application. This is not what i was told last week. Then this rep transfers me to 6 different people and everyone looks like is trying to give me a run around just to prolong the recast process so that the ROUNDPOINT Mortgage doesnt reduce my payment even though they have received {$14000.00} in prepayment towards the principal.

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 2019-09-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a pairs of shoes with my Chase freedom credit card to a company called XXXX XXXX for the amount of {$750.00} dollars on XX/XX/2019, when I receive the shoes one of then wasn't what I order and I call the company to claim my what I ordered and they tell me that they were gon na open an investigation, after that I try to get in contact with them calling more than XXXX times and they don't answer to me, so I decide to call chase and open the dispute, after that I receive a credit on my account for the amount of {$350.00} but still XXXX dollars pending to be refunded, I've been calling chase every day in order to get that money back and provide proof that I returned the item plus pictures of what I receive and return label, and they said that is not enough and that there is nothing they can do, so I don't know what to do in order to get back the {$390.00} dollars that I paid for something that I didn't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three  bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error.

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 2019-09-13 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: TX

Complaint narrative:
I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family

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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clearview Resolution Services
State: CA

Complaint narrative:
Some one called my by the name XXXX XXXX and he kept saying there was a complaint with his client, but never revealed their name, and told me I had 48 hours to respond or they will pursue a lawsuit. This was on Tuesday XX/XX/XXXX. Then he called back yesterday ( XX/XX/XXXX ) and said he will treat this as none responsive. And i called the XXXX X XXXX and the recording said this is Clear View Resolutions, but the man said a different company and it sound like his voice was reading from something while telling me about the procedures. I have talked to an Attorney and he said they suppose to tell me who they are calling for and how much debt it was. So he also told me i shouldn't call back until he gives more info. It sound like a Scam, but he shouldn't be calling me and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: AL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error.

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 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/19 my dad requested XXXX from his son in law via  Pay Pal. So his son in law sent it in a hurry and couldnt figure out how to send via family and friends so he just sent it as a transaction. My dad barely set up this account. This was the second transaction. It was set up so we could send him money. So Paypal flags his account for suspicious and possible hazardous transaction and sale and accuses him of having all kinds of transactions and activity. Now they wont allow him to remove the money or send it back. If he accepts it he has to give his social security and drivers license. Paypal isnt a bank. We simply were passing money from his son in laws account to my dad 's via paypal because they dont have the same banks. My dad sold nothing nor is he giving his social or DL # my dad is XXXX and for them to accuse him of such things is dangerous considering the penalties for them. Now they said since he wont comply he has to wait XXXX  days to get it and even then they will force him to get paypal cash which he doesn't want. He just wants to send the money back and close the account. He hasnt accepted the transfer its in Paypals hands still. They dont comprehend this wasnt a sale and my dad is XXXX i dont know if he has XXXX  days. Then they refused to work with me even after I told them I had XXXX and my XXXX couldnt XXXXXXXX I was willing to show documents and still they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony is charging incredible interest rates and late charges without a grace period. Late charges on a {$500.00} balance is {$39.00}, therefore it nearly equals my minimum payment due. This late fee is then added to the overall balance owned and interest is compounded daily. A few late payments within a 12 month period adds to the balance owned. My question is this. Why are they adding fees to the actual balance? This seems very unfair and it is designed for Synchrony to generate additional interest income and fees that I consider predatory and unfair lending practices.

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 2019-09-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family

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 2019-09-13 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

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 2019-09-13 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:
I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to Experian online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX  can not be reached. XXXX removed the account but Experian is not attempting to investigate even though I provided 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 non-monetary relief