vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
On XX/XX/XXXX I went into the car dealership ( Larry H Miller Group of Companies specifically XXXX XXXX XXXX XXXX of XXXX, Arizona ) to inquire about purchasing a vehicle. I worked with XXXX XXXX and was denied due to not having any established credit history but was told that XXXX would " look around '' to see if anyone would loan me the money to purchase a vehicle ( XXXX XXXX XXXX ) On Sunday XX/XX/XXXX, XXXX called me back and informed me that he found a bank that would accept me as a borrower and I needed to go to the dealership to sign paperwork. Me and XXXX discussed how much I would be able to afford per month and I informed XXXX that I would like to spend around {$300.00} per month and XXXX indicated the only way I'd be able to get the car would be to pay {$450.00} a month which I informed XXXX that I couldn't really afford that cost but I needed a car so I agreed. At the time I was unaware the borrow was through the dealership itself. I feel like I was a victim to predatory lending as I felt pressured to come to the dealership because I was informed that I would not have been able to get a loan from anywhere else because of my lack of credit history. I was given a loan with a 20 % interest rate with a 72 month term from XXXX XXXX through the dealership ( XXXX XXXX XXXX XXXX XXXX ). I borrowed the amount of {$18000.00}. During this purchasing agreement, I was also sold a Total Care Auto warranty ( Guarantee Auto Protection ) for {$790.00}, which I feel like I was taken advantage of based on my race, age, lack of experience purchasing a vehicle and was sold on a product when they knew I was being charged at such a high-interest rate that they could take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I have an unverified account from BRIDGECREST CREDIT. I had previously disputed this account. I have never done business with BRIDGECREST CREDIT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BRIDGECREST CREDIT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BRIDGECREST CREDIT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
My home is up for a foreclosure sale the XXXX Tuesday in XX/XX/2018. The assignment that being used to foreclose was created after the cut off date of the alleged trust that claiming to have Power of Attorney. I revoked the power of attorney that was given to the XXXX XXXX with the Borrowers Waiver of Rights in the XXXX County Courts. The assignment is robo signed and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I never made a contract with AWA, I sent a letter and Im mailing a copy to CFPB as well according to Section 609 ( a ) ( 1 ) ( A ) XXXX, XXXX, and XXXXx are required by Law and AWA Collection Agency to provide proof that I intact had a signed sealed and delivered contract and I did not and this was paid I want it removed and they have also fraudulently placed a date saying I started a contract with them on XXXX and thats not true they can not create a false date and a false contract and thats what they have done. This contract to my understanding was from XXXX with a company called absolute bail bonds when I verified I was told this was originally opened 13 years ago. I am a victim to fraud at this point and absolute has lied saying I made a payment on the account on XXXX and thats fraudulent as well I don't owe this why would I pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: CA

Complaint narrative:
I contacted Equifax about this " XXXX  XXXX Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. Equifax & XXXX XXXX refused to remove the fraudulent account from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC
State: CA

Complaint narrative:
Account Number XXXX Knowledgeable employee of Parkside Lending : XXXX XXXX Loan Servicing Specialist Parkside Lending, LLC- NMLS # XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX http : //www.parksidelending.com Phone : ( XXXX ) XXXX eFax : XXXX Email : XXXX http : //www.parksidelending.com Team Email : XXXX Corporate office address : XXXX XXXX XXXX XXXX, NJ XXXX Initiation of inclusion of property taxes in mortgage loan XX/XX/XXXX. All property taxes paid directly to Treasurer / Tax Collector summary showing XXXX owed on my property taxes as of the date XX/XX/XXXX This is immediately preceding Parkside Lending withholding property taxes in an escrow account. I believe Parkside to be incorrect on 2 areas : 1 ) Parkside never properly began my beginning balance with a XXXX  balance.

2 ) Parkside is attempting to collect {$18000.00}. for an escrow account that only totals XXXX. 
3 ) Parkside is illegally forcing me into foreclosure by not accepting my XXXX payment for the last two months.

4 ) Parkside is illegally charging late fees on amounts I have not been late on payments.

Loan payment schedule determined by Parkside Lending as follows : Original mortgage payment, not including property taxes {$2300.00}. 

In XXXX, I requested an escrow account be set up on my behalf. At this time, Parkside Lending increased my payment to include property taxes to {$3100.00}. This allows {$830.00} to accumulate each month and be placed into an escrow account for Parkside Lending to pay my property taxes two times per year. This monthly amount totals {$10000.00} annually and my annual tax bill is {$10000.00}. 

I paid ( on time every month since inception of escrow account {$3100.00}. In XX/XX/XXXX, I received an increased mortgage payment ( includes mortgage, property taxes and escrow shortage account ) for {$3800.00}. I immediately contacted Parkside Lending and have received the run around for 4 months to no avail.

How can a mortgage Lender be allowed to increase a homeowner payment from {$2300.00} to XXXX = an increase of {$1500.00} per month? When this does not total the property taxes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted XXXX about this " CAPITAL ONE Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. XXXX & Capital One refused to remove the fraudulent account from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian was supposed to remove 2 inquiries off my report on XX/XX/2018 it is now XX/XX/18 and the 2 inquiries are still not removed. These inquiries are now over 2 years old and should have been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  and XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX I have not informed or recalled of any association with these company. I have contacted XXXX XXXX, and XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2018-08-21 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: TX

Complaint narrative:
On XX/XX/2018 It was noticed that there was incorrect and unauthorized information 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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IL

Complaint narrative:
My discover card is charging me interest at a point that is unaffordable. 
Id life to pay the card off to get rid of it, and have tried, but no matter how large a payment I make, the interest they charge is sickening. 
Ive been with them since 2008. Ive always paid on time. I am now down to minimum payments because I cant afford their interest. I complained to them and they told me too bad to put it simply. This company is horrible. I refuse to make lump payments as its mostly interest. I cant afford the pay off amount yet of just under {$9000.00}. This is just wrong as Ive been with them for so long and have since then cut my card to shreds. 
I cant pay off half the amount unless in want to pay {$7000.00} due to interest and then another {$7000.00} to pay the card off. 
This company is a scam. Id never have signed up for this had I known they were such liars and crooks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/18, I applied for a credit line increase on my account. I was denied on the sole basis that my monthly average monthly payment has been too low. I feel that this is a discriminatory practice on the basis of my credit limit being only {$500.00}, so obviously my minimum monthly payment would be low, and the reason I only make minimum payment is because my balance is on a 0 % interest, so making larger payments doesnt make financial sense to do so. Ive demonstrated fiscal responsibility in managing my credit card, and theyre forcing me to have to explore other credit options to meet my financial needs. If I had known this was going to be an issue I wouldve not agreed to terms of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TX

Complaint narrative:
On XX/XX/2018 it was noticed that there was incorrect and unauthorized information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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: U.S. BANCORP
State: CA

Complaint narrative:
I made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. 

I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. 

They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers.

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 2018-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
THE ORIGINAL LOAN AMOUNT WAS FOR XXXX. I HAVE PAID THEM OVER 13,000 AND I STILL HAVE A BALANCE OF OVER 12,000. THE INTEREST RATE IS ONLY 11 %. THEY ARE PUTTING VERY LITTLE MONEY TOWARDS PRINCIPAL AND I WANT TO KNOW WHY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TX

Complaint narrative:
On XX/XX/2018 it was noticed that there was incorrect and unauthorized information 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 non-monetary relief
Consumer complaint received 2018-08-21 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: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX  XXXX, and XXXX XXXX   requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX.I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SD

Complaint narrative:
I received a letter from Hunter Warfield ( XXXX XXXX ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  XXXX, XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX  XXXX XXXX XXXX, XXXX on XX/XX/2018.I have not informed or recalled of any association with these company. I have contacted XXXX XXXX XXXX XXXX, XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DUVERA BILLING SERVI which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that DUVERA BILLING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation