vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
XXXX my main issue is insurances placed on loan and informed it is requirement to get the loan. Personal property insurance and life and XXXX. Also I noticed while at the office the lady when I paid my loan off went to the back room left the door open and threw my paid off file in a box with other closed paid off customers. My personal information as well as 100 's of others is not secured at all they are just sitting in boxes. I asked to use the bathroom and when I went back there where this box was there were dozens of boxes like this marked paid off with the month and year on them just sitting around. My credit app is in my file with my credit report. I asked why they dont secured them and the lady said this is how every Regional Finance office does it and there has never been a issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: LA

Complaint narrative:
The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of 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 2019-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We received a Mortgage XX/XX/XXXX through Greentree Mortgage on a mobile home Payments are XXXX at 14.4 % interest rate. Trailer cost {$30.00} My last statements shows that I still owe {$27.00} as of XX/XX/XXXX. 

Now they are Ditech and I have always used their insurance. 

Does this sound possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-06-15 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I opened an account with First TN Bank on XX/XX/2018 but after two months we attempted to contact the bank about why we hadn't received our statements. It turned out someone else 's address was listed as ours- someplace we had never even lived and our statements had been sent to them. We requested our statements and an investigation- we received neither. At that time it was XX/XX/XXXX and we were still living at XXXX XXXX XXXX XXXX in XXXX TN XXXX. We moved on XX/XX/XXXX to our current address and updated our address with the bank via a branch location in XXXX TN and with the post office. Almost immediately we began receiving advertisements, addressed to us, at our new address from the bank but still no statements. After several calls with the bank in early XXXX, including having to deal with XXXX using only incomplete online info as they STILL had not sent a statement I requested our statements. We receive large payments every couple of months and were concerned when there were regular unauthorized payments and account discrepancies. We received a XXXX statement and were assured the rest were on their way. I did not receive another statement until XXXX and now they come mostly regularly as we still have not received one for XXXX. We pay for our statements but due to our regular direct deposits the fee is waived but the bank seems to have decided to withhold our statements as they have demanded we now pay for paper statements, we are supposed to be receiving monthly as part of our XXXX account fee that is waived - along with our statement fee as we meet the direct deposit requirements. We are concerned a bank employee is making unauthorized access to our accounts and know the online info is not accurate as transactions are the wrong amounts- we verified with vendors wat they DID receive and some things are just missing. The bank is making every attempt to impede us even getting our monthly statements and I had already paid extra to get them once and never received them so I do not wish to again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax to dispute this information. I find it very disturbing that I am speaking to someone in another country giving them all my personal information. These are countries that a known for fraud. I spoke XXXX employee # XXXX at the XXXX XXXX call center. Requesting bank statement, drivers license, mortgage statements. This facility has had a data breach in 2018. Why am I giving my personal information to overseas call centers? How can I get my personal information corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid XX/XX/2017, we have been paying the account outright.

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 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This morning, XX/XX/19 at approx XXXX EST, I called my bank, Chase Bank, to ask questions about XXXX, a monetary transfer service that the bank uses. I was planning to purchase concert tickets from XXXX XXXX, and I was advised by a representative that if there were any problems, that I could file a claim with the Chase Fraud department. I had never used XXXX before but that was the service preferred by Mr. XXXX. So I sent money though their service, XXXX, under the impression that I could rely on my bank to help me in the event of foul play. 


Minutes later when I did not receive my tickets and could not reach Mr. XXXX, I called Chase to cancel the transaction, and was put on an extended hold. I was transferred four times, to be told that it was too late to cancel the transaction  and that they would not dispute the charge. They said that it was the equivalent of giving away cash, as opposed to a credit or debit transaction. I was told that I should have called the Fraud department regarding my questions about XXXX, and not their telephone banking department. I have been a loyal Chase customer for ten years and I am surprised by the lack of empathy and customer service. I will be closing my account immediately. 

Do not use XXXX, do not bank with Chase, and be careful with ticket sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I began my initial auto lease for a new vehicle XX/XX/XXXX and picked out a new car XX/XX/XXXX. I was informed that Nissan would pay the last two months ( XXXX and XXXX ), open balance on my Nissan Finance account as an incentive for the new purchase. My issue is, I had accelerated my payments over the past three years with a current balance of {$150.00}. 

In writing up the new sale, there was no provision for the actual {$540.00} to allow for the actual two months payments. 

I think Nissan should give me an allowance for the two months even though I met the payment obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had been banking with Chase Bank for over 25 years. On XX/XX/2019 they sent me a letter ( which I received XX/XX/2019 ) stating they had decided to close all my accounts ( Checking and Saving ) with them. I went to their branch near my house and spoke to the branch managers that I had been seeing all these years and they logged in to my account only to find out that no new account to be open for me and no additional reasons to be provided on their decision to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a XXXX XXXX XXXX XXXX XXXX report for a utility ( natural gas ) on my credit report for a company I did not have an account with. I have submitted disputes twice, but the collection agency will not prove or remove the collection account. I have receipts for all my natural gas payments in my online banking account and in my email. However, it has not been removed by the credit agencies.

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 2019-06-15 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: CA

Complaint narrative:
There is a XXXX XXXX XXXX XXXX XXXX report for a utility ( natural gas ) on my credit report for a company I did not have an account with. I have submitted disputes twice, but the collection agency will not prove or remove the collection account. I have receipts for all my natural gas payments in my online banking account and in my email. However, it has not been removed by the credit agencies.

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 2019-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage company 's insurance department made an error at the end of XXXX but writing a check to the wrong homeowners insurance company. That check was then cancelled but the money wasn't refunded to the escrow account for over 5 months. This caused my monthly payment to increase do to there now being a shortage in my escrow. For 5 months, they denied that there was an error and that my account was short. Once they located the money in the amount of {$2200.00} it took long after the close of the mortgage for the money to be placed back in our escrow. The mortgage closed out on XX/XX/2019. I've called the company only to be told that a ticket will be issued for a request for the funds to be funded many times. The money should not have been missing in the first place, nor should I have been charged a fee at closing for having an escrow shortage. I've asked that they expedite the refund back in XXXX. Was told 7-10 days for a check to be written. Still on XX/XX/2019, there isn't a check issued. Another request was issued today. I have lost faith in freedom mortgage company 's ability to refund this money.

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 2019-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
During the beginning of XXXX, I applied for a personal loan with the Cash Store in XXXX, Illinois. This store is a division of Cottonwood Financial, XXXX XXXX XXXX, XXXX, Texas XXXX. 
At the initial loan interview and agreement I was to make one monthly payment because am on Social Security. The loan was for {$300.00} plus 20 % interest and to pay back {$360.00}. My initial payment was to be in 10 monthly installments. When I got the request for a payment, it was {$120.00} and a second one in the middle of the month, I was appalled at the values as I never agreed to any of the amounts they claim. They told me they were going to come into my account at the middle of the month and take a payment. I told them not to do that as I was broke and there was no money in the account. They did that anyway.I am now refusing to pay the account and they hide all the names of people to contact to straighten out the problem. 
My husband actually audited the account and fond out where the company slips in hidden money values, that are nor obvious in the document nor were ever brought out in the open discussion. I was born with XXXX and needed to have everything spelled out for me, but they only told me I can read the rest at home. They neglected to assist me with the knowledge of payments. My husband cn prove they are misleading, deceptive and intentionally fraudulent. This company has just lost a XXXX Lawsuit for over charging in interest and, I believe that shows fraud. 
I believe they should pay back my first payment of {$150.00} and be investigated for misleading and deceptive business practices, fraud and XXXX discrimination against me because my reading ability is not the best. An analysis of what they have done and an explanation are available on request.

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 2019-06-15 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: NC

Complaint narrative:
The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.

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 2019-06-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.

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 2019-06-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contact the credit bureaus 4 times already.

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report 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 2019-06-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am asking equifax to give me my rights under the federal trade commission fair debt reporting act, title 611. ( a ) ( 1 ) ( A ) ( B ) ( 4 ) ( 5 ) ( A ) ( i ) ( ii ) .I have requested the below listed accounts, be reported pay ststus paid and XXXX balances.as of XX/XX/XXXX by certified mail # XXXX, sent with is 4-1099-c forms/a 1096 form, accounts as follows ; ending accounts number only ; account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XXXX of the accounts need a status opf paid with XXXX balances. -- -- -- -- 4-1099-c forms/a 1096 form was sent to the c.f.p.b. dated XX/XX/XXXX by us mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
they keep calling even after i tell them this is a business line and i am not allowed to have personal calls, they threaten me with legal action but don't explain about what nor who for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: NY

Complaint narrative:
Investigation did not fix 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