vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
Predatory lending. 

I had been receiving Upstart mailings for probably two years. Each time I would ignore them, and they would send a new offer. 

I needed a debt consolidation loan to get some XXXX  school loans off of the Bursar 's books and to pay some back taxes, and decided to give them a try. It put in the application within a week of expiration of one of their offers. 

The Upstart website clearly asks for bank statements within 90 days. I followed their instructions, uploaded all the documentation, as per their documented requirements. It took me a few days. 

During the process, they changed their qualification rules during the process and found a number of excuses to delay the transaction until the term expired, at which point they used it as an excuse to jack it up to a 30 % APR and lower the amount offered.. 

Of note, they claimed that a single-member sole-proprietorship LLC business checking account didn't qualify as a personal checking account. According to the IRS, a single-member sole-proprietorship is a disregarded entity. So it should qualify as a personal checking account. 

But the main complaint is that they're not following the documented procedures on their website, and are engaging in predatory lending practices. 

Also, it should be noted that the banking industry recently received a $ XXXX dollar bailout from the government. It's unconscionable that lenders are reverting to predatory lending in these times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I did an international wire transfer, from my account with Bank of America to an account in XXXX XXXX XXXX ( XXXX, XXXX ) in the amount of US {$4600.00} ( + fee of US {$45.00} ) For an unknown reason, the transfer was not executed and on XX/XX/XXXX I received a partial refund of US {$4300.00} ( that is US {$240.00} less than the original amount ). 

Bank of America could not explain the difference and has not been willing to give me any details in writing on the reasons for this partial refund, though all the data for the transfer was correct. ( I had done a similar wire transfer on XX/XX/XXXX to the same account with no problem ). I talked to the manager of the local Bank of America 's agency, but he did not have any explanation that he could put in writing and refused to provide any thing in writing. 

The question is : who took the US {$240.00}? 

In addition to that, how can a bank like Bank of America have no record of what happened or be uncooperative and unwilling to provide written support? 

Is this a fraud or a theft with a cover up? Are there other customers from Bank of America who have faced the same problem? Is this an example of a perfect theft with no paper trace?

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 2020-03-14 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes Benz USA LLC.

Mercedes reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX  balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, XXXX and XXXX XXXX. Mercedes need to XXXX  balance, remove negative remarks ( late and repossession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020, I filed a mortgage application with my credit union. I had discussed this application in advance with my loan officer and he indicated it would take a couple days to hear back. On XX/XX/2020, I spoke with my loan officer who reported to me that all three credit reports came back blank, and that there was a notice that fraudulent information may have been used to request the data. Please note, my credit union utilizes a third party company, XXXX XXXX, to aggregate credit information. XXXX  and XXXX   quickly resolved the error and my credit union now has those reports. Equifax continues to refuse to release my credit report. I have spoken to three customer service agents between XX/XX/2020 and XX/XX/2020, and no one has been able to adequately address my concerns. I have no freeze or lock on my credit report. I have been instructed to have my loan officer contact Equifax 's business affairs department with no success. I have access to the online credit report from Equifax ( my.equifax.com ) but I can not retrieve a full credit report online either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone had fraudulently been making withdraws from my bank ( I'm XXXX ) account multiple times a day with my granddaughters ( she's XXXX ) ID she had lost we filed ID theft reports, we filed police reports and the woman ( rude ) woman at Wells Fargo said since her ID was used it must be her when clearly it was not I have had fraud alerts on my account for under XXXX dollars but there was not alert for multiple withdraws at multiple Wells Fargo locations especially since she had brought it to my attention because she though it was me making the withdraws. Neither of us would make a false police report or risk going to prison lying about something yet there is no resolve these were notes by a woman named XXXX XXXX Wells fargo investigator at  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
I applied for a {$500.00} loan today, online, after being approved and routed to the lender through a mobile app ( XXXX XXXX XXXX  ). After signing the loan agreement I then emailed their support line explaining my cell phone had been disconnected and could only communicate via email. It was at this point I realized this *could be* a scam. I communicated via email with someone associated with the lender whose rapid response time and punctuation used in the email seemed concerning. I did decline the loan via email and was given verification that my request and cancellation had been received and processed. I am now concerned considering this person or group has my personal information and a signed agreement from me, not to mention my bank account information. If and when I do receive the funds ( which I declined and was given confirmation of declining ) I will then be on the hook for the interest of which I used as the basis to decline the loan ( the interest rates fall well out of fair lending guidelines and I am happy to provide the loan agreement paperwork and emails as proof should you need that to assess a fine to the company or motion to have it dissolved immediately ). Believe it or not I also have several personal contacts of whom I know firsthand are involved in predatory lending scams and Internet crimes and I would absolutely love them to be incarcerated for these crimes and removed from the ability to continue to commit acts against others. Im extremely tired of this ( excuse my language ) XXXX from these trash people too XXXX  to earn money like normal XXXX people and the fact that theyve singlehandedly perpetuated the ruin of my local not to mention National economy is so infuriating I can not even begin to fully express that in words. Thank you so very much for your time and attention and I look forward with extreme jubilation to dealing with the next XXXX thing that will come down the pipeline from the simply act of applying for a bogus predatory loan from some XXXX  ( yet hopefully sterile ) piece of human XXXX and will certainly my follow-up on this specific complaint as it applies to this specific situation should I receive finds or should this situation appear on my credit report at some point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: DE

Complaint narrative:
The debt is not mine. Im not sure if this company and I never borrowed anything involving this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently applied for a mortgage refinance with my bank. The bank ran my credit report with Experian. Experian then gave my info to another party who contacted me stating I pre-qualified for their mortgage products. This was all unsolicited by me. At this point, I am not sure what personal info of mine has been compromised.

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 2020-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company Ad Astra Recovery Services , Inc. is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I opened up a XXXX account a month or so ago. I opened two lines which should have been under one account. One account was created with the second number listed as a sub-account. I paid both bills and got the accounts fixed with XXXX. I received a statement from the account that was no longer in service as it was switched that had an overpayment of {$88.00} for account XXXX which was switched over to the main account. I called XXXX back and asked if that overpayment could be transferred to my main account to pay my current bill. They allowed that to happen. A few days later a get a text message from MRS BPO collection agency stating that I owed debt of {$88.00} on the account XXXX which was refunded to me. I contacted XXXX who stated I had not been turned into collections and that everything on my account was current. I answered a call from MRS BPO on XX/XX/2020 and told them that the debt was not legitimate and requested only to be contacted in writing and requested proof of the debt. They were also asking personal information about my XXXX account. I am still receiving text messages in regards to the debt which is not legitimate after making it known I only want to be contacted in writing. I called XXXX again today ( XX/XX/2020 ) and told them what was going on. They stated again there is no outstanding collection and that all accounts are current.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
National credit systems was deleted off of my XXXX  and XXXX   but not XXXX. They just updated it. This is a false collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: NY

Complaint narrative:
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 2020-03-14 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: NY

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received notice via my credit reporting monitoring service that IC Systems placed collections account on my credit in the amount of {$120.00}. I have not received any communication regarding this debt by mail or telephone. I immediately went and paid the balance in full. I am requesting that this collection be removed from my credit report immediately due to non-communication by IC systems and the fact I have paid the account off in full.

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 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: DE

Complaint narrative:
The debt is not mine. Im not sure if this company and I never borrowed anything involving this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company XXXX XXXX XXXX XXXX , XXXX is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Debt is not mine. I dont not have an account or have had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - Contacted XXXX XX/XX/XXXX prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Placed a order on XX/XX/2019. Never received the XXXX   delivery. The cc company gave me a refund for the amount. Later I had another charge that was the same amount of the XX/XX/2019 order. More than a month later I was called and told I was given a refund that appeared on the XXXX statement and the XXXX statement reflected that I returned the item to the store for a refund. The store return was for another a different purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/2020.  In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/2020, XX/XX/2020 and XX/XX/2020 remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on Equifax, XXXX  and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, Experian and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).

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 2020-03-14 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: NY

Complaint narrative:
The government has made it so that an individual can place credit freezes on your credit reports. XXXX  and XXXX  have allowed me to freeze my reports while Experian has not. Experian will not allow me to place a freeze on my account, and is requesting I send all my sensitive information together in a mail to them to request a freeze. This delays my ability to freeze and thaw my reports electronically when needed, and leaves all my information potentially vulnerable to anyone who might put hands on and or open the mail I send with all of my sensitive information. And when the mail gets to Experian, I have to hope whoever opens the mail, doesn't steal or leak my information. I'd much rather take my chances with electronic encryption. My only option is to pay them to lock my account. I feel Experian is failing to comply to Federal standards.

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 2020-03-14 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: NY

Complaint narrative:
Not items

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