vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX called one of my references. And disclosed when my payment was due and the amount of my loan and payment. As I understand it all they can say to a reference is please have me call. Actually quoted the loan amount and that my payment of {$86.00} and that it was Due XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: NY

Complaint narrative:
I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with experian credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with experian 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Precise Financial Group, LLC

Complaint narrative:
I need help in terms of XXXX because I have XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, Chase JP Morgan decided to close my account due to reason they " could not maintain my account due to frequent thefts ''. However, they did not send me a cashier check for my balance of {$78000.00}. I went to a branch and they said my account was restricted and could not issue me a check for my balance. I called the back office and they said the same, saying it would take time for them to " review '' my account before releasing me any of my money.

This is my money and I need money for everyday spending. THey can not just keep the money and block my card and not releasing me any cash and tell me to wait forever. THat is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: NJ

Complaint narrative:
My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/XXXX. Real Time Resolutions ( RTR ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. RTR Claims that they are servicing the debt for XXXX XXXX XXXX ( XXXX XXXX XXXX ) since XX/XX/XXXX. However, the servicing agreement between XXXX XXXX XXXX and RTR was executed on XX/XX/XXXX. Regardless, both XXXX XXXX XXXX  and RTR claim to be collecting on the  alleged debt owed. I have contacted both RTR and XXXX XXXX XXXX on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both RTR and XXXX XXXX XXXX. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. 

Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither RTR nor XXXX XXXX XXXX filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both RTR and XXXX XXXX XXXX, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. RTR and XXXX XXXX XXXX are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: MI

Complaint narrative:
I have XXXX different issues. 

The first issue is with XXXX credit card, back in like late XXXX or XXXX of last year, I thought I was helping what I was lead to believe was my girlfriend online, however after this young woman told me she would pay me back and pay the card online herself, all of her funds where returned and I was left with this big debt because of her. I didn't know before it was too late that it was what was called the girlfriend scam, needless to say I asked XXXX card if they could help me and they refused to help me. 

Problem two which is different from the first one, I had a Chase Freedom credit card which was not yet maxed out but I was working really hard towards paying down the balance up until I was talking with a woman on a social media website & I agreed to go into business with her with a XXXX   opportunity, mind you nothing really could be charged to much on the Chase freedom card and once I opened this XXXX website this woman managed to have her friend pay off the balance and asked me to go to different stores and buy gift cards in order to buy more XXXX.. I was at first not going to do it but wasn't thinking much about it and after I did just that I didn't get any calls/text 's or email 's and or phone calls asking me what was going on and Chase didn't do anything to decline purchases or help me out, they looked into the matter three different times and I even filled a report with the FBI online website, however nothing was done to help me out, but instead now my balance is over {$5000.00} dollars before of this & it was just starting to head down towards {$2000.00} dollars. Needless to say I am looking at filing bankruptcy because of this. I really do not want to do that either and I am deeply saddened by this whole thing more so that Chase credit card didn't do anything to protect me and even after I asked them why they never turned anything down or anything like that I got no where at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: MO

Complaint narrative:
I asked XXXX XXXX to cancel my membership in XX/XX/2018 they said they can not because I had a loan with them. Months go by a payments I do not want to a service with no real features. Fast forward to the beginning of XX/XX/XXXX I am having financial difficulty and will have to make payments at another time and I recind or cancel any authorization I gave in the past To my bank account and asked to cancel my membership again and they refused to do either. I dispute the charges with my bank and they reversed them but they will not stop trying to debit the money from my account without my. authorization. Last week they hit me again for around {$40.00} and I had to go a full week without my medicine well I disputed it with my bank. When you are not behind on your payments money lien allows you to get XXXX dollar back a day through their app of the membership fee to be put in an Investment account But does not allow you to access the account and if you do not current on your loan all the money for the membership goes into money Moneylions Pocket essentially making you pay {$50.00} every two weeks with only XXXX of that going towards your loan. I have around {$150.00} in that account that could be going towards my loan that money lion will not allow

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: FL

Complaint narrative:
This company in their response still did not specify exactly who the vendor is they use to verify the public record on my credit profile. they refer to this vendor as " the public record vendor '', again for the fifth time, who is the public record vendor? they could be inaccurate in their reporting. If you can not provide the exact name of the vendor please remove.

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 2019-03-06 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: Trident Asset Management, L.L.C.
State: DE

Complaint narrative:
This issue pertains to only my XXXX  credit report, not showing on XXXX  or XXXX. 

Showing a balance due of {$100.00} due to " Cable or Cellular '' as noted on the Creditor Classification line. States date opened of XX/XX/XXXX and date closed of XX/XX/XXXX. Under " Account Status '' is listed " Collection. '' I strongly DISPUTE this item, as every and all other accounts on all three credit reports show no delinquent or collection accounts. Also, it's vague, as it does not identify the company by name that I supposedly owe this amount to. It does identify Trident Asset Management, LLC in XXXX, GA as the " Contact '' on the XXXX report. 

Just became aware of this issue upon recently requesting my credit reports. 

I called the company, Trident Asset Management, to inquire about the item. The item is for " XXXX XXXX '' ( different social security # than mine ) for an account opened in XX/XX/XXXX in Washington, D.C. I have never lived in Washington, D.C., and, since I was XXXX years old in XX/XX/XXXX, I would not have opened an account. Erroneous addresses for Washington, D.C. are  listed on my credit reports and I am in the process of having them removed. 

I would greatly appreciate any help you could give me, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX I  am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please  remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/2016. XXXX XXXX XXXX ( XXXX ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. XXXX Claims that they are servicing the debt for Bank of America ( B of A ) since XXXX. However, the servicing agreement between B of A and XXXX was executed on XXXX. Regardless, both B of A and XXXX claim to be collecting on the alleged debt owed. I have contacted both XXXX and B of A on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both XXXX and B of A. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. 

Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither XXXX nor B of A filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both XXXX and B of A, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. XXXX and B or A are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or 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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I got a MasterCard Credit Card when I moved from Illinois to Kentucky. I got it through SEARS.It was XXXX percent interest. I have not used it for the last 17 months. They told me I had to use it before XX/XX/19.If I  did not use it by then they would drop my credit limit from XXXX XXXX down to XXXX XXXX. This will effect my credit score. If I cancel it it will change my score, if they lower it, the same thing will happen. To me this is BULLING to make me use the card. I am a XXXX XXXX XXXX. I call this BULLING by CITIGROUP BANK. I can not understand how these BANKS can do this stuff to people.I think it is forcing me to use this card, when I do not want to or afford to. CITIGROUP BANK called me, after I put in a complaint the phone # XXXX XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX They did not solve anything. 

XXXX XXXX XXXX, Ky.

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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have several accounts with Bank of America, I have a business account that I have not used for the last 2 years and due to the amounts I have in my personal and business, I was told I would not be charged a monthly fee. This has been untrue, bank XXXX XXXX, has been, charging me {$22.00} a month for the last 2 years and I want my fees back, since I have maintenance the amount in my personal and business accounts combined. Did not notice the fee coming out, because I do not use this 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 monetary relief
Consumer complaint received 2019-03-06 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: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.

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 2019-03-06 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Services are not deleting the negatives out of my credit report as on XX/XX/2019.

On XX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019 on  conversation with 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