vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems
State: MT

Complaint narrative:
I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called XXXX  and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX in XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX XXXX XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: GA

Complaint narrative:
My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.

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 2020-06-07 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: CA

Complaint narrative:
My full legal name only consist of one first name and one last name. I do not have now, nor have I ever had a middle name or initial. 

1. XXXX  reports that I have the middle initial of " M ''. This is incorrect and is not my name. 

1. Equifax reports that I have the middle initial of " S ''. This is incorrect and is not my name. 

1. Equifax also reports that I have a former first name as " XXXX ''. This is incorrect and is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: NV

Complaint narrative:
Equifax froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. EQUIFAX GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined Equifax XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called Transunion and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX Hello XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call 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 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: WI

Complaint narrative:
Card showed up three weeks ago XXXX XXXX XXXX XXXX XXXX With my name on 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 2020-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX  froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. XXXX  GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined XXXX  XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!

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 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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, violated my 609 rights by reporting incorrect information to my Transunion credit profile for others to see.They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer rights.

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 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to use XXXX  with PNC. PNC blocks XXXX  from linking my account. I am now looking at switching to a different bank. Something so simple shouldn't be this hard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rainier Collection Services, Inc.
State: WA

Complaint narrative:
I paid a medical Debt off in full that went to collections on XX/XX/2020. When I paid the debt the agent told me it would process in 30 days and reflect on my credit as such. I waited until XX/XX/XXXX to contract them again and at that time they informed me that they wouldnt be reporting recent payoff and when I asked for a manager I was hung up on. I want the account closed on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Tried to link my bank account to a service that creates virtual cards for online purchases, to protect the security of the actual card. My bank, PNC, will not allow my account to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/2020, On Paypal, {$54.00} was sent to XXXX XXXX, XXXX I did not authorize this transaction and they won't return my money. Paypal hasn't offered the option of " reporting an issue. '' I decided to come to this site because paypal gave in a small description that the Consumer Financial Protection Bureau helps with issues such as these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
On XX/XX/2020. I took steps to try and re-pay old debts on my credit history. I was trying to do the right thing and repair past medical bills. I contacted the debt company " Miramed '' Group. I actually had my report in front of me. Right from the start, the amounts they had did not match with mine. I questioned this many times. I kept being told that it all added up to the same amount. I did the math and noticed it did not. I still offered to pay a large amount if I could get verification that the 4 separate accounts would be updated. They stated that they would be re-done into one acct. Showing the amount paid and that I was current. I still was not feeling great about the situation. But, with this being my very first conversation with a debt collector and not educated about my rights and what they are allowed to do and not do. I continued on. I did state over and over I did not like or understand how the amounts they had did not even match to one of the amounts on my credit report. Once I decided I was going to pay in good faith. As soon as I stated this. That I would pay as long as it would be updated on my report. The woman IMMEDIATELY started saying just so you know all calls are recorded. And can be used in legal litigation. After this i was placed on hold. When the hold was lifted the woman I was speaking to said she was going to transfer me to her supervisor to complete transaction. When I got on with " supervisor '' the woman asked me how much I could pay? The total amount they had was around {$2300.00} if I rember correctly. Where my reports showed around {$1500.00}. Being still weary of this, I said I would pay {$600.00}. The supervisor then swayed me into paying {$730.00}. She said that this would take care of 3 of the accts. And she could then just make the rest to one acct. With a current paid status. I paid {$730.00}. Since then, NOTHING has changed on my reports. Not the balances or number of derogatory accts. ( 4 ) from Miramed group. I want to know what happened to the money I paid. Why did nothing change. Is this not theft??? Or at the least, misinformation by predatory tactics? I tried to do the right thing and all that happened was I lost {$730.00}. As if I tossed it out the window. I am trying to correct these pasts to try and build up my credit to buy a home for my wife and XXXX  children. This company should not be allowed to operate with such tactics and dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I had an escrow account with Stearns Lending. They failed to pay my property taxes on time, then sold my loan to XXXX XXXX. I still have a delinquent tax notice, I still had to pay out of pocket, and my escrow account still has plenty of money for all of this.

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC prevents me from using XXXX because they want me to use their money transfer app, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: GA

Complaint narrative:
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 violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. 
Equifax further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
i dont know how someone got my information but there is erroneous information on my credit profile

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 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Said my bank made a change to my account in verification. I need a loan and to go through the auto verification and now it is postponed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/2020 a timeshare company opened up a credit card under Comenity Capital Bank for {$5900.00} to pay off the timeshare. There has been some discrepancy with the transaction during the selling process where in a promised service was not delivered. Although it was not mentioned on the contract signed, I have provided a sheet where the agent stated said service as well as an e-mail conversation. I file a dispute on XX/XX/2020 and received a response around XX/XX/2020 saying it was rejected. I filed another dispute on XX/XX/2020 and just confirmed today XX/XX/2020 and it has been rejected as well. I have provided enough proof that the transaction was deceiving and aggressive and yet the company refuses to dispute the charge. I have also informed them that a separate complaint has been filed against the Timeshare Company through the XXXX Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: GA

Complaint narrative:
XXXX/XXXX/XXXX  # XXXX, XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , violated my 609 rights by reporting incorrect information to Experian regarding my credit file. 
Experian further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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 2020-06-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i dont know how someone got my information but there is erroneous information on my credit profile

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