vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I informed them that I am unable to pay back the amount at the moment and I can no longer receive personal calls at my place of employment and they continue to call me at work and are jeopardizing my employment. On XX/XX/2019 at XXXX XXXX  they called my place of employment and asked to speak to my immediate supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I reached out to JC Penny several time to let them know that a credit card was put in my name. The response I got from JC Penny was that XXXX   verify that it was mines. I tried to explain to Jc Penny that it was not me and to file a complaint. I also sent in several letters to XXXX  and made tones of calls. XXXX  stated I need to file a police report, which I did and the police stated there is noting they can do. I reached back out to XXXX   stating I file a police report, but the police stated they can't do anything. I had a fraud alert place on XXXX, XXXX  and XXXX. I noticed the fraudulent in XX/XX/XXXX when I pulled my credit report. I sent over letter to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also called. Both JcPenny and XXXX refuse to remove the debt. 

Amount {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from capital one XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX  XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: FACTUAL DATA CORP.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, Factual Data XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial
State: ID

Complaint narrative:
I contacted this company on XX/XX/2018 to find out how to pay my loan off early. They responded that I had scheduled a payoff for XX/XX/2018 for {$330.00}. I never scheduled that. I asked about paying if off sooner, but they said it takes 2 business days to process it and never got answers to my questions. 

On XX/XX/2018 I sent them a ACH revocation letter. I never scheduled that payoff and could not afford it coming out of my bank. I sent it 2 business days before my payment. Right in the window of time they said it takes to process account changes. They didn't acknowledge it until XX/XX/XXXX, when they told me that they had received it, but just didn't process it. They acknowledged the letter and said no further debits would be made on my account. 

On XX/XX/2018 they still debited {$100.00} from my bank after the letter. Instead of fixing their wrong all I have gotten from them is intimidation. I have been reminded of my " legal '' obligations to pay them. They refer to an agreement that I can not go back to read again because they never gave me a copy of what I signed and do not provide any account information online. I can not look up my balance, payment schedule, or any paperwork.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/XXXX my bank mailed a cashier 's check to Home Depot. The cashier 's check had the last four digits of my account number and they included a copy of my statement. This cashier 's check was cashed on or around the XX/XX/XXXX. This check was for the Full account balance. This has yet to be applied to my account. My bank sent me the front and back copy showing it was cashed. I opened a dispute to get this payment found and applied. To date, this payment still hasn't been applied to my account. Now, they are charging late fees and calling harassing me that I'm late. This check was cashed by them and I called them to find this check and filed a dispute 10 days at least before a minimum payment was due. My minimum paymenta are due the XX/XX/XXXX so they had the check and cashed it Way before my payment was due. When I call, I get the run around that they are still missing something and yet another department says they received the notice from my bank that the check belongs to 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 monetary relief
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I applied with this company for a refi and the appraisal process took very long because their XXXX made major mistakes. I initially received a commitment letter with just a couple of conditions which I was fine with sending. After the appraisal issue was resolved and I agreed to pay down the mortgage to meet their requirements I received another request for information that I couldn't provide without sending information I knew would not be accurate. There was no exchange or any additional documentation I gave them after the original request but they required information beyond the initial approval. Then they told me I would have to pay thousands in rate extension fees. I specifically told the originator NOT to extend my rate because rates had gone down. I wanted to let the rate expire and relock, not at the lower rate now available but at the same rate without the thousands in fees. I was told I could either pay the fees or my loan would be terminated. I simply asked they release the appraisal I had payed for to go to a different lender to avoid the fees or honor our original agreement and I would close at the higher rate. They refused both. I have been a XXXX for 23 years and have never seen this policy. It became evident it was a some type of " bait and switch '' based on a rate they never intended to honor. This is clearly a company praying on consumers who really know no better than to be baited in by their iitail quote but then pay the fees they require or they will terminate the process. I simply asked to have them release the appraisal and I would move on but they refused. Companies like this are a detriment to our industry and cause consumers harm. How many people agree to pay their additional fees that are not disclosed because they do not have the knowledge I do with my industry experience. If they simply allowed me to take my appraisal to another lender or honor the current higher than market rate I would have moved forward. In my opinion these internet based companies are a detriment to honest lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: NY

Complaint narrative:
They US Bank is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in XX/XX/2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 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: CURO Intermediate Holdings
State: WI

Complaint narrative:
I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
No category you provided covers my experience with AMEX Bluebird card. I received an email from them with no explanation other than the following. Earlier they tried to remove auto withdrawal that I had set up TWICE and told me to dispute the second one which I did. Now my account is closed and they are refusing to communicate about it or give any explanation. I believe they are doing this to others as well and need to be investigated. I have no way to see what has happened. I had not used the card recently. They refuse to communicate over the phone. I didn't do anything.

Here is the email I received : During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and

pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to
us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: FL

Complaint narrative:
I have tried on 2 other occasions to get Experian to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: HI

Complaint narrative:
Plaza Home Mortgage company sold my loan and did not notify me of the event, I have auto pay and been watching my bank account and I noticed no payment, I called them and at that time I was told that my loan was sold to another company without any notice sent to me, XXXX XXXX was the new company I was told. My complaint is why is there no personal contact informing of such transactions, If I wasnt watching my bank account I would never of known about the transfer/sale of my mortgage

Company response to consumer: Closed with explanation