vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I sent in XXXX some more information is The money was XXXX XXXX I won XXXX XXXX forced me to send XXXX XXXX of it to the IRS for taxes. I had to sign to do so or it would be seized. So I did do.the irs never received it. That left me XXXX XXXX to us bank on the other file # XXXX XXXX XXXX did start that XXXX file and did sue in the XXXX  case and sued Trump I believe with my tax money XXXX XXXX and no authority from me to use it. 

I

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 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I took out a high interest rate loan with the company XXXX XXXX in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from World Finance   claiming they purchased the contracts from XXXX  XXXX and I owed the debt to them. World Finance had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my XXXX XXXX accounts. 
I finally wanted World Finance to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed World Finance that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with XXXX. It appears to me from the language in that contract that my debt from XXXX XXXX was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them.

( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from XXXX XXXX as none of the correspondence from World FinancXXXX has an account number listed. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2019-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have no knowledge of this credit account Capital One Bank Usa opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: LA

Complaint narrative:
I have no knowledge of this credit account XXXX XXXX XXXX   XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: LA

Complaint narrative:
I have no knowledge of this credit account XXXX XXXX XXXX XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

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 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company : Citi Bank Issue : Citi Bank closed my checking account while I was signing up for the promotional bonus. Then near the promotion closing date, I got an email from Citibank to state that my Citibank Checking Offer was not fulfilled the Offer 's eligibility requirements for the following reason : Your checking account is closed and therefore not eligible for the offer. 

I would like to file a complain for unsavory business practice as Citi has purposely closed my account and has been Deceptive or at least misled me to believe that it was ok to put my money all in saving.

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 2019-05-10 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XX/XX/XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: FL

Complaint narrative:
On XX/XX/2018 i entered a store and apply to buy two twin beds to be finance. I was informed that i would have three months 0 % interest if i applied and qualify. The application fee was XXXX i got approved and decided to finance the beds. Which total {$560.00} including taxes. 
I signed up for automatic debit from my account for XXXX every month which they always took from my bank account with no problem. 
They told me about the interest i was going to pay if I didnt pay it in the 3 month period which was fine I totally understand and didnt mind paying interest in what i thought was owed which it was {$250.00} after the 3 payments that were automatically withdrawn from my account. Little did i know AND WAS NOT informed that i was going to be charged a 100 % FEE ( or more ) of whatever amount was due and other FEES that were not disclosed as soon as the 90 day PERIOD arrived. So when the 90 day was up my total balance was XXXX When i log in to check my account i see that the total balance due was XXXX which i didnt understand. 

I called West Creek Financial asking why is so much and thats when i was informed of so many fees which i was not aware and supposedly they gave me a discount if i paid the balance in full that same day of XX/XX/XXXX XXXX TOTAL PAID THAT DAY {$890.00} totally deceptive. Total scam. From a purchase that was supposed to be {$560.00} including taxes i ended up paying {$1200.00} with fees that i wasnt aware of. On top of everything else the bed has broken two times first time they came to fix it but didnt replace any parts. Now is broken again and i have to buy a new one because i know they will try to fix it again when in reality it needs to be completely replaced as i was told, i have one year warranty but they wont replaced it just fix it. This is a total ripoff towards people that work hard to earn every penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2018 I disputed 2 accounts with Equifax XXXX XXXX XXXX XXXX, XXXX XXXX and asked for validation of alleged debt. The agency wrote back that it was verified and didn't provide me with proper documentation of validation, On XX/XX/2018 I requested validation again to no response, on XX/XX/2018 I requested documents again to no response from the Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
Mailed entire complaint to FCPBureau tracking no. UspsXXXX. 
XX/XX/ from XXXX, ms.all 5 reports plus letters and more attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I transferred him money through XXXX. I used BOA, he used Bank of America. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes. So after a hour so I waited he never responds I was buying a cellphone XXXX I just would like my money refund onto my card

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 2019-05-10 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: LA

Complaint narrative:
I have no knowledge of the credit account XXXX XXXX, XXXX. opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.

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 2019-05-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Last year I had 2 incidents of identity theft resulting in hard inquiries from both XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX was XX/XX/XXXX, while XXXX was XX/XX/XXXX. I have worked with both companies and both have repeatedly sent information to Equifax to have the inquiries removed. Both have sent me letters, which I have sent to Equifax. When I have spoken with the companies I have been told it could take 90 days to have the inquiry removed. I have waited those 90 days 3 times without results from Equifax. My first contact with XXXX XXXX XXXX was on XX/XX/XXXX, again in XX/XX/XXXX, and again on XX/XX/XXXX. During my last contact with XXXX I was told they would escalate the matter and to wait 30 days. That was on XX/XX/XXXX, but the hard inquiry remains. I have twice disputed it personally with Equifax, with supporting letters from XXXX XXXX XXXX and XXXX. Equifax keeps responding they do not remove hard inquiries based on individual disputes. I have called Equifax with the same refusal for any resolution. I have also filed a police report regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
applied for a vehicle, and for some reason they seem to do more then what they told me. I have so many inquires on my report that it is ridiculous. I am trying to reestablish, my credit and they are not making it any better, I was mislead by these car dealers, They told me it will be a soft pull on a couple and it ended up being. this all started on XX/XX/2019 to XX/XX/2019 will not do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Merchant Adjustment Services sent a letter XX/XX/2018 for validation of alleged debt but the company did not send requested items instead sent a bill with documentation of XXXX being perform and XXXX XXXX  of the XXXX. I sent multiple letters thereafter requesting for validation of debt to no response. On XX/XX/2018 was my last letter requesting validation but as usual no response or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
I took out a high interest rate loan with the company Sun Loans in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from XXXX XXXX claiming they purchased the contracts from Sun Loans and I owed the debt to them. XXXX XXXX had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my Sun Loans accounts. 
I finally wanted XXXX XXXX to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed XXXX XXXX that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with Sunloans. It appears to me from the language in that contract that my debt from Sun Loans was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them. 
( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from Sun Loans as none of the correspondence from XXXX XXXX has an account number listed. )

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 2019-05-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
today I went to auto dealer they checked my credit on all three agencies. 
experian- XXXX XXXX XXXX and XXXX- XXXX but since experian was low FICO score they wanted to charge 7.9 % interest This is definetaly cheating ... ... ... ... Why can't we have all three credit bureaus some what similar FICO score. Since all lenders look at FICO

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 2019-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
My wife and I have been looking for a home as we will be first time buyers together for about two years now. We recently found a home that would suit us and the family we wish to have one day. With that said we heard good things about Quicken Loans and Rocket Mortgage. We made first contact on XX/XX/2019 and spoke with a few people until we came across the person to run your credit. As always the company running your credit gives you the talk about what theyre doing with it and they say we will do a ONE TIME credit pull. That is not the case. We recently went to another bank to be pre approved and were told no because Quicken Loans had ran our credit for a total of 13 times! We were listed for to many hard inquiries. My wife and I are frustrated that a company claiming to help first time buyers would do such a thing to a potential customer. My name is XXXX XXXX and my wife is XXXX XXXX. This is just wrong and unprofessional. We would like some action taken for this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Called Capital one on XX/XX/XXXXto inquire about a late payment reported without my knowledge or consent back in XX/XX/XXXX. I've just recently became aware that I was an authorized user for my mothers account. Mother was two months past due, instead of calling both people who are accredited to the account they only notified or tried to reach my mother. Reported me as being two months late without any notification. Would like these charges removed and would like to be notified in the future if the balance is past due so I can avoid this from happening again. Thank you so much in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
After my husband separated from the XXXX XXXX we struggled to friend a job in order to make consistent mortgage payments for a long time and eventually got behind. We started filing paperwork for hardship deferment so we didn't lose the house, but it's been a nightmare. 

Every person we speak to has a different set of requirements. They keep asking for something new. And we've been doing all this for months now because one person will tell us one thing then a couple of months later we have to do it again because that person told us the wrong thing.

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 2019-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I signed up for an XXXX XXXX card, serviced by Synchrony Bank. I elected to receive electronic statements, and did not see my XXXX statement -- I did not make any XXXX purchases so I had no reason to suspect I had a balance ( I paid off my XXXX balance in full ). The XXXX balance was because of the annual XXXX XXXX fee, certainly a valid charge. 

My complaint is about the electronic statement they sent for XXXX ( which did include new purchases ) and receive XX/XX/XXXX. ( see attached ). No where does it mention ( 1 ) that the account is past due, as of XX/XX/XXXX, and ( 2 ) ~ {$30.00} of the balance is because of late fees/interest charges. I only became aware the account was past due via email message on XX/XX/XXXX and by text message on XX/XX/XXXX. 

I find this incredibly deceptive. I do note however that customer service agreed to reverse the late fee and interest charges on XX/XX/XXXX after I complained their practices were deceptive.

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 2019-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my XXXX XXXX account I disputed 1 derogatory charge from a hospital on XX/XX/XXXX of this year with Equifax but instead of them disputing that 1 derogatory charge they messed up and disputed all 26 of my accounts that are in good standing and when I called to have this fixed because I dont want my accounts disputed or closed they said there's nothing they can do to fix it and on top of that it dropped my score by 10 points this needs to be fixed I worked very hard to get my credit cards and build my credit I'm honestly about to contact my attorney.

Company response to consumer: Closed with explanation