vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
The company increased my contract interest rate after they had reduced the rate. The loan was offered as interest only when I requested principal and interest payments. The loan has been repaid 3 times over in interest payments. Now the company is harassing me and harassing family and friends after I have repeatedly asked them according to the fair debt collection act to not contact family and friends and harass them. I have asked them to stop harassing me and that this loan was paid back in interest 3 times over. This is usury and excessive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: ID

Complaint narrative:
Ive spoken to An agent with NCB Management 3 or more times. Ive made arrangements to pay the debt once a month until the balance is paid in full. I made a payment at the beginning of XXXX. The agent called me at the end of XXXX to tell me that my account is on non-payment status. How can my account be in non-payment status when I just made a payment? I told her I get paid once a month, and will pay the balance down monthly until the balance is paid in full. There really is no need for her to keep contacting me. All of our conversations are redundant ; there is nothing we can talk about on the next call that we havent talked about on the last few calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/2018, approved for a home equity cash out loan with Quicken loan ( Rocket mortgage ) Our property consist of 15 lots which was purchased in 3 separate parcels. The loan officer was informed that we only wanted to use the parcel that included the home for the cash out collateral. We were informed that we need to separate the parcels into separate accounts in order for this to be done. The parcels were separated into 2 different accounts at the county appraisal district. Property id # XXXX was for requested property ( address XXXX XXXX XXXX lots XXXX ) copy of account detail is attached. Property id XXXX is for the remain lots ( XXXX ) with address of just XXXX XXXX ( copy of account detail is attached. The appraisal ( copy attached ) was done only on property id XXXX and did not include property id XXXX. Quicken loan has attached a lien on both parcels ad will not release the lots not included in the appraised value. The parcel ( # XXXX ) appraised is what our loan was based on and not the other combined parcel which also has a lien. This greatly affected our LTV & rate I have requested that they make all the disclosures available on our dashboard for further review ; as they changed the disclosures more than once or twice. I combined the accounts back together in XXXX of this year. If Quicken loan 's policy was not to split the parcels, why did they not have the appraisal done on the both parcels. They ordered the appraisal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
I WAS CONTACTED BY THIS COMPANY CREATIVE VACATION SOLUTIONS TO PERFORM A SERVICE FOR ME I PAID THEM ON XX/XX/2010 XXXX AND NEVER HEARD FROM THEM AGAIN AND THEY DID NOTHING FOR ME. I CALLED CHASE VISA AND REPORTED THAT THIS COMPANY WAS A FRAUD AND THE CREDIT CARD COMPANY DID NOTHING. THEY SHOULD BACK ME AS THERE CLIENT AND THEY DID NOT. I WANT MY MONEY BACK IT SHOULD NOT MATTER WHEN THE TRANSACTION WAS DONE THEY SHOULD CREDIT MY ACCOUNT AT ANY TIME. PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I called the debt collection agency ( Professional Collections Bureau of Maryland ) on XX/XX/XXXX to make an offer to settle my debt. I gave them my available hours and asked them not to call me during work. I attempted to contact them and negotiate on XX/XX/XXXX, XXXX, and XXXX I did not receive a counter offer or payment options at any of these days. On XX/XX/XXXX the agency attempted to call me during my work hours. On XX/XX/XXXX I returned the call in order let the agency know that they called during my work when I had requested that they do not call and tell them when I would call them again. Later on XX/XX/XXXX the agency again attempted to call me during my work hours. Today, XX/XX/XXXX I called the agency again and received the first counter offer which was greater than the initial borrowed amount. I called a second time on XX/XX/XXXX to discuss a payment plan during this conversation they discussed the additional fees that they would charge during this process and refuse to give me an acceptable minimum regular payment without information on my income ( My current contract of employment expires this month and I do not have regular income going forward ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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:
XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
They would call repeatedly and not say a word. Then they called me once cursing and using offensive language. I told them you have the wrong number and they dont care, they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I need to file a complaint On Transunion on XX/XX/2019 they sent out a credit report stating that XXXX XXXX was a charge off I spoke with Transunion via Phone this account is Not closed. Transunion what you did the the XXXX  account I have no Trust or faith in your company what so ever to make sure I'm getting the right information from your company I'm exercising my rights under the under the FCRA 609 ACT before you get started cut the XXXX XXXX you are not req that XXXX XXXX the FCRA states when a consumer ask for this information you must provide it cause you lie and commit fraud XXXX REPORT ON XX/XX/19 AND YOURS ON XX/XX/19 WHERE THE XXXX YOU GET A CHARGE OFF FROM???? 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and include the credit application that was used to open this account with my sign signature attached

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 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sirs : I've just submitted an application and I called 4 times to the BBVA Compass Customer Service Department XXXX Application Ref. NumberXXXX and the customer service employees didn't have the tools to manage this type of call. 

The decission says : Potential Fraud Risk Indicators - when a decission like this was made, the call is supposed to be transferred to the Fraud Applications Department and they supposed to have the tools to solve this issue. It wasn't declined because of my credit report, it was declined related to a supposed fraud issue. Why the associate didn't verified my application and gave me a reason without any info from me? This bank have a prejudice against me? 

Whats happening with your Customer Service Reps? They have to be rude to the new customers? Thats the image of BBVA Compass Bank? 

If I have the reason, why you dont have the correct tools to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.

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 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Check Resolution Inc.
State: IL

Complaint narrative:
NCR failed to provide ANY written notice. They only threatened myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has charged me over {$200.00} in international fees. These fees were not from an international purchase but through an American exchange ( XXXX ). I have spent hours upon hours dealing with this issue without resolve. The bank keeps on sending me back to the vendor. Please help!

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 2019-05-30 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
OneMain Financial, The Law Office of OneMain Holdings , Inc., OneMain Holdings, XXXX XXXX, or one of it's affiliates have received certified well-documented mailings for Validation, Non-Response, Cease and Desist requests. Each request has been ignored and as a result the account remains on my credit file. 

I have included one of the letters in the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
I WAS CONTACTED BY THIS COMPANY XXXX XXXX TO PERFORM A SERVICE FOR ME AND I PAID THEM XXXX ON XX/XX/2010 AND NEVER HEARD FROM THEM SINCE. I WOULD LIKE TO GET MY MONEY BACK. I CALLED CHASE VISA CREDIT CARD TO REPORT THIS FRAUD TO THEM AND THEY DID NOTHING. PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Issues re : Comenity J Crew Credit Card -does not allow for recurring auto-pay -has a website that is not user friendly so that it is difficult to see whether a payment has gone through -charges exorbitant late fees -continues to send letters and information to the account holder even when the account has been closed. 

It took me a while to figure out that this company is the only credit card company that does not allow for recurring auto-payments. This is just another way for a large company to squeeze extra money out of unknowing consumers. I am very responsible with my cards and make sure every payment goes in on time. Somehow, despite going into my online account every month to submit manual payments, though, some months did not seem to go through and then I'd be hit with the late fee and a financing charge. There are many additional complaints about these kinds of issues that corroborate this report. I closed the account on XX/XX/XXXX of 2019 because of their unethical business practices around payment submission and late fees, and I just today received a new notice that the account now will assess even higher late fees. My account is closed and I want no further contact from this corrupt company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
Company failed after several written request to provide validation of alleged debt. The opening dates are reporting as two separate dates on my cedit file which are innacuate. Under the Fair Credit Reporting Act if they fail to validate in a timley manner they must delete and remove. They failed to communicate after numerous written notifications were sent out. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion XX/XX/2019 I got a copy of a updated credit report on XXXX account XXXX you claim that the account was verified as accurate. But however the status update date didn't change prior accounts Like XXXX you committed Fraud I do not trust your company so If you don't mind sending me the time and date that you sent this off via XXXX XXXX system what time and date did XXXX reply to you via XXXX XXXX I need Physical Proof. also I'm exercising my rights under THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and PLEASE include a copy of the original contract with my signature attached as you may have committed fraud on this as well!

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 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have sent in copies of police reports and FTC reports. Stating and proving I was a victim of fraud. The account was opened in my name using my social and drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section XXXX09 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX   XXXX XXXX BAL {$2600.00}, XXXX XXXX BAL {$750.00}, XXXX XXXX XXXX BAL ; {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I was hired by a company on Tuesday XX/XX/2019contingent on my background check screening. My background check was completed on Friday XXXX19. My start date was Tuesday XX/XX/XXXX. I was in orientation until about XXXX when I was then pulled out of conference room by Human Resources. I was sent to the Director of HR 's office and was told by the Director of Human Resources that the company  had to Part ways with me and was handed a check for the day. I then asked why I was being fired and the Director stated my background check reflects I have 4 previous XXXX 's, which is False. I do NOT have 4 XXXX 's. The report is incorrect and I told her that and I also asked why they are telling me this now when the report was completed on Friday as I got an email stating the report was completed. She stated that she wasn't there on Friday to retrieve the report and then she showed me the report and I told her that the information reporting on the background check report was incorrect. She didn't give me a chance to explain or prove myself, instead I was escorted out by HR. It was humiliating and embarrassing beyond words. When I got home I went online and obtained a Driving Record report from the CA DMV 's website along with proof that I am XXXX XXXX XXXX  Approved and I explained to her that I had to interview with XXXX and was finger printed and their background check is ran through the FBI 's database and that I was cleared and approved. I then emailed my supporting documentation to the Director of Human Resources and told her she made a mistake on reading the report and not giving me a chance to explain myself. I also texted message the hiring manager letting her know what happened because I really liked her and was excited to work there. The next day on XXXX19 the hiring manager messaged me back stating that she would talk to the Director to bring me back on board.That morning the Director of HR left me a voicemail stating she wanted to bring me back on board, but at that point I was so humiliated that I was not going to go back. I feel like I wasn't given the opportunity to prove myself at all. Her mind was made up as she had my check printed out already. I feel I was treated very unfair and was profiled and humiliated on my first day of employment.

Company response to consumer: Closed with explanation