vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I was contacted via postal mail to apply for an installment loan. I was approved for a loan of {$500.00}. I was told at first that only 8 installment payments of {$130.00} would be withdrawn from my bank. I've already paid 7 payments but according to them I still owe over {$400.00} and when I went to see the payment history only tiny payments are going toward the principal and larger payments towards finance fees ( It looks ridiculous ) i took a screenshot to provide you for evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID XXXX XXXX AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, XXXX and Transunion. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. 


I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.

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 2018-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
EXETER FINANCIAL HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID EXETER FINANCIAL AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: UT

Complaint narrative:
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.

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 2018-10-19 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: UT

Complaint narrative:
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
SYNBC/JCP Opened in XXXX, sold to another company XXXX. 

I have disputed this directly with SYNBC/JCP as it is beyond the legal time frame and also they have never provided me proof that the debt was actually even mine. According to section 609 of  the FCRA and backed by the the credit bureaus are required to send copy 's of the original documents, which I've never received. The information they are reporting is outdated and can not and has not been verified. 
I have since been in process of buying a home and thought easiest was to get it removed was to just pay it off. I paid it to XXXX XX/XX/XXXX and got it deleted directly with XXXX  XX/XX/XXXX, but I am still having an issue getting the original creditor to delete it from all 3 CBR. I am not reaching out to CFPB for any help possible in this matter. PLEASE HELP ME.

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 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
To whom it may concern : In the beginning of the month of XX/XX/XXXX, I received in the mail a manila envelope marked priority mail 2 day with 5 personal money order checks Citibank logo. The amount was for {$850.00} each check. The checks were marked XX/XX/2018. I brought them down to my bank at XXXXXXXX XXXX, spoke to the bank manager who verified that the checks were real, said it would take 24 hours after depositing the checks into my checking account to clear, then I would be able to withdraw, having the balance in the account. I waited. After the 24 hours, I withdrew XXXX of the money to start paying off bills, doing groceries and gas. On XX/XX/2018, I received a letter from my bank, dated XX/XX/2018, stating that they were taking back the 5 check amounts of {$850.00} each. I called the customer service number, that is 24 hour help, spoke to a representative who said that what was showing was that Citibank was now saying that they were not going to cash the checks. 
On Monday, XX/XX/2018, I called the Citibank customer service number. The gentleman I spoke with could not verify why without speaking to the person who sent the checks. All I had to go on was the name on the envelope. ( I have included pictures as well of the 5 checks with the envelope. Also the letter from my bank with copies of the checks ).

Right now, my account is negative almost {$3900.00} because of this. ( Please refer to picture included ). I am on a very limited income and can not afford this. 
On XX/XX/2018, I have received another 5 checks in a manila envelope, in the same amount just with different person and address on the envelope. ( Please refer to included pictures ). 
On closer look to the checks from both times, everything is the same. 
Please help me what to do about the negative almost {$3900.00}.

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 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2018 my employer made a real-time transfer through XXXX of {$600.00} into my personal checking account at XXXX XXXX. XXXX XXXX did not credit the deposit until the next day ( XX/XX/2018 ). It caused my account to be overdrawn and checks returned unpaid. They charged me {$72.00} in overdraft fees. Their response was that any deposits made after XXXX XXXX would not be honored until the next day ... .even cash. This is outrageous! The transfer is in REAL-TIME as if it were cash. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, the auto loan borrower, received the aforementioned vehicle from XXXX and an auto loan from XXXX XXXX XXXX, now known as Bridgecrest Acceptance Corporation, with the following conditions : Vehicle Sales Price : {$13000.00} Annual Percentage Rate : 20 % Finance Charge : {$6600.00} Amount Financed : {$13000.00} Total of Payments : {$20000.00} Down Payment : {$1200.00} Total Sale Price : {$21000.00} Terms of repayment : Number of Payments : 109 plus 1 Final Payment Amount of Each Payment : {$180.00} Bi-Weekly Beginning XX/XX/XXXX Amount of Final Payment : {$180.00} on XX/XX/XXXX Please see attached .pdf document for full description of issue ( s ) concerning : ACCOUNT # XXXX VEHICLE DESCRIPTION : XXXX XXXX XXXX XXXX VIN # XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, Experian, XXXX  and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately.

I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.

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 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I filed for bankruptcy in XXXX and all my debts were discharged in XXXX. The property at XXXX XXXX XXXX, XXXX XXXX, IN. XXXX was not reaffirmed during this process. I have continued to pay the property taxes and maintain the home. I discussed with loan officer # XXXX and he explained to me that the mortgage was written-off by the mortgage company Ocwen over a year and half ago. I requested the documentation that supports that this lien has been satisfied through the write-off process. To date I have not received the documentation. I started asking about this over a month ago and i got no where. 

Loan number is XXXX The loan officer 's number is XXXX. He stated that he would contact me with updates had not received a return to call so I called back myself and still got nowhere in the process. I need assistance to clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, Equifax and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TX

Complaint narrative:
I have been submitting numerous documents to Experian that a collection account on my credit is not mines everytime I talk to a rep they keep telling me it was reported to a collection agency who got the information from XXXX XXXX I keep saying my account is paid in full and supplying documents but Experian keep updating the record saying it's accurate XXXX XXXX have my status as paying in full also I called XXXX XXXX  and they can not bring up an account for me and they are giving me the run around saying someone will research and get back to me but no one return my calls I paid XXXX XXXX in full last year in XXXX or XXXX but this collection was posted XX/XX/2018 please see attached documents and I demand immediately removal of this account it has damaged my credit

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am on both the national credit card offer opt-out list and the junk mail opt-out list. I moved in XXXX, 2017 and since then I have been getting repeating credit card offers from Capital One. I contacted them via social media and they provided a procedure for stopping the offers which I completed. Yet, the credit card offers from Capital One have continued non-stop. I repeated my contacts and they just keep referring me to their opt-out procedure. It would be foolish to keep doing it over and over without results. 

Several years ago, I had to contact this agency for the same reason and regarding the same company, Capital One. At that time, your intervention stopped the offers. Apparently moving to a new address gives them license to begin the incessant offers all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: TX

Complaint narrative:
On XX/XX/2018 the company XXXX XXXX called and left a voicemail that was quite disturbing, I have the voice to text and this message was left for me " This is a final courtesy call from the XXXX XXXX XXXX. Before reporting that you've been uncooperative and investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day. '' I admit I never answered the phone from the them because I do not answer random calls from random numbers, but I have read many complaints from the XXXX on their practice and feel them using jurisdiction, law etc is out of practice and is a scare method to make people call them. I'm truly not interested in speaking with them and would like for XXXX issue to be forwarded back to the original debtor for resolution for this company using a scare method is not my how I want to handle this issue.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Send money through Western Union on theXX/XX/XXXX to pay a bill but the company sent it back through Western Union and there were supposed to give me my money back that I paid the company in the amount of XXXX. It was settled on the XX/XX/XXXX and I was supposed to receive my money on the XX/XX/XXXXXXXX. Company refuses to give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I opened a small business loan through Wells Fargo. When I was approved the banker stated that I was approved for a credit card as well. The banker stated that there was a promotion going on spend {$5000.00} in 3 months and get {$500.00} cash back and receive your cash back in 12 weeks. I fulfilled the offer within 3 months with over {$6000.00} spent. After not receiving my money as promised I made a call to the credit card department. The representative I spoke to stated to me that I would receive my money in 3 to 5 days. I did not receive it so I made another call the representative I spoke to said that the previous representative was misinformed and I would not receive my {$500.00} cash back from Wells Fargo for 45 to 60 days. I then made a call to the banker that opened this credit card for me and he made a call to the Wells Fargo credit card company and they stated to him that they would be paying me my {$500.00} cash back within 3 to 5 business days. Again, it did not happen. I then made another call to the banker and he stated he called the credit card company again and the person that he spoke to was misinformed and told him that I would not receive my money for at least 45 days. I need a call to corporate and made an official Complaint about this and never received a phone call back so I called back to corporate and they stated to me that I would not receive my money until XXXX of XXXX. I since then have contacted the local news and the Federal Reserve Department. My banker made a call to me and he stated to me that Wells Fargo said that he was not allowed to discuss this with me any further. Shortly after that conversation in executive from Wells Fargo contacted me and told me that they were working on it it was going to take some time. What time is there to take Wells Fargo offer and they did not fulfill their offer I am getting the runaround from Wells Fargo I'm thinking this is why they have a bad name in this banking business. Just trying to get my money and they are not fulfilling this offer that I have in clear writing.

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
We had an account with American express and was in a good relationship with them, however, as of XX/XX/18 monthly minimum payment has increases from $ XXXX-XXXX a month to almost {$300.00} and this after a request to inquiry in why monthly payment was so high and to adjust or correct. 

I have gotten no response and would like to inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On or about XXXX I did open a credit account with XXXX XXXX XXXX and the credit limit was around about {$500.00} I did maintain this account up until XXXX, XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named Portfolio Recovery Associates.

Company response to consumer: Closed with explanation