vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 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: Security Credit Services, LLC
State: TN

Complaint narrative:
I reached out to Security Credit Services with an offer to settle my account for {$640.00} if in return they would delete the collection from all credit reports ( bureaus ). I received a letter dated XX/XX/XXXX stating that they accepted my offer. On XX/XX/XXXX I paid the {$640.00} dollars to XXXX XXXX as instructed in the letter. It is now 42 days later and my collection has not been removed as promised in a binding contract. In fact, it was updated instead to settled for less. I would like this collection removed. I have reached out to them with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I spoke to senior rep and asked about three letters I recieved XX/XX/XXXX. NO AVAIL See attatched letters. XX/XX/XXXX. {$120.00}. transaction date XX/XX/XXXX says THE CREDIITS WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION * HAVE BEEN REVERSED. XX/XX/XXXX, {$210.00}. transaction date XX/XX/XXXX says same. Both of these were returned items Merchants credited IMMEADTELY before statement XX/XX/XXXX closing date. There NEVER WERE ANY USAA CREDITS none were needed. Both these letters are missing claim date and note the top wording they are not called CREDIT CARD FRAUD CLAIM either. XX/XX/XXXX letter. 
CREDIT CARD FRAUD CLAIM for {$470.00} GIVES CLAIM DATE XX/XX/XXXX. I CONFIRMED I REPORTED XX/XX/XXXX CHARGES OF {$470.00} FRAUD. There are NO PERMANET USAA CREDITS AS THIS LETTER SAYS AND IT IS FRAUD. NO CREDITS FROM USAA TO COVER FRAUDS. USAA CLAIMS NO FRAUD REPORTED. Why thousands of credit reversals IF NO FRAUD REPORTED? Credit Reversals begin XX/XX/XXXX. I demand {$100.00}, XXXX check mailed to me to cover my financial loss + interest of being held liable for fraud since XX/XX/XXXX. USAA DESTROYED MY CREDIT. I WILL NEED THIS MONEY TO REBUILT WHAT THEY DESTROYED. I USED TO HAVE EXCELLENT CREDIT SCORE. My health has also been effected by USAA ATTITUDE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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:
I have repeatedly disputed inaccuracies on an account named XXXX XXXX on my Experian credit report. Experian has responded that they verified with the creditors the account information. However that can not be true because XXXX is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Experian is supposed to verify and report accurate information or they must delete. Experian is violating my rights under the FCRA, which is illegal. Experian has never sent any method of verification, who they spoke with or how they verified this information. Experian needs to delete this account since they can not verify and report accurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: C/C Financial
State: TN

Complaint narrative:
I recently purchased furniture from a local store in TN and decided to finance it through one of there leasing companies ( 3rd party ) Merchants Preferred Lease out of XXXX, GA. 
I have almost completely paid off what i owe for the furniture, however recently I've been hit with financial troubles and have not been able to make the bi weekly payments that were agreed upon for the last month or so. I called the company to see if we could work something out or postpone a payment or two until i was able to pay the remaining balance in full but the company informed me they are unable to work with me or change any of the initial agreements. 

I politely asked for them to discontinue ACH payments via my bank account due to funds not being available in the account on the scheduled transaction dates. Due to that reason, i was receiving late fees & return item fees from both my bank and the lender. I called back again to ask again for this to stop and they declined to do so. 

Recently, a federal law was brought to my attention that protects consumers in situations like this. I was informed that this federal law prohibits a lender from withdrawing payment after two unsuccessful attempts. An email was sent to me today informing the 3rd attempt will proceed tomorrow XX/XX/XXXX. The first two unsuccessful attempts occurred on XX/XX/XXXX & XX/XX/XXXX. 


FYI- The first attachment labeled " CFPB '' is an email that made me aware of this law from another lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NY

Complaint narrative:
I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Quick Bridge Funding, LLC
State: NY

Complaint narrative:
i signed up with quickbridge they are a cash advance company I had to pay XXXX a week it was ok at first. I tried to negotiate lower payments or monthly they said no. After running into issues with my bank I was not able to pay checks bounced. i tried to get other agencies to take over the account they were not successsful in doing so. They have placed a ucc without trying to find someone who can help me do lower payments. I feel like they didnt try to resolve it and took the easy way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiBank approved me for several AAdvantage cards offering promotional miles over many years. I have had a Citibank AAdvantage card since XXXX. After earning rewards miles, my XXXX XXXX account was shut down on XX/XX/XXXX. CitiBank is responsible for this matter because the awarding of promotional rewards directly caused my termination and led to me being viewed as abusive by XXXX XXXX. This caused me to lose all the promotional miles from CitiBank as well as many earned through different means, such as regular flights on the airline. Apparently going over a certain threshold of miles triggered XXXX XXXX to think I was guilty of fraud or abuse. CitiBank must have better controls over their products to prevent their customers from being unfairly treated by rewards partners due to the use of Citi products. If I did not receive the repeated awards from Citibank I would still have my XXXX XXXX account and all the miles accrued, therefore Citibank is responsible for this loss. Many of these credit card approvals were manually reviewed by Citibank employees before full approval, showing that they were scrutinized by staff. They should have known better than to jeopardize their customers in this way. 

The full amount of my loss is XXXX XXXX XXXX miles, valued at XXXX cents per mile. The full value of this loss is {$12000.00} due to Citibank 's improper handling of rewards partnerships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I inquired about a loan with this company online. Since the inquiry, in one day I received 40 phone calls AND voicemails from this company. I called the company to tell them I was no longer interested and to remove my phone number from their contact list. They asked " What is the problem? ". I told them I no longer want to receive 40 phone calls and voicemails in one day. The man told me ok, but I got no confirmation except an " OK '' that they would not call me.Since I talked to the company, I have continued to receive multiple voicemails, each voicemail is 3 minutes apart, and phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Why is the federal government letting these loan shark subprime lenders get away with giving poor people with fair credit 23 % interest rate car loans. This is not fair they are making XXXX  of dollars a year. In 1990 I had bad credit and got a car loan at 10 % interest rate from XXXX XXXX. How do you let this people get away with this usury. 
Please stop the madness. Please help us, we are suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied to a rental company managed by XXXX XXXX XX/XX/XXXX. I was notified that I was denied and I can receive a tenet screening report from XXXX and have them submit a Consumer dispute form the Experian Credit Reporting Bureau. I have received the tenement screen report showing unknown and unauthorized Bank accounts, Loans, Credit cards, Rental property deficiencies with past due balances, along with Civil cases reporting of unknown evictions and possessions. From XXXX to XXXX I was XXXX, XXXX, and XXXX XXXX by an Ex-Partner who had full access to all my personal information SSN, Date of birth, copies of my ID, ect. At the time He would take care most of our financial bills and other obligations. After XXXX I had to remove my self from the relationship, and while doing so I was being victimized and had to call authorities where He was arrested and charged with XXXX and XXXX XXXX. Since the my physical address has been my current address. I am pursuing to file charges against Him currently for these unauthorized accounts and tarnishing my credit and name. XXXX, XXXX, Equifax has all been updated with this information. XXXX  has the most correct updated information that I, and I only authorized. XXXX  unfortunately when being contacted isnt all that friendly has not updated anything I have disputed. Im XXXX and Ive been a month fighting homelessness awaiting XXXX  to remove the fraudulent accounts from record. I called to see if I could receive a reasonable accommodation to have the information redacted, they denied. I really need these fraudulent items on my Credit report removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I cleared out my checking account when I left town and XXXX XXXX XXXX XXXX over drafted the account I closed. I dont even know how this happens. Ive tried sending money multiple times over many months and it hasnt worked. XXXX XXXX has tried ruining my credit over {$8.00}. I would gladly pay the money if she communicated how. She should lose her job over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: WA

Complaint narrative:
Daily phone calls/message about unknown collection. Garbled message, does not ans2er return calls. Very common robocall, even uses your name. Many have the same experience from XXXX. Aparantly originates from check cashing at casinos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: OH

Complaint narrative:
I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX  XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
I received several emails from the branch that I was approved for the loan. I have an existing loan with them that Ive been in good standings. I was told I was approved when can I come in to sign paperwork. I was never told that I needed to secure a loan. I received an email back in XXXX saying I was approved the offer was valid until XXXX. This is totally false advertisement. I have two jobs and I get so security XXXX. Then I called their corporate headquarters and talk to a girl this morning that was completely rude and nasty and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Usaa is holding my funds instead of crediting my account. A check from a 401k withdrawal was electronically deposited because USAA does not have regular branches in Arizona. The check was deposited on XX/XX/2020 and I called on XX/XX/2020 and asked why I didnt have my money. They said they were holding it for a week. What? This is crazy no bank holds a legitimate check issued by XXXX  floor a week. I feel Im being targeted by USAA. I should not be denied my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is calling over 8 times a day from different phone numbers. Ive asked them to stop. Theyve called me after XXXX as well. This is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XXXX. I had been in the hospital all through XXXX until XX/XX/XXXX. The accounts continued all throughout XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF ED/XXXX/XXXX XXXX {$4800.00} US DEPT OF ED/XXXX  XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}

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 2020-02-13 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: AR

Complaint narrative:
XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XXXX. I had been in the hospital all through XXXX until XX/XX/XXXX. The accounts continued all throughout XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX  XXXX {$3500.00} XXXX  XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF ED/XXXX/XXXX XXXX {$4800.00} US DEPT OF ED/XXXX  XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}

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