vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I took out an installment loan of XXXX from XXXX. After speaking with XXXX XXXX XXXX indicates XXXX explained the loan process and fees correctly to me. That is a lie and they said they have recorded information they refuse to let me hear the recording. 

They scammed me into a loan that XXXX stated was only 35 % interest but it is 101 % interest. So I made my first payment of {$480.00}. Only to find out {$0.00} went to the principle so they can pull {$41000.00} out of my pocket in 7 years is illegal. They state they are a licensed lender and exempt from the Usery Law but can take {$47000.00}?? 

They will not get {$47000.00} from me. 

I have received two letters from XXXX stating a pay off plan. To pay 13 Months of {$580.00} per month which will cause serious financial hardship. They are refusing to work with me but reporting non-payments to the credit bureaus damaging my credit rating. They are loan sharks trying to steal money from people in a get rich scheme. 

They have illegally called my work and also risking me losing my job by contacting me via XXXX from a ( XXXX ) XXXX number. They contacted me illegally on my XXXX XXXX # XXXX, and a grand total of 16 times. I have tried to report this to the FTC Sentinel Network but they have indicated it has to go through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: LA

Complaint narrative:
Called Discover and spoke to a business credit specialist that informed me that when my applying for a business credit card account that my personal credit report would not be pulled. After applying and being declined, my personal credit report has an inquiry that otherwise, I would not have applied for. Was told that I was declined due to, 'too many revolving accounts with high balances ''. I was just approved for a Discover IT personal credit card account less than three weeks ago. Why wasn't this an issue at that time?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX. 

I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX  EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them. 

On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days. 

To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: FL

Complaint narrative:
I am formally writing this letter of complaint to you in regard to Equifax Credit Bureau. 

Equifax has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$190.00}. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Equifax in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Equifaxs failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Equifax was also furnished proof that the XXXX ( account # xxxxxxxx ) in the amount of {$190.00} was in fact disputed and DELETED from my credit report by XXXX  and XXXX  SINCE XX/XX/2018 ; ( I will re submit the proof of deletions via attachment ). However, Equifax continues to carelessly and negligently continue to post that inaccurate account ( {$190.00} ) to my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Equifax immediately delete all the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored. 

Note : This CFPB complaint is solely directed to Equifax Credit Bureau. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: GA

Complaint narrative:
XXXX XXXX has a debt listed my credit reports ( TransUnion-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX MN XXXX Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX  website has been broken for years and no one seems to fix it no matter how many reports one makes. This time they do not allow me to view the online dispute or corrected names of fraud that's on my report! They provided a contact number, '' We are sorry we can not correct this now you need to callXXXX ( XXXX ) XXXX-XXXX  '' and when dialing it it is at for memberships only that tells me how I could order services rather than repair my problems. 
email " Dear XXXX  XXXX, XXXX  has completed your dispute for Confirmation Number XXXX. 
View Now! You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 30 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access before XX/XX/2019. Thank you for giving XXXX  the opportunity to serve you! " Lastly, then it shows that the site can not identify and wants me to verify my identity. I'm going to write the WhiteHouse.gov and report this very same letter anybody 's interested in doing this please feel free and submit it to the president ; whether you like him or not he does act you have to admit and he actually looks at these problems this is federal government issues and it's been made peoples!

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 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Storehouse Mortgage, LLC
State: TX

Complaint narrative:
The website https : thetexasmortgagepros.com advertise rates on their website without disclosing the criteria for the rate and apr. When I called and asked for a rate, I was quoted a whole lot different rate than what the site is advertising. After a lot of questions, I was told those rates are for " preferred '' borrowers only without disclosing what a " preferred borrower '' is or what constitutes a " preferred borrower ''. 

The advertised rate is nothing but a bait and switch strategy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a sopite open with CITIBANK XX/XX/XXXX for 4 transactions by the same person. {$110.00}, {$300.00}, {$280.00} and {$50.00}. 

I complained to CFPB about Citibank closing my case due to not having documents when I have transaction verification report proof I sent it. 

I closed my account at CITIBANK due to money being taken out constantly. 

On XX/XX/XXXX I received 3 checks from CITIBANK in the mail : {$110.00}, {$300.00} and {$280.00}. I called the response unit regarding this and they still until this day havent gotten back to me. I called Citibank DISPUTE center regarding this on XX/XX/XXXX to ask if this is PROVISIONAL or PERMNANET because I did not want to cash it if it was provisional. 

On a recorded line XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, it was safe to put it into my bank and that the case was closed. 

On XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, they got the money back from the merchant and the case is closed. I reiterated IS IT SAFE TO CASH OR WILL IT BE TAKEN AWAY? He said no, it is permanent and go ahead and cash. 

So I went ahead and cashed it. 

Today XX/XX/XXXX I received another {$300.00} check in the mail so I called CITIBANK to ask what this is for because I had already received my money and was this for something else ... they couldnt figure it out but told me that the money I got via check that i was told by multiple people that it was PERMANENT not PROVISIONAL ; that it was in fact provisional credit and not permanent ... that my case is still being investigated and the money can be reversed ... 


On recorded lines with CITIBANK DISPUTE, I was told this money was permanent and safe to spend/use and that my case was closed ... 

On a recorded line from MULTIPLE sources I was told the same thing and now its false information ... 

I am very upset and wanting to bring a lawyer into this as I was given misleading information on a recorded line and no one has done anything about it.

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 2019-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
On XX/XX/2019, Navient called to collect on my student loan and I explained that I don't have any money. They said that the only repayment option for me was to pay {$50.00} before they could defer my payments. I asked to speak with a supervisor and the supervisor was even less forthcoming with options for deferment or repayment. He offered my no options, the only option he offered was repayment. He did say they would stop the phone calls but that was all they could do. I then went online and saw that there was an option for deferment that required no payment upfront. I have deferred loans in the past and I have never been told that I have to pay before they would defer my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX   Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/19, I ordered our free annual credit reports from all credit reporting agencies. We received our XXXX  reports within 7 days, XXXX   followed 2 days later. We have not received our Equifax reports. We did not receive Our Equifax reports last year but decided not to make it an issue. Contacting Equifax without a report # is impossible. Tried to re-order but denied because we already ordered them. 

We want our free reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
So I am being sued in Texas by LVNV Funding LLC which is in Nevada. They bullied me and never contacted me about this debt and all of a sudden I get a summons. They have cost me mental pain and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
On XX/XX/2018 my vehicle was involved in a fire from another vehicle which resulted in a total loss. When I called Santander to file the claim and inform them I eventually was told that yes I do have a gap insurance policy and that I was charged for that over the term of my loan. The phone call that confirmed that was on XX/XX/2018. I did everything I could to reach out to both the original car dealership " XXXX XXXX  XXXX XXXX '' located at XXXX XXXX XXXX, XXXX MD XXXX. The sales person was XXXX XXXX and was very dishonest at the time of the car purchase. The company went out of business and also the GAP Insurance company turned out to be fraud. At the time of purchase I was required to buy GAP to insure the loan by Santander. Now Santander is calling my personal phone, as well as, all of my family members to receive the balance of the loan even though I paid Santander over the course of the loan for GAP insurance coverage. They are harassing me and my family, and they will not accept blame or settlement for the balance even though I believe that is unfair. In addition they have dealt extreme financial stress to me because they are reporting the loss to the credit bureaus and causing additional financial stress on me, my wife and children. I've even spent hours on the phone trying to get someone at Santander to understand, and they continue to call and harrass me daily for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX sold this debt to another collection agency but Im unsure of the name. I made monthly payments and a few days before I completed paying off this full balance of XXXX they sold it to a new collection agency. Shortly after I made my last payment I started receiving call from this new collection agency asking for the full balance stating they were just sold this collection and I have to pay the full balance again. I explained to them that I already paid this balance off and this said I was still required to pay anyway because I didnt make those payments with them. I feel its unfair for me to pay this again after already being paid in full. At one point they did remove it from my credit report and Ive recently noticed it was placed back on there as if it was never paid. Im unable to give dates due to it being years old but Im 100 % positive this debt has always been paid.

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 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
When I check my credit report comes up as a negative on my credit report Completed the loan modification process so everything should be good now on my mortgage and I need this to show on my credit score so can get my credit score to 6 or above as I need to do.

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 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Title Security Agency LLC
State: AZ

Complaint narrative:
I asked for my promissary note as the only signature that was on it was my signature. I did not know that Title Security had sold my note to someone else and they refused to give me any information or tell me who their XXXX XXXX company was to this day. I told them ( XXXX, the foreclosing agent ) that I would have to inquire about my rights with their regulatory agency, ( Title Security retaliated at that point and went ahead with the foreclosure, even though I was current on my payments ). They threatened to foreclose on me, if I contacted any govenment agency for help. They refused anymore payments and refused to tell me how I could stop the foreclosure, until it was over so I had to pay all of the fees for the foreclosure ( Is this Nondisclosure, fraud, etc.? ). When I contacted attorneys they assured me that this was illegal, but I could not afford their fees. I have kept in constant contact with Title Security to to be within the statutes of limitations for RICO, 4-5 years within the last contact with them.They are still withholding information even though they have sent the file to me, but it is incomplete. Now they claimed that I was not damaged because I later sold the property, but unfortunately was never paid for it, XXXX XXXX XXXX never gave me the funds for the sale, but this is another, separate issue that I will also present to you to be investigated.

Company response to consumer: Closed with explanation