vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II
State: TN

Complaint narrative:
I took out a personal line of credit on XX/XX/2023 for medical purposes. Loan number XXXX This was with a tribal company Opichi Funds LLC po box XXXX XXXXXXXX XXXX XXXXXXXX. The amount was {$3000.00}. It was my understanding the interest was {$300.00} a month because that is what the first bill stated due on XX/XX/2023. I am not working due to hospitalization but knew I could get help to pay that monthly. I have now received a bill for {$3800.00} due on XX/XX/XXXX. I contacted them today because I took out he line of credit for medical purposes and am currently undergoing treatments and have the medical documentation as evidence. I had no idea the interest was 338.75 % which is what I am now being told. I asked if I could stop the interest and would attempt to pay {$300.00} a month for XXXX months to pay the original amount plus the {$300.00}. I was told they could do nothing and would not work with me. Please help me resolve this. I contacted an attorney and was told let them take me to court because it would be thrown out in the State of Tennessee and he would represent me. My other option is to include it in a bankruptcy. I would like to attempt to work something out with them but they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I have a lease with Hyundia Finance, which I have paid on time for the past several years. In XX/XX/XXXX, Hyundai starting applying my monthly lease payments to property taxes without informing me and, in XX/XX/XXXX, Hyundai informed me I was 60 days late on my lease payments and I learned they reported this to the credit bureaus. I paid the property taxes upon learning about the amount due, but Hyundai continues to report me as being 60 days late on my lease payments in XXXX, which is not true and the records conclusively demonstrate that all lease payments have been paid on time.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I purchased a car from XXXX on XX/XX/XXXX. Monthly payments in the amount of {$320.00} have been made on time every month since XX/XX/XXXX to Bridgecrest who is the lender. My account has been ahead by 2 months since XXXX. My current payment is not due until XX/XX/XXXX. No payment has ever been late. 
Bridgecrest has inaccurately reported my account as 30 days late to the credit bureaus and posted late fees to my account. Please keep in mind that XXXX late payments have been made. Cases had to be opened with the CFPB as Bridgecrest was unwilling to correct the errors. 
When an on time monthly payment is made, the principle should decline every month. This would cause the interest to decline slightly monthly as well. My account is showing that the interest is not declining monthly, and in some instances increasing dramatically. 
I have attached examples of how the monthly payments are applied to principal and interest. The interest for the payment on XX/XX/XXXX ( {$170.00} ) is almost the same as the first payment ( {$160.00} ). No amortization table works that way. As the principal declines, so should said monthly interest. This account will be XXXX XXXX XXXX in XXXX of XXXX. 
I have contacted Bridgecrest numerous times to resolve. I recently spoke with XXXX who is a XXXX in the XXXX XXXX Department. She was to investigate and call me back. To date, no return call has been made. 
Bridgecrest will also claim that the amount of interest collected depends on when the payment is received, the payment is sent the same time every month and received within a few days. Bridgecrest will reverse the principal payment and apply as a normal payment 30 days later. This might be why the interest increases monthly. The amount of interest is all over the place.

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 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
In XX/XX/XXXX I refinanced my federal loans with MOHELA into direct loans to obtain forgiveness under XXXX. MOHELA included an application for XXXX in the envelope along with my loan package. I immediately completed the application & returned it ( receipt date was XX/XX/XXXX ). On XX/XX/XXXX I called MOHELA to inquire about the status of my application. The customer service rep asked me to verify my account information then asked if I had received any Pell Grants. I said I received one in the amount of {$450.00}. She immediately advised me to apply for Biden 's student loan forgiveness program. 4 days later MOHELA sent me 3 rejection letters saying I didn't have direct loans. She saw I had direct loans while I was on the phone with her & she still rejected my application. I believe she was steering me into options that did not benefit me but instead benefitted MOHELA based on information she saw within my account & application. MOHELA acknowledges I have qualifying employment & direct loans but they have failed to verify my payment history. I uploaded that information from XXXX XXXX XXXX XXXX & I'm still being rejected. They have not done proper due diligence on my account by looking back & counting my payment history with XXXX XXXX XXXX XXXX. I have been dealing with MOHELA for 7 months & I'm tired of getting the runaround even though I fully qualify. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargos consumer abuse OPNED A BUSINESS ACCOUNT FOR ME AND MY HUSBAND AND CLOSED OUR REGULAR CHECKING ACCOUNT WITHOUT OUR KNOWLEGE???? SO WE HAD NO BANKING ACCOUNT??? BUT NEW PLATINUM BUSSINESS CARDS-SO WE WENT TO BANK -WE WERE TOLD WE HAD GOTTEN CHANGED TO A BUSINESS ACCOUNT??? WE DID NOT HAVE A BUSINESS -WE WERE RETIRED -GETTING SOCIAL SECURITY ... .SO WE CLOSED OUR WHOLE ACCOUNT AND HAD TO GO GET ANOTHER BANK ... WHAT A NIGHTMARE AND HAD NO WAY TO PAY BILLS OR ANYTHING UNTIL OUR NEW BANK GOT US GOING... WELLS FARGO OWES ME SOMETHING FOR THIS FRAUD MONEY MAKING SCHEME AND THIS IS NOT THE FIRST TIME DOING -THEY ARE REPEAT OFFENDERS

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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Recovery Management
State: SC

Complaint narrative:
I am the consumer, I am the original creditor. I have no contract with the collector, and that the debt has not been validated. Please see attachment below on violations and affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
2020 i discovered a fraudulent bank loan account on my XXXX credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had XXXX to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with XXXX credit bureau gives me no hope to resolve this issue with one main financial lending intuition reporting a fraudulent account to my XXXX credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. XXXX out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: UT

Complaint narrative:
As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
Summer of XXXX I was offered a bj credit card at a cash register while I was checking out The attendant asked if I wanted to use this BJs card for the purchase I said NO Thats the only interaction Ive ever had with BJs at this cash register in summer XXXX Never used a BJs card Never bought ANYTHING Never ever received a bill or a BJs credit card Then in XX/XX/XXXX received a bill for membership fee for BJs credit card I called said I dont have a BJs credit card never used a card and dont shop at BJs I continue to call the company about this unauthorized membership charge without resolution Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2023 my account was closed. The reason was based on my credit utilization with other creditors. The credit statement was ambiguous. I believed my credit worthiness with this credit card would be based on my relationship with them not others. I have no past due activities on XXXX of my credit cards. This decision will further cause my credit score to drop and make me look unfavorable. This creditor did not give me any options to resolve. I currently owe {$53.00}. 
On the same day, my synchrony home account credit line was reduced to {$250.00} from {$1000.00} for the same purpose but was not closed.

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 2023-02-01 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: NC

Complaint narrative:
In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My card was fraudulantly charged {$4000.00} in XXXX of XXXX and i disputed charge and they credited it back in XXXX of XXXX BUT they charged interst and late payments until XXXX of XXXX and then never sent me a letter and just sent to collections and now it has ruined my credit. i have tried to resolve this with 7 hours worth of phone calls over 3 weeks of calls and they have no idea why i am calling. i have a case # and they still wont resolve this.

THIS IS MY CASE # XXXX

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 2023-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-01 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: NC

Complaint narrative:
In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.

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 2023-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was offered a position at XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022 as an XXXX XXXX and I proceeded to accept the position. I was then requested by my employer, as part of my employment, to receive funds into my account, then withdraw the funds and deposit them into cryptocurrency accounts. After making the deposits and completing my work assignments as requested, I did not receive my commission payments as indicated in my employment letter. After my employer defaulted on my pay, I was also no longer able to contact them. I subsequently submitted a complaint to the Texas Attorney General ( complaint number XXXX ). About XXXX  weeks after I was unable to reach my employer, I suddenly found out that my account was overdrawn in several steps of - {$XXXX}, - {$XXXX}, and - {$XXXX}. I contacted Bank of America immediately and initiated a claim. It is very clear that I did not make the withdrawals that have led to my account being overdrawn. In addition, I do not have any overdraft facility with Bank of America. Therefore, the withdrawals that led to my account being overdrawn should not have been authorized by Bank of America. They represent either negligence or a breach of Bank of America 's security and are therefore not my responsibility. I know it takes great courage for me to disclose all of this, but I just want to be able to start over from scratch. This incident has damaged my relationships with not only my parents but also other family members. I have also lost all credibility and am left with XXXX confidence. I can only hope that with your assistance, your knowledge, and your competence we may find the common ground, and a good resolution because I wish this had not happened to me or anybody I know since, for a young man, I believe there is no worse feeling than 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 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA

Complaint narrative:
Employee of 501 ( c ) 3 organization for 12 years with student loans trying to apply for PSLF. Completed online help tool on XX/XX/XXXX. Employer not in database. Information sent to XXXX and told to wait 30-60 days. No response ever. Completed online help tool again on XX/XX/XXXX. Employer not in database. Information sent to MOHELA and told to wait 30-60 days. No response ever. MOHELA telephone system does not connect to human being and automated system under my Social Security Number indicates no file exists and call ends. Thus, impossible to get a final determination of employer eligibility in order to permit completion of application for the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
Transunion, XXXX, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have yet to receive in response.

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 2023-02-01 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: AL

Complaint narrative:
I received a letter on XX/XX/23 stating my credit card ending in XXXX was to be closed. I am XXXX with them closing my account as they also closed my checking account recently and have moved my business elsewhere. I am not okay with them taking hundreds of dollars in the reward points that I deserve and earned from them. I want those XXXX rewards dollars sent to me as a check immediately with interest.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: UT

Complaint narrative:
As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I opened a account with Scrophony Bank on XX/XX/XXXX and made my initial deposit of {$1000.00} dollars via bank transfer from my account at XXXXXXXX XXXX XXXX  Was told the deposit should take 3-5 : Days to be available.On XX/XX/XXXX I received a email stating that my transfer service had been suspended. Then on XX/XX/XXXX I received an email stating that my transfer had completed. On XXXX  as well on XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX all times being told that my account is under review and no further info was available and it would take 30 to 60 days to review my account. How can they hold my money for no reason given to me. This is crazy and I wan na know how they can hold my money.

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