vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.

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 2018-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one credit card, called them, my payment on XX/XX/XXXX went through for a couple days and then went back to unpaid when I wanted to just pay it in full then. They wrote missed payment on my credit report even though their system was faulty and did not let me pay I would like a credit update because of that. Now I have {$100.00} in interst and late fees and they said they cant do anything about it because card Is closed and I have to pay those fees so On XX/XX/XXXX I made sure to pay my balance on card in full and asked it to be closed For good and balance said XXXX on account because I paid it. 
Now on XX/XX/XXXX it says 7.20 interest charge. But I paid already on time and they are stealing from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a TD Savings account ( with the bump ). This account currently pays 1.00 % for the amount I have in the account instead of a regular ( no bump ) 0.35 %. I recently noticed that I am collecting a smaller amount and contacted TD Bank. 
The bank apparently switched me to a new sort of account, with different terms without notifying me. The new account has different qualification requirements, which meant that even though they deceivingly called my account with a bump I was not actually earning it. 
After a handful of conversations with the bank, including branch and customer service line. I was first told that I am owned back interest, but I was later told that TD does not have to pay me any back interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian forces their customers to cancel an account via telephone, however the wait time to speak to a representative is consistently over one hour. I waited nearly two hours before speaking with someone ( see attachment documenting the call-time via my wireless provider ). 

The wait time is unreasonable and is clearly intended to draw frustration in the hope that consumers do not follow through in canceling their account. This experience is not unordinary and has become common enough that it's likely a customer retention strategy.

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 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services
State: OH

Complaint narrative:
This company has called me repeatedly for the past week. I finally called them today saying that I never applied for a loan. They said they had an application for me in my middle name. I told them that no I didn't apply and that is my maiden name and is a fraud application. She said that should could cancel my application but needed to verify my information. What information? I never applied. She asked for the last four of my social security number. How does this company have this when I didn't apply for anything? I need my information deleted from this customer 's database and the harassment to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Opened XX/XX/XXXX. Paid XXXX. On XX/XX/XXXX / payment made / confirmation XXXX. XXXX XXXX / XXXX XXXX. Account / XXXX. They forced me to make a payment after putting it on the credit report. Called and harassed me. it is still on credit report. They said they will take it off in 5 business days. Left multiple messages and called in got the run around..

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 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a updated credit report in which this company was listed as a new collections account on my credit file for XXXX the company has not tried to contact me at all. I even tried to call and see where this alleged debt came from. They could not even locate me in there system! This debt is causing me not to get financing for a home I have work really hard to get! I have not been contacted and was not notified that this account was going on my credit file. I want this account removed until it is verified and Validated by me according under FCRA.Under Fair debt collection practice act I have the right to have accurate and correct information reported on my file! I also have the right to be notified upon placing a account on my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage, LLC assumed my mortgage three months ago. Since that time, each client statement has included a line item entitled " short payment '' in the amount of {$50.00}. Therefore there is a total " short payment '' of {$150.00}. I have called Nationstar Mortgage, LLC each month inquiring about this line item. Each time that I call, they can not explain this {$50.00} " short payment '', nor do they follow up on my requests for explanation. My payment amount is, and has always been, {$990.00}. I have never been late on a mortgage payment in my lifetime, so this should not be any type of late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I closed out my on XX/XX/XXXX and the ballance was paid with the prepaid money XX/XX/XXXX i did this because XXXX XXXX mobil app did not post my payment and i was charged late fees 2 mos in a row. So capitol one then charged me intrest on XX/XX/XXXX and again this month after the account was paid off they are saying i am responsible but i told them i was closing my account out and then to top it off they charged me a late fee for not paying the interest ... I told the agent that i wanted the account closed and finalized. This is for XXXX but its the principal they should have included the interest in my final ammount and didn't so i should not have to pay this or the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: KS

Complaint narrative:
On or around XX/XX/18 I received notification from my credit monitoring that numerous inquires were being reported on my credit file. 

I had in fact visited a car lot and told them that I would be back with copies of my paycheck stubs and other items that they had requested. They advised me that they would not be able to run my application without this information. After leaving the dealership, I decided that now was not a good time for me to purchase a car. I contacted the sales person and advised them that I was no longer interested. The sales person maliciously ran hard inquires on my report numerous times without my permission. 


XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX Permissible Purpose : INSURANCE UNDERWRITING Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018

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 2018-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ORG GC GP BUYER, LLC
State: CT

Complaint narrative:
the lone has been given to G C services who has got over {$17000.00} on what was a {$12000.00} lone and is asking for another {$12000.00} to be paid? I feel this money have been paid off in full. you can get G.C. at XXXX / G, C.   services number # XXXX ... me the client account number XXXX balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In XX/XX/2017, I scheduled the payoff amount on Wells Fargo Dealer SErvices website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/2017, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of 400 plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on Wells Fargo Dealer services side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with Wells Fargo, XXXX, XXXX, and XXXX. Noone is correcting the mistake.

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 2018-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I filed a complaint against Paypal Credit on Saturday XX/XX/XXXX about unauthorised hard inquiries into my account which lowered my credit score from XXXX to XXXX. Hardly had that been resolved than they did another inquiry into my account today on Monday XX/XX/XXXXand it further lowered my credit to XXXX. I need urgent redress as well as per my last prayer. 

The inquiry will be attached. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2017, I intended to make an on-line payment to XXXX XXXX for {$500.00}. After not seeing any credit to my account, I reached out to my bank, Wells Fargo, and asked about the payment. It was determined that the information that auto populated the on-line payment was incorrect. For the next 60 plus days, I called and wrote to XXXX and to Wells Fargo in an attempt to find my money. 

It is XX/XX/XXXX and I have been on the phone ( again ) with Wells Fargo and XXXX for more than an hour and with many many transfers to other people, and still no resolution. 

No one is responsible, they say. Is that true?

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 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: CA

Complaint narrative:
I have disputed XXXX XXXX Ref # XXXXwith the credit bureaus and requested debt validation for this account. To date, I have not received proper debt validation documents and this company is depriving me of my rights. Furthermore, why would XXXX  and XXXX  delete this account if this account is verifiable and correct? I sent a letter requesting debt validation XX/XX/ 2017 and never heard from them. Attached to this complaint is a copy of the letter I sent this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. 

Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. 

Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. 

Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. 

As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX  patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for the Bank of America Small Business Checking Account on XX/XX/XXXX. They had a promotion going on ( Promo code XXXX ) where if you deposited {$1000.00} or more within the first 60 days of account opening, that they would award a {$200.00} bonus. The exact wording of the promotion was " You must : ( 1 ) be approved for and open a new Bank of America Business Fundamentals Checking or Business Advantage Checking account online by XX/XX/XXXX '' I applied on XX/XX/XXXX and received an email confirming my account approval that day ( XX/XX/XXXX at XXXX XXXX  ). This falls in the time frame of the bonus. I have screenshots of all of these things. I met the {$1000.00} deposit requirement on XX/XX/XXXX but wasn't awarded my bonus. I called Bank of America on XX/XX/XXXX and they said I wasn't awarded the bonus because my account wasn't " technically open '' until XX/XX/XXXX. The bonus requirements state that I have to apply and be approved by XX/XX/XXXX. As mentioned earlier, I received my approval email on the afternoon of XX/XX/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 explanation
Consumer complaint received 2018-02-12 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: CA

Complaint narrative:
I have never used this address, nor do I know whom resides there. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief