vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MO

Complaint narrative:
I took out a loan with Big Picture Loans ( a wholly owned subsidiary of " XXXX XXXX XXXX XXXX XXXX XXXX '' ) at the end of XXXX for {XXXX}. I did n't realize at the time that the APR for this loan was a staggering 683.3731 %. I was scheduled to make a total of 13 payments in the amount of {XXXX} every two weeks following the deposit of the funds. So far, I have made a total of XXXX payments in the total amount of {XXXX}, of which only {XXXX} has been applied to the principal balance. The remaining {XXXX} has been applied toward the interest. Since learning that Big Picture Loans is a tribal lender, I was made aware of the fact that this tribal lenders are not licensed to give or collect on loans in the state of Missouri, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/2/17 a debt validation was sent to the company to validate the debt, in the mount of {$390.00}. and the company didnt send the proper information as far as a signature or a binding contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute for inaccuracies on my credit report with Experian and received my dispute results and a bankruptcy is still reporting on my credit file and it inaccurate. I submitted a claim with BBB and they still sent another dispute result with inaccurate reporting stating the company reported that the information has certified to Experian that the information is accurate and they will not remove it. Per the law passed in XXXX it states the below. 

Not following the Law passed in XXXX XXXX CDIA and NCAP. I have tried to dispute the inaccuracy of my credit file and have not been successful. I have disputed with Experian several times in regards to a public record of a XXXX on my credit file with no verification and no satisfaction. Due to the new law ( CDIA ) that took place on XXXX XXXX, XXXX states New standards for how tax liens, civil judgments and bankruptcies are included in credit reports will go into effect XXXX XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide conumer reporting agencies ( CRAs ) XXXX, Experian and XXXX- to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report : Beginning XXXX XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at, or frequent intervals as follows : Minimum reporting of 1. Name 2. Address, and 3. Social Security Number and or date of birth. Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. They have not once updated any public records or provided any proof or verification this is mine. 

What they have reporting only has the XXXX court information and some identification number which I am not aware of.

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 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I refinanced my home in XXXX XXXX to remove my XXXX husband 's name from my property after the divorce was final in XXXX XXXX. 

I was told by Wells Fargo that I had to hire a third party appraiser, XXXX, out of my pocket, {$550.00}, which I really did n't have that amount to spend at that time, but checked with my realtor first to make sure that my house would appraise for 80 % of my current loan amount which has been paid down the past 2 years. Since I was reassured by my realtor that my home would appraise and meet the 80 % LTV ratio, I went for it - and was denied. 

I was then told I need to come up with upgraded receipts to equal the amount of {$15000.00} in upgrades. I confirmed with the woman I was speaking to about these receipts and was told that I could use receipts for all upgrades from when I originally purchased my home in XXXX, prepare a detailed spreadsheet of dates, consumer name, product, and price, and detailed letter of why I want my PMI removed. For the record, I 've never been delinquent on any mortgage payment or any other payment. 

Today, XXXX XXXX, XXXX, I was denied-denied. Wells Fargo will not use the XXXX XXXX appraisal because they will be using the XXXX XXXX appraisal which is less since my property value has increased. Furthermore, I can not use any upgrades to my home if they were completed before my XXXX XXXX refinance. Just getting out of a divorce which took me 20 months to get out of divorce debt, how could a single woman making a minimal salary pay {$15000.00} in upgrades? So all the upgrades to my property do n't matter? 

I contacted XXXX, the actual appraiser, and he knew that I was doing this appraisal to remove my PMI only and he could not understand why Wells Fargo refused to use the most current appraisal which is what they should have done because what they are doing does not make sense, I.e., using a 2-yeaXXXX old appraisal. It 's just unrealistic. 

I spoke with my case worker who will remain unnamed at this time @ Wells Fargo Home Mortgage and demanded a refund of {$550.00} since they had no intention of using this appraisal when they had every intention of using the 2-year old appraisal, which makes no sense at all!

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 2017-12-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I have three charges on my credit card which at the time ended in XXXX, for {$130.00} each. I did not notice that this charge fraudulently appeared 3 times. I ordered a product in a presale from XXXX XXXX, which ending up stealing the funds from thousands of people. In XX/XX/XXXX they notified everyone that they were not going to be able to ship their product. ( This was the second fraud, after charging my card 3 times instead of 1 time. 

I contacted CHASE Bank and they told me that there was nothing I could do since I could only dispute transactions for the last 3 statements. There was a XXXX page started for all purchasers of XXXX who had their funds stolen to give people information on how to get their funds back due to fraud. EVERY few days since XXXX there are people posting on the site about how their credit card company ( INCLUDING CHASE ) refunded the amounts since they accepted the charges of this fraud. The charges appear on my Card as " XXXX ''. All the posters say that the 3 statement limits did not apply since the delivery date was in the future and the company never delivered or returned anyones funds. THE TIME PERIOD SHOULD RUN FROM THE DATE OF NOTIFICATION WHICH WAS XX/XX/XXXX. I have tried 3 times over the last few months to dispute these charges to no avail, yet I see today, that there is another Chase Cardholder whom successfully disputed their charge along with testimonials from many people receiving their funds from many credit card companies due to the fraud. I feel i should be entitled to a credit of the {$400.00} fraudulently charged to my card. ( 3 charges of {$130.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
2008, {$5800.00} filed an illegal lien on house

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am the daughter of XXXX XXXX XXXX, an XXXX XXXX XXXX senior that has XXXX and who is unable to XXXX and care for herself. She does not drive and has to be transported by XXXX at all times. 

I currently have an Order for Guardianship of my Mother, who I have been denied access to her health and medical records and visitation as of XX/XX/XXXX. In the court of XXXX. Case #, XXXX XXXX XXXX, Probate court. I have been going to court every month, driving from XXXX, Illinois to go to court because as daughters, we should access to our mother. My sister, XXXX XXXX who has been living with my mother, since I moved away, in XX/XX/XXXX.to XXXX. I never left my mother, but my sister, due to my Mother 's inability to understand manipulated my Mother and constantly fought against me to have a relationship with my Mother. My Mother was denied access to outside of her home, she was held a prisoner in her home and has had multiple XXXX. As of XX/XX/XXXX, XX/XX/XXXX, my Mother became severely ill due to neglect of my sister and then my sister denied access to me on behalf of my mother. 
I had an illegal order of Protection placed on me by my sister, because I wanted to have the Right to Visit with Mom, as her health began to decline. It has declined drastically over the last 6 months. I had to have police there twice today, XX/XX/XXXX, but because the Order, failed to Allow Visitation, because my Sister, XXXX is failling ot open the door, So that My Mother can be Served by the Court. My mother has no Knowledge of whats going on, even though my oldest sister ( XXXX and I ) tried to tell her before, she got into this bad situation.Health, mental declining. 
My sister had a Salesman to come to the house to sign an AutoContract for this XXXX, by my mother, XXXX XXXX XXXX XXXX who has no Knowledge of what she is doing. This is Fraud and abuse of an Elderly Person, My Mother. 
Please help, I want to see my Mother and I want access to her, before, she leaves this Earth. My Mother does not deserve this, and she thought my sister, XXXX was coming to help her, not Harm Her and other Family Members, Her daughters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Strategic Automotive Servicing, LLC
State: TX

Complaint narrative:
Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle

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 2017-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
2008, {$5800.00} filed an illegal lien on house

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: CA

Complaint narrative:
Original CFPB Complaint # XXXX - NOT RESOLVED. 

Please understand that this complaint is about Equifax violating the FCRA 605B - which clearly states, " if Credit Bureau is presented a valid POLICE REPORT, they must block the fraudulent information immediately within 1 to 5 days. ) They are IGNORING this and just doing a 30 days dispute. 

There are several complaints online from other consumers who get taken advantage from Equifax and their internal decisions. 

FCRA 605 B is very clear. I am asking for the CFPB to let Equifax know that you are aware of the violation and for them to just follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The issue is about Premier Rewards Gold Card from American Express. On XXXX, I called customer service and asked if my charges from XXXX XXXX XXXX would qualify for the airline fee credit. They answered yes because although the airline I selected was XXXX, XXXX acquired XXXX XXXX and they did not have " XXXX XXXX '' in the drop down list. The charges were on XXXX. I called several times after then and every time the representative said I need to wait longer because it takes up to 8 weeks. On XXXX, I called again because both my husband and I have the card, so I want to cancel mine to avoid paying annual fee twice.The representative said I need to wait another week or two if I want to get the airline fee credit and she also promised that they would refund me the annual fee. On XXXX, I contacted them again and was told that the charges from XXXX XXXX did not qualify for the airline fee credit and I can not get refund on annual fee because it passed certain period. Apparently they can not deliver what they have promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-27 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: MN

Complaint narrative:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XX/XX/XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from Experian and XXXX . They are all dated for the year of XX/XX/XXXX and XX/XX/XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
XXXX which who I never heard of from XXXX hospital is attempting to collect a debt in the amount of {$370.00} on XXXX XXXX, 2017. I do not live in XXXX. I reside in XXXX. Where is this collection coming from I have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: FL

Complaint narrative:
Went into XXXX XXXX XXXX to get information on a car. I was asked where my credit was on a scale of 1-10. I said 10. The salesman then asked me to put my name, social security number, date of birth and signature on a paper.. I specifically said " Your'e not running my credit, right? '' and he said " No, we go based on what you tell us your credit is at this stage. '' I had n't even been in the office more than 5 minutes! had n't looked at a car, test driven the car, anything. So, eventually I test drove a car, did n't like it. Left. Came home and checked my credit and my credit score dropped XXXX points because of a hard inquiry by XXXX XXXX XXXX. After they explicitly told me they were NOT running my credit they still did! I did n't even try to finance anything!! I have n't had a hard inquiry in YEARS. I never apply for credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Go Capital Holdings, LLC
State: NC

Complaint narrative:
GoFinancial stated they placed my vehicle out for repo at 63 days past due. They acknowledged that they NEVER SENT A RIGHT TO CURE LETTER. THIS IS ILLEGAL.

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 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: UT

Complaint narrative:
The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. 

I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. 

I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. 

I have had no debt since I paid off my mortgage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: MN

Complaint narrative:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from XXXX and Transunion XXXX They are all dated for the year of XXXX and XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX 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 2017-12-27 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: FL

Complaint narrative:
I ask Experian to remove items from my credit I furnished a police report my ID SS Card everything they ask for all items were removed except for XXXX its not mine I fueled the report with police ask for it to be taken off and the 46 inquieries which none of which havent been removed either. I have taken all steps and I have provided all info needed to prove its not mine

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 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). 
I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.

Company response to consumer: Closed with explanation