vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Where we're any of my payments applied to my balance? I only borrowed {$930.00} dollars total with a 15 % dispersion fee making my highest balance should have been. {$1000.00} with ( add you payments up here. ) in payments made and and still had a balance of {$1100.00} until I paid it off today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
Heartland ECSI has me set up for quarterly payment withdrawals, the XX/XX/XXXX quarterly payment went through correctly. On XX/XX/XXXX, Heartland generated a bill that I did not receive in the mail until today, that bill has incorrect information regarding my quarterly payment dates, outstanding balance and past due balance. A fee of {$1.00} was charged on XX/XX/XXXX for my past due balance on that date. The interest charges and past due balance appear to have continued to accrue and increase after the incorrect quarterly payment date on the bill of XX/XX/XXXX. 

Yesterday morning, on a Federal holiday, Heartland 's collections division called to collect on my " past due '' balance. I refused to provide Heartland 's extremely-agressive collection agent my Social Security number or birthday as I could not verify that the incoming call was actually coming from Heartland. When I tried to call back, I was informed that Heartland was closed for the holiday. I logged in and paid my " past due '' balance of {$26.00} to avoid a late payment strike on my credit report. On their website I put the XX/XX/XXXX bill next to the previous bill and noted all of the discrepancies between the two for the dates, expected payments and balances. I double checked my auto payment settings and they were all setup correctly. When I paid my additional payment, I was charged an ACH fee of {$1.00} for the convenience of using this service.

Today I began calling Heartland at 7 am. I have now spent four hours listening to hold music. I have asked to be called back three times and have not received any response whatsoever.

This is not the first time that Heartland has made errors with processing the auto payments I setup on their website. The one late payment on my credit report is from Heartland making this exact same error in XXXX 

In short, my complaint is that Heartland is deliberately making administrative " errors '' to fraudulently drive up ACH, late fee and penalty interest revenues, using the threat of negative credit reporting to keep the suckers in line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Global Lending Services LLC
State: MI

Complaint narrative:
The vehicle was current payments by the title holder, myself. The vehicle covers gap insurance at the time of purchase, and full coverage. The vehicle was totaled/total lost. The Global Lending Service Lender picked the vehicle up without prior authorization from the title holders, and the policy insurance company policy holder. No insurance authorization, title holders lawyer being contacted. I do not old the lender as the lender made threats to the title holder to reprocess the vehicle and to sale it at auction. Without allowing the lawyer to go through litigation with the title holder insurance company, or without the gap insurance coverage being applied. The XXXX XXXX  value on the vehicle shall represent the cost of the vehicle, or and the vehicle shall not be charged to the title holder as she is currently XXXX  from the total loss and automobile accident. After the Lien holder retrieved the vehicle before litigation process. The Global Lending service shall take full responsibility of the loan and remove the amount from further obligations of {$21000.00} Auto loan if the lawyer and its client has not been giving proper notice to sale, trade, or retrieve the vehicle for total lost inspections, with out prior notice. The lien holder is held accountable for not properly handling the insurance policy documentation, or requesting the insurance on the vehicle as the lien holder. Breach of contract, as the title older shall not further carry on the burden of the balance as the lien holder is in possession of the vehicle and will put the vehicle up for sale @ auction price possibly XXXX XXXX  value. This shall remain and stand in the court of law of the lien holder breach of contract to maintain proper documentation, insurance policies of the vehicle as the lien holder, Overseer. The lending company did not comply on any paperwork to deem the vehicle a total loss, as should have been done through litigation by my attorney as a process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
Hello, I have had a complaint with Capitol One for 4 months. I submitted the complaint on the CFPB website on XX/XX/2021 ( Complaint ID : XXXX ) on XX/XX/2021 Capitol One responded with a letter detailing the issue and the resolution which was to credit me {$95.00} via check mailed within 15 days of issue. I have since spoken at least 20 times with Customer Service trying to find when the check will be mailed. Every time they stated for me to keep waiting a couple more weeks. I waited XXXX and a half months until I called again and was told they can not send me the check. I have attached the letter and would like to reopen my complaint on Capitol One for not completing what they said they would do on the letter sent to CFPB as a resolution for Complaint XXXX. 

Thank You for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: IL

Complaint narrative:
their is a car note that was opened in my name without my consent, I would like this issue to be fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-19 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: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I 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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/22 My name is XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I have visited the consumer trade commission website to request a free paper copy of my credit report. I know Im eligible for a free paper copy of my credit reports from the credit reporting agencies that are in my area. The website where I attempted to get the report denied my requests. Please mail all my credit reports by mail to my home address as soon as possible.

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 2022-01-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I stayed in a hotel in XXXX, OH in XXXX of 2021, despite my digital receipt stating " breakfast for 2 is included in my stay '' it actually was not, I made a purchase on a third-party website it's called XXXX just prior to coming and addressed my disappointment to a front desk clerk who stated that information on what's included and what's not is often updated on a hotel website and this site XXXX failed to do so, he advised me to contact XXXX to resolve an issue. It was late night and I decided to email them expecting to receive a response by the next morning when I wake up but I never got a response. I did in fact email them 3 times but have gotten absolutely no response. Upon coming back to XXXX XXXX XXXX I felt really offended by them ignoring me and filed a dispute with Best Buy Credit Services who were requesting more evidence I even provided them with the hotel address and telephone for them to ensure I'm telling the truth but at the end, they said they can not recover money now because it has been too long.

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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Today I received a TD Bank debit card # XXXX in the regular mail. I called TD Bank to inquire about the card since I have never opened an account at this bank. I was explained that this was fraud but no other detail can be given such as when, where and how the account was opened. I asked how can I have received a debit card with my name and not be able to get any other details. I was told such information was not known by the bank. I was explained to complete the process to freeze my credit report with the three credit agencies, to freeze my SS # and to file a report with the trade commission. All three actions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
My spouse was awarded a vehicle and the debt obligation in a divorce. I forwarded my divorce decree with judicial signature and my order of protection with signature. For several months I was not contacted and then my parents started receiving the harassing calls stating they were " making multiple attempts to locate me since I was not taking care of my obligations "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are two fraudulent accounts on my credit report. One is from Capital One Auto Finance and the other is XXXX XXXX XXXX Credit Card XXXX sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted capital one over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but Capital One Auto Finance does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX  XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
I was contacted by RMP, A XXXX RCM company around the XXXX of XX/XX/2022 with regards to a debt I owed XXXX XXXX for various medical bills including my sons. They offered me a settlement for {$680.00} of which I agreed to and requested the debit this amount from my XXXX XXXX account on XX/XX/2022. The entire conversation was recorded and I provided my routing number and bank account number for them to debit the {$680.00}. However, on XX/XX/XXXX they debited {$1100.00}. I called immediately and spoke with employee # XXXX ( XXXX ) who acknowledged the error and assured me they would credit me back the difference of {$450.00}. I was given reference number XXXX and assures me I will get the difference ( {$450.00} ) back but they have not. I called several times and keep getting a promise they will refund me the difference but they have not. I have filed a dispute with XXXX # XXXX do not believe this company intends to pay me the incorrectly debited amount and uses settlements as a ruse to get your bank account info and then overcharges you and just assumes there is nothing you can do. The company info is below. 
RMP, A XXXX RCM company XXXX XXXX XXXX XXXX, IN XXXX Office Hours : Monday Friday XXXX XXXX  Email : XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TN

Complaint narrative:
CBSA has violated my consumer rights. The organization never verified the debt nor did the company provide any agreement that proved that I owe the alleged debt. I have requested a cease and desist order of all communications. Reporting any information to my consumer report is considered communication according to the fdcpa. CBSA shall remove all of my information from their records and all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I 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 non-monetary relief
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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