vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Loantopia
State: CA

Complaint narrative:
I received an installment load from Loantopia. I am having trouble with paying it back. XXXX the collector from Loantopia has been call my phone from different phone numbers and will not stop. I am receiving 2 call 5 hours out of the day M-F. XXXX has also called my office and spoke with a colleague regarding this debt that I owe which is a violation of my privacy. I tried to settle with XXXX but she would not compromise. After the last call with XXXX before hanging up I heard XXXX have a conversation with someone in her office stating " There's no way I'm going to let her settle for that much. I need my commission, girl '' This is starting to have a negative impact for me at work and I can't leave my phone on because she is calling from different numbers. What if I have any emergency and someone is trying to reach me because of my daughter? It's too much and it's causing me anxiety. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-25 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: PA

Complaint narrative:
On XX/XX/2019 I had a XXXX XXXX credit card issued by Chase Bank. I was charged the annual fee of XXXX dollars. I paid this amount. About 10 days later my account was frozen and then chase decided to close my account. I believe they committed fraud as my credit history couldn't have gone from giving me a credit limit of XXXX dollars to closing my account in less than 3 weeks. I would like a refund of the annual fee go towards my account balance or my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In an attempt to lower my interest payment on the loan, I made an arrangement with an agent of Bank of America ( my loan financier ) for a bimonthly payment of the the monthly dues 1/2 afront. To that effect I authorized the bank to draw the preset sum of {$340.00} at the start and the end of every month beginning the start of the loan period. The bank requested for authentication and I did authenticate as per their standard procedure and I do have the records to that effect.they started drawing money from my account for a while then for no apparent reason they simply failed to collect, I was informed that I was behind on my payment and needed to come Up with a payment to be up to to date on my loan and did as per their request. Having regularly collected for some Months they again failed to collect and failed for reasons I have yet either my bank or Bank of America had answered me satisfactorily ask for your help for them to do. Now they have come and repossessed my car for non payment of their dues and they have notified me that I need to pay the loan in full to get my car back .I feel this to be an insult to injury, they failed to collect their money for no apparent fault of mine in the first place then they repossess my car on the top of that they demand full payment this I fell is no less than a mob justice and  mob execution that simply couldnt and shouldnt stand here and now. Should there be a need for further evidence and documents to support my claim and complaints I-stand ready to provide you. 

Sincerely XXXX XXXX Pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
LVNV Funding ascertained my XXXX XXXXXXXX credit card debt. Upon securing the debt for pennies on the dollar, no attempt was made by them to inform me of their ownership of my said debt. I found out while paying off derogatory marks on my credit report. This was XX/XX/XXXX. 
XX/XX/XXXX I have paid off the debt to them in full, in full mind you, to which it still has open on my report. Several calls and letters issued asking to please remove it or at very least to close the account. 3 years they let my intrest accrual and now after being paid, they won't close it. It's killing my chances of improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I called credit control to advise them that I did not have an agreement with them for any amounts owed and I had a conversation with one of three agents and I was threatened that if I didnt pay they would sue me and garnish my wages. That is illegal according to the FTC act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I opened an account with Coinbase to buy cryptocurrency last month. I invested and deposited around XXXX $ in the Coinbase exchange and in XX/XX/XXXX Coinbase blocked my account and asked for some bank statement and ID card for verification. Its now almost two weeks and my account is still blocked and I have no access to my hard earned money which is stuck in their account. I called them 16 times and they keep telling me to wait. I have XXXX kids and have to run my personal expenses but I can not as my money is locked in their system and I have no way of getting my money back from Coinbase .i am loosing money everyday because the trade I did is now hanging in Coinbase with me no access to my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: UT

Complaint narrative:
on yearly review XXXX XXXX and XXXX closed session on review of credit and would not allow me to dispute charges wanted to charge me to reopen and file disputes

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 2019-05-25 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: EQUIFAX, INC.
State: UT

Complaint narrative:
on yearly review XXXX XXXX and equifax closed session on review of credit and would not allow me to dispute charges wanted to charge me to reopen and file disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: AR

Complaint narrative:
WE NEED XXXX XXXX ARRANGE A CONFRENCE CALL BETWEEN, EXPERIAN, XXXX XXXX XXXX AND MYSELF AND XXXX XXXX, POA ADVOCATE.TO CORRECT THE WRONGFUL AND INACCURATE AGREVATED CREDIT REPORTING, AS THEY ARE AWARE, AAL OTHERS BUREAUS DELETED THIS ACCOUNT ALREADY.PLEASE CALL ( XXXX ) XXXX. XXXX XXXX, AS OF TODATE IS REPORTING A CHARGE OFF {$17.00}, XXXX, WHEN IN FACT HAS A BALANCED OWED OF ONLY XXXX, XXXX, SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company : Leader One Financial [ Mortgage Company ] Location : XXXX, Texas On Tuesday, XX/XX/2019, I received an email from XXXX XXXX asking if I found a home in the XXXX, Texas XXXX over the weekend. I informed XXXX that I found a home and that I am currently under contract at this time. XXXX called my realtor and got into an argument with her, because he felt that she should have provided him with the information about the terms of the loan and that she ( realtor ) should convince me give him the opportunity to match/beat the loan. XXXX began to argue with the realtor and when things did not go his way, he hung the phone up on her. I ( consumer ) received an email from XXXX asking for the opportunity to beat the loan. My realtor notified me about the incident that took place between XXXX and her ; which made me upset and I did not want to do business with this firm anymore. 

On Wednesday, XX/XX/2019, I received a call from XXXX XXXX ( employee at Leader One )  about the incident. XXXX XXXX tried to persuade me to provide him with the information about the loan, which I did not have that information in my possession at that time due to being busy with other events. XXXX suggested that I find that information and provide it to him, so that he could match the deal. After our call, I received a second call from XXXX XXXX on the same day regarding this information, however, his tone was abrasive, aggressive and demanding. XXXX XXXX began screaming and yelling at me, because I had not provided him with the information that he requested two hours prior. He kept screaming : you have not gave us the opportunity to match the loan. I had not raised my voice at XXXX XXXX at anytime ; but he felt that he could use his position, XXXX ( male ), ethnicity ( XXXX American ) and age to intimidate me. I was not moved and was firm about my decision. XXXX XXXX tried to use reverse psychology on me, which did not work since I have a degree in this field of study and I informed him of this matter. XXXX XXXX began to yell : I am done with you. I have done everything to try to help you. I am done with you. I explained to XXXX XXXX that he has done nothing for me and that I have done everything on my own to get myself into position to receive a mortgage. 

After our conversation, I contacted the corporate office and spoke to XXXX ( I did not get his last name ) about the incident. XXXX listened to my concerns, but seemed to take stand in position with his staff and justify their behavior. Although he informed me that he would speak to his staff about this matter, I was not convinced that he took this matter seriously. For all of the reason stated above, I am filing this complaint to notify government officials about this matter and stop this from happening to anyone trying to obtain a mortgage loan from this firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: IL

Complaint narrative:
On XX/XX/2019, I submitted a letter to Trans Union concerning XXXX XXXX  account # : XXXX. I received a letter from Trans Union on XX/XX/2019, File # : XXXX, stating the disputed item was deleted from my credit report. Shortly thereafter I received a credit report from Trans Union on XX/XX/2019, the deleted item was reinserted back on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( a ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I DID NOT receive NO such notification! This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their disregard for the law. 
I DO NOT consent for Trans Union to use XXXX or any other automated verification with this matter. 
I never receive anything in writing from Trans Union concerning the reinsertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX of this year, I applied online for Conn 's account which was approved. I purchase washer and dryer. I paid cash for a mattress because by the time I went to store, I had to reapply. My credit limit was lower I paid for mattress. I selected washer and dryer from clearance center. I never receive any disclosure about interest. I was told it would be approximated $ XXXX/mo and I would be email receipt. I never receive the receipt but made multiple calls to complain washer did not work and mention I never go the receipt. About 3 weeks later, I made a trip to store and complained about not getting receipt. I was given I stack of papers in which I decided to read when I got home. To my dismay the interest rate was 29 %. and there was some sort of processing fee which was never disclosed. I have disputed this with Conns customer service because for one, my washer is still not working properly and I requested them to pick up the product because financing details were never disclosed. They stated the product would be auctioned and I would be responsible for balance. So here I am seeking justice from company ripping off consumers. To date I have refused to pay any additional money until this is resolve with reasonable interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: NC

Complaint narrative:
I disputed some credit reporting information with Equifax. They have sent me multiple emails regarding the information and how they have dealt with it, however, when I go to retrieve the information I can not access it. The online dispute center is either down, or it asks me to verify information that does NOT belong to me. Then I am told they are unable to get the information and I must speak to a representative. The information I am asked for belongs to my sister whom I shear a birthdate with- the month and day are the same, but the years are different. At this time we share an address as I am currently living with her, however, our credit information is NOT based on our living situation OR our birthdates. How in heaven am I able to get the proper information if this company will not allow me to access it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX placed unauthorized charges on charge account. Internal account activity generated a fraud alert where credit was suspended. Worked with XXXX XXXX NC store. Employee XXXX made numerous unauthorized transaction without customer knowledge. Surely this is illegal. Asked for District Manager XXXX XXXX. Waiting for Asst Mgr XXXX to return call. XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is regarding a Citi Bank credit card. I do my banking online. When i noticed a slight increase in my interest changes on my latest statement, I looked at my online statements and noticed an increase in my standard interest rate from 15.24 % to 29.99 %. I have promotional rates on my account that remained unchanged. I reviewed all of my statements leading up to the increase and saw no notification of a rate change. Citi said it changed on XX/XX/2019. They say that 29.99 % is a penalty rate. The account has never been paid late, nor gone over the limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX it was a hard inquiry but it just posted on my credit report on the XX/XX/XXXX my issue is I never applied or used national credit card/airline  I call XXXX XXXX sincarany bank am getting the run around my information is getting use with out my permission it scary

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 2019-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have contacted American Express to assist with a duplicate rental car charge to no avail. XXXX has an authorization on my account for {$390.00} and made an additional transaction ( authorized for $ XXXX posted for {$390.00} ) on XX/XX/XXXX and posted it without my permission. American Express has refused to assist in disputing the second unauthorized transaction, citing system constraints that prevent them from deleting transactions. I only authorized 1 transaction ( {$390.00} final posting amount- originally authorized for {$390.00} ) onXX/XX/2019with XXXX and have returned the rental car. However, my account has two ( 2 ) transactions, one for the correct amount and one for {$390.00}. I did not authorize any additional transaction on XX/XX/XXXX or XX/XX/XXXX when returning the rental vehicle.

Company response to consumer: Closed with explanation