vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Manor Resources, LLC
State: IL

Complaint narrative:
I called several times onXX/XX/2019 to complete my loan payoff and receive my title and lien release. I was told that I would not receive my title until at least a minimum 17 days but it could be 20-25 business days ... easily more than a month from now. I explained to each individual ... including an individual who identified himself as the floor supervisor and gave his name as XXXX XXXX ... that Illinois law REQUIRED them to release and return my title within 24 hours after payoff. Each individual I spoke to refused to acknowledge law an just repeated their in-house protocol.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
We rented an apartment XX/XX/2011.We were offered XXXX XXXX  to cover a large deposit instead.We found a home after two years of renting.I was under doctor care.So I was a XXXX. Two years after we moved. we started getting threatening calls from XXXX saying our family Cat XXXX all over. Which is an out right lie ... Our cat was a XXXX XXXX XXXX, indoor.And we were pristine tenants.The company was saying terrible things about what he would, or could do to us.It was horrible. Now after 6 years after our move.They still refuse to take me off the Credit standing and since contacting about not paying and their harrassment, abusive false claims. They are adding more to their balance. This company should be put in jail for their horrible threatening, dishonest scam, money collection practices ... We WILL NOT PAY, BECAUSE IT IS LIE..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I am entitled to a reimbursement of {$640.00} that was paid to XXXX Univeristy by my employer, the XXXX XXXX XXXX. XXXX received the credit voucher in XX/XX/2019. The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX  Integration on XXXX XX/XX/2019. I contacted Heartland XXXX   Integration today, XXXX XX/XX/2019, asking when they would release the money, and was told two different dates, the first date was they will process it on XX/XX/2019 then approve it on XX/XX/2019, and the second person said they might process it on XX/XX/2019, and maybe approve on it XX/XX/2019. This is ridiculous, I requested they release the fund today, and they stated NO. I need this money, and it should be illegal for any company to hold money that is legally not theirs for any length of time as an attempt earn interest on money that does not belong to them. I am requesting you investigate this company for holding money as an effort to generate interest at the expense of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Call BarclayCard seek a hardship program, the option that they offer me did not help reduce my debt. In fact, they could not tell me how much my debt would be after I enter the program. I spoke with an agent, then the supervisor ( XXXX ) she could not either tell me the ending balance after the 12-month program. The program would closed the account and give me a reduced interest rate of 5.90 % for 12 month, after that the interest would go up again. 
XXXX offer me a program that closed the account and split the current balance in 60 monthly payment, no interest. This much more helpful, and defiantly help me avoid a bankruptcy. 
Barclays Card deceptive and misleading practices should be regulated, companies like that should not be allowed to take advantage of the public. Thank you. 
They deliberately were putting me on hold, i spent more than 30min on hold.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I called the customer service department requesting that my account be closed they refuse to close my account saying that I had to send them my driver 's license or social security card and a letter with my address on it I told them that at the time I applied for the credit card I gave them my driver 's license which had my picture it had my current address on it and it had my driver 's license number on it I asked them to close the account they refused to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 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: WA

Complaint narrative:
I had called EXPERIAN IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from XXXX XXXX XXXX. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from EXPERIAN. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. 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 2019-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
MR. COPPER OR NATION STAR MORTAGE HAS WITHHELD {$2000.00} PAYMENT FROM US. THEY SENT A CHECK TO XXXX XXXX HOWEVER XXXX XXXX   REFUSED TO CASH THE CHECK BECAUSE THEY HAVE NO RECORD OF AN ACCOUNT IN OUR NAME. THIS ACCOUNT WAS DISCHARGED IN A XXXX BANKRUPTCY.. 

AGAIN, XXXX XXXX TOLD US THEY CAN NOT CASH THE CHECK AND RETURNED THE CHECK TO MY WIFE AND I ; WITH MR. COPPER OR NATION STAR MORTGAGE NAME ON THE CHECK.

NOTE : WE WENT TO A LOCAL BRANCH OF XXXX XXXX AND THEY TOLD MY WIFE AND I THEN, IN XX/XX/XXXX THEY COULD NOT CASH THE COOPER CHECK. 
PLEASE INVESTIGATE MR. COOPER / NATION STAR MORTGAGE AND HAVE THEM REFUND THE MONEY TO US $ XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1.XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello I check my credit and I see there a auto loan for XXXX on my EQUIFAX REPORT NOT XXXX OR MY XXXX REPORT. I BEEN SENDING IN ALL MY LEGAL DOCUMENT TRYING TO DISPUTE WITH EQUIFAX FOR A WHOLE YEAR. IM NOT UNDERSTANDING HOW IS EQUIFAX VERIFYING THE INFORMATION AND YOU NEVER SENT ME NOTHING IN WRITING. I NEED HELP TO INVESTIGATE MY SIGNATURE AND ADDRESS ECT. THIS IS NOT ME. I NEVER HAD THIS ACCOUNT XXXX XXXX XXXX THE ACCOUNT # XXXX. MY IDENTITY WAS STOLEN WHEN MY PURSE WAS SNATCH YEARS AGO. IM IN XXXX WHERE ITS KIND OF RUFF AND DANGEROUS WHERE ANYTHING COULD HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I was a patient at XXXX XXXX ( hospitsl medical ) in XXXX XXXX, Ohio.The First Federal Credit Control put 8 seperate reports on my credit report. They itemized the indivual daily charges. There 5 at XXXX.. XXXX.. XXXX.. {$61.00}. 
This has affected my credit report as well as my score. If they add all charges into one derogatory credit, it will improve my report and score tremendously. I was under the impression that medical bills not supposed to be on reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is my first time filing for bankruptcy and I was told per my attorney that, a credit company that is listed as a creditor can not in any shape of form request, change or collect any monetary payments. XXXX is plastering late payments and adding extra fees the account. Instead of reporting close and removal of late fees, XXXX   is steadily adding late fees and late payments to the credit report. I have 6 late fees reporting and they need to be removed from all credit reporting agencies. 

The photos listed is how all of the accounts are reporting. There is 6 on time payments so why not remove the negative? Why not let the past go and move on to the future?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: UT

Complaint narrative:
The company is one main financial I do have a loan I am making payments on they call me 2 to 5 times a day every day except Sunday I submit payments monthly of the amount owed and they still continue to call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates has purchased an account from XXXX XXXX that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is against XXXX and Experian credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX  XXXX XXXX, account # XXXX open XXXX 2013 and the second account is from XXXX XXXX XXXX, account # XXXX date open XXXX 2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.

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 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I did not receive notice of this collection until it appeared on my credit report. XXXX. I didn't receive any phone calls making me aware of this debt. The company collecting debt is Amcol. The date of service for the debt XX/XX/XXXX18. 
Contact # XXXX. The provider of service was XXXX hospital of XXXX mich. My credit score was damaged, I was not aware of this Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
after my 2nd and 4xs multiple attempts this afternoon to contact equinox and get my annual report, the online portal doesn't work, I was verified by 2 people who offered me final report by mail. no one in 6 people today could tell me who or why the online system wasn't working. I mentioned that, I was seeing that equifax had many online products and services, yet they were not adhering to making the annual credit report available as required by law. The agents asked questions like '' what was the month and year you last received a credit report???? how would anyone remember??? I was asked the payment, balance and monthly payment for 4 accounts and then 3 or 4 more questions ... .Equifax is absolutely stonewalling consumers out of their annual credit reports. PLEASE let me help you sue them!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XXXX and they were not even established as Fay Servicing until XXXX. Furthermore XXXX held my mortgage in XXXX to XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I only got report back from XXXX XXXX, associating myself to addresses and such, but it never showed my credit score, it was just blank, meanwhile the other two credit check companies weren't available or inaccessible, so I am still in the same situation I was in before not knowing my credit score

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
This complaint is in regards to a credit balance refund that I have not received yet on my XXXX credit card. 
XXXX XXXX There was a negative balance of {$80.00} XXXX XXXX Sent an email to Macys requesting a credit balance refund check XXXX XXXX Emailed XXXX stating I didnt receive a check yet XXXX XXXX Called XXXX customer service regarding the check Ive never received yet. Customer service agent said it would recieve it in 7-10 business days. 
XXXX XXXX Called XXXX customer service again stating check has still not arrived. 

It is now XX/XX/XXXX and I still have not received my credit refund balance check of {$80.00}

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 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX has purchased an account from Capitol One that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX

Company response to consumer: Closed with explanation