vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XX/XX/XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/XXXX, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XXXX XXXX, I  never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act 2009, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/2018, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" " '' I have disputed this Public Record on this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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 — Overcharged for something you did purchase with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have complained about PNC Bank previously for the same problem, but then fractured my spine and did not feel well enough to follow through with my same complaint. Please look it up as they are doing the same again. 
Whenever I close my VIsa Travel card and have a {$0.00} balance, when they open the new card, it also has a {$0.00} balance, but then shortly thereafter they take a purchase I made on the previous card and put it on the new card WHICH I HAVE NOT USED YET. They say that it was for something that had not been paid, but I know that I had paid off the previous card in full. In addition, they hide all my transactions from me, from the previous card and the current one, so that I can not track any purchases on line. I do not use paper statements. 
They have done this over and over. I am retired, but even if I weren't, no-one should have to deal with such behavior. They will also delete a purchase that I paid for on a previous card so that it only shows up once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have a XXXX XXXX credit card. I have never opted into the over the limit program, never been late, never been over the credit limit. 

On XX/XX/XXXX Chase flagged my credit report as over the limit The following attachments prove I have not gone over the limit. I was able to confirm I never gave Chase permission to allow purchases to put the balance over the limit. 

I spoke to Chase and asked have I ever been over the limit ever? Chase ;  no Then why are you reporting derogatory information on my account. 

Chase then escalated the call and the supervisor told me Chase aggressively reports against consumers even if the information is false. 

Chase has a terrible system in place to hurt consumers credits first before reviewing anything that might hurt consumers credit. There is no oversight and the entire reporting policy is anti-consumer. 

Additionally, we have an account from a previous time that was paid late due to moving houses. The account was paid within grace period but marked late on XX/XX/2014. Chase refused to remove the information from my credit report, even though the history proves we have never been late on this account. 

Again, Chase credit reporting is anti consumer and overly aggressive to the point it is hurting consumers that are actually excellent customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a credit freeze on my Experian account and have been trying to change my PIN due to their recent breach. I have tried calling Experian, and have entered much personal information on the phone, but all I get is a dead end with no option to change my PIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had a personal loan with citibank now for several years of XXXX. I have made my monthly payments, ontime. I have tried to pay off my loan, 3 times, the first time I called and kept getting passed around and never got a resolve. Then I sent a check, and it got returned. The latest just this past week, my bank sent them a payment and citibank again rejected it and returned it. I have asked for a lower interest rate, they declined, I have tried to pay it off and they returned. They have me locked into this loan, paying their interest rate with no payment options other than paying hundreds interest. As a consumer, I should have options. I want to get out of this loan immediately, and I never want to hear from them again. Terrible bank!!! Don't bank or take a loan from citibank, they are faulty loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
When I applied for loan with CashNetUSA they could not tell me how big payments are going to be. My first payment was about {$120.00} and was taken twice a month. After that payment was {$220.00} and keeps climbing up. It seems I am just paying for interest. Next payment is coming up on XX/XX/XXXX in the amount of {$300.00}. When I contacted them they emailed me to inform me about interest rates and promised to work with me to help me. If I knew what will happened I would never get a loan from them. Even now I dont know what my next payment is going to be. I think its not fair on a credit line of {$1400.00} to make payments of {$600.00} a month. And my balance is still the same.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Am I behind on Payments- Yes! But to keep calling my place of work a million times a day is harassment! This is the second time that I have asked not to call me at work but on my cell phone! I will definitely work out some kind of plan where I can have it deducted from my account each time I get paid but please please please please stop harassing me at my job!!!!!! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
They have called every day for Months several times daily. From different numbers. While am at work and even at night. 
Called 6 times in a row on day. 

XXXX XXXX XXXX XXXX provided horrible service. I have on record with them how much of problems I had with this system it's on for the termination of the contract that I owe, because no one informed me it was a 2 YEAR CONTRACT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was trying to get my mother 's name off of the loan because she passed away on XX/XX/2018. I contacted Fifth Third Bank to get her off the loan and they said they would they would just need the death certificate. I mailed in the death certificate and they have it on record that she died, but they won't take her off the loan. I asked why and the customer service rep said he doesn't do that. I asked for documentation about this policy and he said they didn't have any policy, but it's an internal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I got a few calls from this company and they listed their name on my voicemail ; now my wife knows ... .. We're getting a divorce ... .. They should never say their name on a voicemail .. Please help and stop them ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover card decided to close my account based on wrong information provided by another credit card company to my credit, which I advised was being disputed. My history with them of 5 years was clean, never made a late payment or minimum payment and card was 100 % paid off. They are aware the closing will furthermore affect my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : 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 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
Received a phone call from " XXXX '' with diversified Consultants asking me to pay a XXXX bill of over {$1000.00} that went delinquent last year. I informed him that I haven't had XXXX for 7-8 years and he hung up on me.

I then called back and was told that since I said tat they had a wrong number they won't be calling back. I stated that if there were an account in my name I wanted to know where it was located and they then asked for the address. I said that I wasn't providing that information and wanted to speak to a manager.

I was then placed on hold and " XXXX '' ( a different voice ) said that he was the supervisor and that sine i wouldn't provide an address and had told them they had a wrong number they would put me on a do not call list. I expressed several times that i wanted the address and was told that since I stated they had a wrong number they would be providing me someone else 's information and they weren't going to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: NC

Complaint narrative:
I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. Equifax on the other hand. No so receptive. I've made multiple disputes we with Equifax. I had a Mobile home loan opened in XXXX with XXXX XXXX XXXX XXXX. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. Equifax is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ XXXX XXXXl ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that Equifax contacts him. Equifax is requesting XXXX XXXX to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call XXXX XXXX the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
On XX/XX/XXXX, i borrowed {$1300.00} from speedy cash and the first payment was ok {$77.00} and after that they were {$140.00} every other week and i am now unable to make these ridiculous payments cuz my hours have been cut at wk. I notified them but all i get now is i owe {$270.00} on XX/XX/XXXX, i am in default and i have sent emails and i get no reply i dont have a phone right now and i have asked for help maybe lowering the payments for a month or so they say to contact them if u cant make a payment and they will work with you. All they do is extend it 4-5 days out and tht dont help either! I am deperate i have called about filing bankruptcy and i may have to and i dont know what else to do.

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
I solicited the service of a company that advertised to provide an online trading platform for Stocks and Commodities. After using this merchant 's platform for well over a year it came to my attention that this merchant is not licensed to trade in these regulated financial markets and that the " trading '' platform I was using was a manipulated trading platform with no connection to any of the financial markets that the merchant had advertised to provide access. Furthermore because the merchant is not licensed and regulated means he can not provide a segregated trading account for trading, so, when my card was charged the money went directly into the merchants private bank account and not a segregated brokerage account. 

I requested my bank raise a chargeback for " Service not as described '' and my bank has refused to assist even though I have shown my bank on various occasions that my situation is explicit within MasterCard 's chargeback guidelines. 

The bank has informed me that because the charges are older than 120 days that they do not have chargeback rights. I told the bank that the service provide was ongoing and that I only cancelled my service on XX/XX/2018 and that according to MC the 120 begins from the last date of expected service. All of this is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I was recently unemployed and fell behind did everything in my power to keep up however loss mitigation seems to deter me at every chance after submitting all required documentation they would state they needed just one more document then I would send it then they would do this several times in the end denying me for missing documentation and that I would need to start the process all over again they did this three times to me I cant get caught up due to late fees and they refuse to accept payment and I asked what that is for reinstatement they said they dont know they would need to pay XXXX dollars to lawyer to get that information and it could take over a two day period this is ridiculous I owe XXXX thats it and they cant help me catch up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
They are threatening me with legal action and I have no knowledge of this account. this is through a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Mass amount of daily calls from Lowes Credit card. Sending them a letter asking them to stop. 

call log Monday XX/XX/2018 XXXX XXXX, XXXX Sunday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX Saturday XX/XX/2018 XXXX XXXX, XXXX Friday XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX, XXXX Thursday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX wednesday XX/XX/2018 XXXX XXXX, XXXX Tuesday XX/XX/2018 XXXX XXXX, XXXX, XXXX Monday XX/XX/2018 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 non-monetary relief