vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXXXXXX and XXXX was no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
i went to california check cashing store to get get a pay day loan they said could not get one that i had one out already tolled me call XXXX XXXX   i told them i pay my loan on XX/XX/2019 and here is XX/XX/2019 and cant get one, so call the number they said that they didn : t have it call this number XXXX XXXX they said they sold it two another company and told me call XXXX XXXX XXXX i did not i remember getting something in the mail so i call them at XXXX XXXX XXXX which is not check cashing they said i was ok toll me go back to store if have problem have them call us back, then i was told no once more, because of another loan so call back number XXXX XXXX XXXX they because didnt meet criterion you can retry in one mouth, but the guy i talk too before said i would never be allowed to loan with them again, when iam paying mine loans, and how many people have my info what do i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CORELOGIC INC
State: IL

Complaint narrative:
Unauthorized inquiry/ inquiries.

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 2019-03-28 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Unauthorized inquiry/inquiries.

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 2019-03-28 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: IL

Complaint narrative:
Unauthorized inquiry/inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Unauthorized inquiry/inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed on XX/XX/2019 for XXXX dollars through XXXX XXXX and it put me in debt and made me overdraft so now I have to pay overdraft fees as well. I contacted chase bank and they refunded the initial amount then the claim closed and said they couldn't get the money back. I have talked to the police for the scam but more so than likely nothing will change so I'm hoping this can help return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a loan with BK OF AMER XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-03-28 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Unauthorized inquiry/inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
Unauthorized inquiry/inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal put a 90 day freeze on my money despite being provided copies of the contracts and agreements. 

On XX/XX/2019, a opportunistic former client wrongfully reversed payment for services I performed for her using PayPals online dispute portal. Copies of the service records, drafts, and dates of service was provided to PayPal and correctly, ruled the dispute in our favor. Now the client is disputing through her credit card. This is an dispute between the client and PayPal only. I have the documents showing an agreement with client for the amount of {$500.00} refund, a signed contract, and a confirmation payment through PayPal ; yet, PayPal refuses to release the money owed to me for 90 days. Meanwhile, they get interest from my capital. How is this legally ethical?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX I have a loan out with XXXX XXXX now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me 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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX I have a loan out with Lending Point now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA IS IN DIRECT VIOLATION OF FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE etc.

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 2019-03-28 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: DE

Complaint narrative:
My old XXXX XXXX account that was closed in XX/XX/2018 is being reported as 30 days late in XX/XX/3018, however this account was never late. I disputed this in XXXX, XXXX, and XXXX. Ive provided signed documentation from XXXX to Experian and CFPB, but this still remains as reporting late.

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 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Crow Creek Sioux Tribe
State: PA

Complaint narrative:
For XXXX I foolishly took out a loan through web loan not knowing it was 328 % interest. Online you can apply and a third party shoes who would lend you . I wanted to find a lower interest rate. I realized non of these loans are low interest and was unpleased and stopped the process. I made arrangements to pay the loan with my tax return. In XXXX I also made arrangements to aggressively pay off a bill I was very late on. I made arrangements for a monthly withdrawal. I called this company to see if I was officially paid off. As I had 5 payments of XXXX taking out of my account resulting in the payoff balance. They said I had not paid because the money was not available and they stopped auto withdrawals. I immediately panicked and grabbed all of my statements. XXXX  ( I thought the loan creditor ) turned out to be a payday loan. I never even heard of the company and did not accept or authorize any loan. I went through my back statements and saw in XX/XX/800 $ was deposited to my account. I had not noticed as my union was making retro payments for our new contract in about the same amount. I called the company and asked how they had access to my account? I didnt authorize, ask for etc. they said someone left a message saying congrats you got the loan ( my info must have been from seeking lower interest rate and not going with another such loan after researching them ). They said I also got an email which I found in spam. They said they had the right to sign my name even though I had no contact with this lender. I was extremely upset and told them to end the loan close it and put it in writing. They said I would need to file police reports on anyone who had access to my account. Which would be them. So here I am the loan I thought I was paying off didnt get paid, this company I have never heard of received XXXX $ of my money claim I owe XXXX $ more on this XXXX $ I never authorized. Is this legal. Im horrified, I feel stupid and my family is going to suffer for all of this lost money? Any help or advice would be appreciated I just can not believe it is legal without an approval?

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 2019-03-28 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened an account with CitizensBank using their landing page https : XXXX with offer code XXXX It clearly states I am entitled to a bonus of XXXX + XXXX after meeting requirements. Which in my case, has been clearly met. They also say the bonus will be posted after 90-145 days. This has also been met. 

I have contacted their customer service various times and was given boilerplate answers and they seem to be dodging the bonus pay out. I would request an official answer and a pay out of the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm concerned about privacy Neiman Marcus ascertained that I had a line of credit with the credit union I was with how they knew I had a line of credit I don't know the line of credit was used to pay my card in full and never reported to the credit bureau they reported it to as a charge off and a bankruptcy never a paid account it wasn't until the credit union gave me a copy of a cancelled check it was removed from the bureau never reported as paid. I worked there and my W-2 was never reported to IRS and social security as wages my address at the time was XXXX XXXX XXXX XXXX Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX XXXX XXXX or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told synchrony would reverse any fees generated. The account was notated but fees was not reversed. Reached out to synchrony a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a Synchrony bank error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted Synchrony bank and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a synchrony Bank error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.

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 2019-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX seasoned trust or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation