vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: IL

Complaint narrative:
I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5 % of my income. Why 16 loans? Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didnt even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
XX/XX/2019 I was denied credit by XXXX XXXX  due to SageStream , LLC credit reporting. 
However, I did purchase the vehicle finance by another Bank. SageStream , LLC is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: MN

Complaint narrative:
XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish (  {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have applied to Comenity Bank for the XXXX Card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am a home owner. I had Ocwen mortgage which is now PHH. I was sad to see Mr XXXX go since he knew the horrors of Ocwen. After twelve years of XXXX with Ocwen dealing with botch escrow accounts putting lender place insurance on my home 106 times and never giving me credit for it after it was discovered but taking it out of my loan then saying I was behind, robo calling, on and on I finally being XXXX cant fight any more and I let the home go to foreclosure. I have complained to you before about them. During the redemption period we had our realtor negoitiate a short sale. We have a buyer and Owen approved it. There relationship manager worked on this for 4 months. We have a buyer and a approval by Ocwen. theclosing was delyed because we were waiting for paper and lien removal from IRS. Then by that time PHH took over Ocwen. We were ready to close and they would not honor the short sale stating they dont allow them during the redemption period. They are much worse then Ocwen. There is no reason given. Of course you can never talk to the same person twice. XXXX XXXX is unreachable as are all the higher ups. Our relationship manager XXXX XXXX worked four months on this he is not sure if he is even working there. There is no reason to deny the shortsale we have a buyer. They will not have access to the driveway if this does not go thru as we own that and bought it separately and it does not go with house. In addition XXXX XXXX is part owner because they are removing dioxins from river. Why are these type of companies still in business. I know that they hire lots of former government officials in these areas and top executives go to the government as well from these companies. Yet millions of homeowners lost there homes and no one is doing anything. They dont want these horrible companies to go down. They just want them to get fined to death so they can keep there agencies afloat. Its a crime. 
Please help us. This is not right we have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase saving account ( account number : XXXX ). A fraudulent transaction was posted on XX/XX/30. I filed a claim against it and it was recovered. However, due to the fraudulent transaction, the balance temporarily fell below the minimal balance requirement and two fees were charged. I have been trying to contact via online message, phone call and banker at branches to resolve the fees but none of them worked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit report is missing reported debt. 

acocount information is as follows : XXXX XXXX date opened XX/XX/2019 balance {$190000.00} should be reported to Experian and is not being reflected on my credit report.

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 2019-08-09 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: BB&T CORPORATION
State: TN

Complaint narrative:
Noted on a recent copy of my credit report were late payments on an account I have with BB & T Bank   dating back to approximately 3 years. Knowing that something wasn't right, I called to request copies of past documents and was told they would be mailed to my home. A week passed and after not receiving anything by mail, I drove to my local BB & T branch. This time I was told documents would be mailed in 7 to 10 business days. Two weeks have passed and no documents. I looked back through my bank statements as far as allowed and Highlighted were my payments were made on time. According to my Credit reports, BB & T last updated this information in XXXX of XXXX, but more late payments are continuing to be reported through 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 2019-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: IA

Complaint narrative:
Between XXXX of XXXX and XXXX of XXXX, I was repeatedly given wrong information, and misled about the status of my account. I tried repeatedly to apply for economic hardship deferments, forbearances and income-based repayment plans, but was constantly denied. The reasons for denial were ridiculous. For example, they would claim that I didn't include information that I most definitely DID include as requested. Other times I was told I wasn't eligible, or that my request " was not an option for me ''. Actual people told me those things even though I was eligible. They lied. 
All this time, they very inconsistently reported information to the credit bureaus regarding the status of the account, which became delinquent ( according to them ) as I tried in vain to seek relief! Some months they reported, others they did not. Even when they did grant me a deferment for a few months, they still reported my account as delinquent to the credit bureaus. After my account was transferred to another loan servicer, I requested that the closed account be deleted from my credit report at all the credit bureaus. They have repeatedly denied this request, even though the payment history is grossly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
Credit report is missing reported debt. 

acocount information is as follows : XXXX/Movement Mortgage date opened XX/XX/2019 balance {$190000.00} should be reported to XXXX and is not being reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. TELECOM SELF-REPORTED XXXX, UTILITY SELF-REPORTED XXXX, TELECOM SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX-XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX  SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX (  Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX  XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX  , XXXX , XXXX , XXXX XXXX, XXXX , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Delete the following inquiries off my Experian credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights..Please remove XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
My 2017 XXXX XXXX XXXX has XXXX  miles I can’t drive it since the front wheel came off at 70 mph on XXXX in XXXX SC on XX/XX/2018 It was towed to XXXX  XXXX in XXXX  SC no one would help me because I’m a XXXX? I rented a car to get to a motel rest and go XXXX  to XXXX  FL. Warranty Coverage was denied because the service man said he never saw four lug nuts snap off like they did he said you probably took it to XXXX. The vehicle has only been service by the authorized XXXX  dealership I leased it from a another Authorzed XXXX Dealership in XXXXFL. XXXX the service man wouldn’t budge so I gave him $XXXX to order a new wheel and four lug nuts.Thank front tire had a slow leak repaired in XX/XX/2018 when the pass.side strut was replaced, that dealership denied they repaired a leak that day and had been called by XXXX at XXXX XXXX. For about $2000 including a rental car I wasn’t going to get upset or fight with very rude employees at a bad time. I paid to car hauler $XXXX to tow the car to my FL home where it’s sitting in my driveway because it’s unsafe to drive after sitting 2 months inXXXX SC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: MO

Complaint narrative:
The following accounts are not mines, I been a victim of the XXXX breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX  2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}

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 explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have constatnly contacted this agency about producing me with a copy of the original signed contract which is required to be produced to a consumer under the new UCC Laws. This company has yet to produce a original contract showing that I am liable for this account or that I signed and opened this accoutn in my name. Even after Credit One sent a letter sayign they are no longer tryign to collect on the debt this agressive unethical agency still persists to persue a debt they have not rightfully or lawfully validated. My next step is court. I have already retained counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I opened a account with USAA and it closed for no reason by USAA telling me that I had tried to run a scam by opening my account, would not give me the real reason. I was in the process of purchasing a car and the dealership who i selected must did not have a good rep with USAA so they closed my account because something that had nothing to do with me. In the process of filing a lawsuit because my account was closed without out cause and something that had nothing to do with me. It was not fair and I should not have had my accounts closed. They would not even tell me why my account was closed. I want my account reopened and a apology because I was accused of something that was not true.

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