vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: IN

Complaint narrative:
XXXX XXXX XXXX ( formerly XXXX XXXX ) should not be on my credit report. The credit report shows me owing XXXX XXXX {$7700.00}, and that is not correct. This company was listed on my bankruptcy ( case # XXXX ) which was discharged XX/XX/18.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: RI

Complaint narrative:
I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7 . XXXX XXXX   XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10.XXXXXXXX XXXX  XX/XX/XXXX 11. XXXX XXXXXXXX XXXXXXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX   XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX  XX/XX/XXXX 25. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 26. XXXX   XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX   XXXX XX/XX/XXXX 29. XXXX XXXX XXXX  XX/XX/XXXX 30XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX   XX/XX/XXXX 33. XXXX XXXX XXXX XX/XX/XXXX 34. XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX 35. XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX. XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXXXXXX XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 43XXXX XXXXXXXX XXXX   XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX   XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXXXXXX XX/XX/XXXX 49. XXXX XXXX XXXX   XX/XX/XXXX 50. XXXX XXXXXXXX XX/XX/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 2019-05-14 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: KY

Complaint narrative:
XXXX XXXX inncorrect payment XXXX payment on record XXXX Also XXXX XXXX should be dropped XXXX XXXX. 

XXXX XXXX should be still there XXXX. Paid. 

XXXXXXXX XXXX XXXX paid as agreed XXXX These should be on record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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:
!!!!!! This is not a Duplicate!!!! I have contacted XXXX XXXX and Experian about a fraudulent collection account being reported on my credit file. XXXX XXXX about a fraudulent debt that was placed on my credit report. Someone attempted to rent an apartment in my name and the fees associated with them submitting an application in my name have been attached to my credit file. I have contacted XXXX XXXX and told them directly the account they were reporting was fraud and they have been verbally abusive to me, and refused to remove the account from my credit file even though they know the collection is as a result of identity fraud. I have contacted XXXX XXXX in Experian 's Consumer Relations Department 7 times in total and left voice mail messages for him and he has never returned any of my very detailed messages. I was told by Experian to contact XXXX XXXX when I noticed information on my credit file that was fraudulent. I have done as I was asked to do, but in all of the 7 detailed messages I left for XXXX XXXX over the course of 2 weeks he has not responded to any of them and has not blocked the fraudulent collection account that XXXX has placed against my credit. I have provided XXXX XXXX and XXXX XXXX a copy of my very recent police report regarding the fraud that was committed against me and they both have refused to abide by the FCRA Section 605 B, and are defaming my character and intentionally inflicting emotional distress by reporting fraudulent information that they have both been told does not belong to me. I am attaching my police report to this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA 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 2019-05-14 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: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Transfer paperwork was submitted to XXXX in XX/XX/XXXX, on XX/XX/XXXX I received an email saying the transfer was completed. XX/XX/XXXX a collections item appeared on my credit report from XXXX, I never received a single notice & discovered this because I regularly check my credit. They never updated my forwarding address that was submitted on the paperwork, never completed the transfer & instead canceled my account before opening a new one in the new person 's name leaving me with a balance due when 3 separate representatives confirmed the balance was {$0.00} when the transfer was completed. I've gone back & forth with XXXX since XX/XX/XXXX, repeatedly being promised calls back & never getting any. XXXX Supervisors repeatedly unable to explain why the transfer wasn't completed, my address wasn't updated or why the transfer paperwork isn't on file. This has ruined my credit & caused me about 9 months of pain & suffering trying to resolve this. XXXX failed to keep legal documents on file & continue to try to cover their own XXXX with a new excuse each time I follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: DC

Complaint narrative:
Equifax makes it extremely difficult to obtain a free annual credit report. The other two agencies, XXXX   and XXXX, let the consumer apply for the report online and receive the results online. Equifax makes the consumer write a letter requesting the information and mail it in. 

I applied online at XXXX to all three agencies for my free annual report on XX/XX/2019. I accessed the reports from XXXX and XXXX  almost immediately online and was able to download them. Since Equifax does not allow online access to its report, I asked them in the same online request to mail a hard copy of the report to me. On XX/XX/2019, I called Equifax to tell them I had not received the report. I was told that they had not received my request and, in fact, do not accept requests online and I would have to put the request in writing. I was given a long list of instructions and information I had to include in the written request. I then found a telephone number ( XXXX ) on Equifax.com which indicated I could call and request the report ( contradicting what I had just been told by the Equifax representative ). I called the number and gave all information as prompted by the Equifax telephonic robot. To date, I have not yet received the report. So, it appears I will indeed have to type letter requesting the report, print it out, pay for the postage and take it to be mailed. ( Given everything else, should I send it return receipt request at yet another additional cost? ) I have had similar problems with Equifax in the past. Equifax should be made to operate by the same standards and in conformity with the other two agencies. It is unfair and burdensome the the consumer to have to jump through Equifax 's hoops in order to receive a free annual credit report as required by law. Equifax 's dilatory tactics could cause any number of problems to a consumer who needs the information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I have reported in the three credit  companies XXXX, Transunion and XXXX an account for {$500.00} XXXX XXXX XXXX XXXX XXXX. That account I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/2019 during a phone conversation with FHA representative the Real Estate Settlement Procedures Act was brought to my attention. Specifically, that all borrowers are entitled to an itemized statements of actual settlement costs. The one I received is for lack of a better word a joke. ( See Attachment # 1 ). I contacted escrow/title officer XXXX XXXX at XXXX XXXX XXXX via email and requested she give me an itemized settlement showing who was paid and how much and was was paid from cash to close and what was to be paid from the loan amount. She directed me to contact the servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Good morning. 
I opened a credit card account with HSBC in order of transfering funds from a high interest credit card. I was approved and the transaction for such transfer went into effect on XX/XX/19. However I noticed that my high interest credit card never received the funds. A few days later I called customer service and I was informed that the funds could take up to 20 working days to take effect. I waited those days but I kept calling the company to follow up in the status. I began to notice that the authentication process could not recognize my phone number nor my PIN and I had to use internet banking everytime for authentication. 
A month passed and I was charged $ XXXX because according to them the money had been transferred and I was late in the payment ; so, as they put it it was better to make the payment to avoid damages to my credit. I kept calling and at last they say that some information was wrong and that the transfer never took place. Moreover, they say that because more than 16 days had passed I was not eligible for the 18 month no interest. I refused to re-transfer the funds as the purpose of me opening that account was precisely the no interest for 18 months. They offered to reverse the transaction and refund my payment. Yet, on XX/XX/19 at XXXX XXXX I received an e-mail telling me that my payment was due. I called them back and they say that they were charging XXXX for fees involving the transfer and I was already late. I had no other option that to pay the remaining due for that fee on XX/XX/19. Still they are charging me a late fee of $ XXXX that expect to see it reflecting soon. I must add that no bill was either delivered or e-mailed and I only received a letter confirming the reversal of the transaction. 
At this time that company can't answer why I can't be authenticated using my phone number which I used before with them, nor why my pin is not recognized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX, XXXX, IL to purchase a new vehicle. 
I brought my own XXXX XXXX XXXX XXXX Approval with me to the dealership and told them this is what I wanted to use. 

XXXX XXXX ran Hard Inquiries through all the companies below, which brought my credit score down over 100 points, and remains on my credit report, without notifying me. 

Upon contacting XXXX XXXX XXXX department they stated that there was no way that the hard inquiries would stay on my credit report and to just " NOT WORRY ''. 

This dealership has destroyed the credit that I had rebuilt to be able to purchase a new vehicle. I was also planning on purchasing a new home within 6 months of this " ordeal '' and was told by a Mortgage Lender that the hard inquiries had diminished my credit score to a level where I could no longer purchase a home. Just 30 days prior to XX/XX/2018 I was approved for a Mortgage up to {$170000.00}. 


XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank  XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank Fin Inst Len Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX I Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance   XXXX Auto Dealer Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2018 All Banks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Credit denial
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX, XXXX, IL to purchase a new vehicle. 
I brought my own XXXX XXXX XXXX XXXX Approval with me to the dealership and told them this is what I wanted to use. 

XXXX XXXX ran Hard Inquiries through all the companies below, which brought my credit score down over 100 points, and remains on my credit report, without notifying me. 

Upon contacting XXXX XXXX XXXX department they stated that there was no way that the hard inquiries would stay on my credit report and to just " NOT WORRY ''. 

This dealership has destroyed the credit that I had rebuilt to be able to purchase a new vehicle. I was also planning on purchasing a new home within 6 months of this " ordeal '' and was told by a Mortgage Lender that the hard inquiries had diminished my credit score to a level where I could no longer purchase a home. Just 30 days prior to XX/XX/2018 I was approved for a Mortgage up to {$170000.00}. 


XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank Fin XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX  Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: RI

Complaint narrative:
I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7 . XXXX XXXX/XXXX  XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX/XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX/XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX/XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX/ XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX   XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX/ XXXX XXXX XXXX XXXX   XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX  XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30.XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX 34. XXXX XXXX XXXX XXXX XX/XX/XXXX 35. XXXX XXXX/ XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX   XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX  XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX  XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX   XX/XX/XXXX 48. XXXX XXXX XX/XX/XXXX 49. XXXX XXXX XXXX XX/XX/XXXX 50. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: RI

Complaint narrative:
I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX   XX/XX/XXXX 22. XXXX XXXX XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XXXXXX/XX/XXXX 24. XXXX XXXX  XX/XX/XXXX 25. XXXX XXXX XXXX XXXX XXXX XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX XXXXXX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30.XXXX XXXX XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XXXX XX/XX/XXXX 34. XXXX XXXX XXXX XXXX   XX/XX/XXXX 35. XXXX XXXX XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXXXXXX XX/XX/XXXX 49. XXXX XXXX XXXX XX/XX/XXXX 50. XXXX XXXX XX/XX/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 2019-05-14 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: RI

Complaint narrative:
Yes I checked my report and notice some inquiries I didn't authorize.. 
1.   XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.  XXXXXXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5XXXX fXXXX XXXX XXXX XX/XX/XXXX 6. XXXX  XXXXXX/XX/XXXX 7. XXXX XX/XX/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 2019-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Americash issued a loan to me in access of 22.5 % of my gross income which is more than the legal amount for IL My gross income is XXXX and the max amount allowed is XXXX The interest on this illegal loan is contractually void Americash was aware of a first installment loan i had taken out in XX/XX/XXXX, which also disqualified me for a new loan based on my income. 

The contract is void as it violates IL laws Illinois State Information Legal Status : Legal Citation : 815 ILCS 122 et  seq. 

Loan Terms : Maximum Loan Amount : lesser of {$1000.00} or 25 % gross monthly income. Payday installment loan lesser of 22.5 % gross monthly income or {$1000.00}. 
Loan Term : 13 to 120 days. Payday installment loans 112 to 180 day terms.

Maximum Finance Rate and Fees : {$15.00} per {$100.00}, plus a {$1.00} verification fee Finance Charge for 14-day {$100.00} loan : {$15.00} APR for 14-day {$100.00} loan : 403 % Debt Limits : Maximum Number of Outstanding Loans at One Time : Two Rollovers Permitted : None ( can not rollover ). Payday installment loan can be refinanced one time during term.

Cooling-off Period : 7 days after 45 consecutive loan days. Payday installment loan max 180 days in debt.

Repayment Plan : Yes. After 35 days, if payday loan unpaid, right to at least 55 days to repay in installments with no added cost.

Collection Limits : Collection Fees : One {$25.00} NSF fee ( Presentment limit = 2 ) Criminal Action : Prohibited

Company response to consumer: Closed with explanation