vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I requested a loan from XXXX XXXX XXXX in XX/XX/XXXX and was approved for {$300.00} on the XXXX of the month. Every two weeks {$100.00} was taken out of my account and I was notified a couple days before every withdrawal, but when I tried to contact the company and access my account on their website to keep track of the withdrawals and the payment schedule I was denied access. I finally got through to a customer service rep weeks later and told them my problem. They set up the prompt for me to access the account and told me my ridiculously high interest rate. I was then able to see all of the scheduled payments all the way to XXXX of XXXX. I called back the rep and I had a lengthy discussion about why are all of these payments scheduled to be withdrawn. She told me the payments are to cover the interest i agreed to went I took the loan. I told her I was unaware of this and would n't have agreed to this if I knew, especially since the loan was for such a small amount. She told me I could pay off my loan at anytime, by paying twice what I borrowed. I do n't think this is fair and I 'd love for someone to look into what can be done for people like me who are being preyed upon in their time of need. I wanted a loan to assist with my car 's engine issue which is already {$4000.00} and for me to get {$300.00} and have to pay back almost {$2000.00} plus, that I did n't even borrow should be considered a crime. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.

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 2018-01-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.

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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have already lodged a complaint but apparently i did n't word this correctly. According to the law Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. I watch my credit and everything owed very very well. I have management services and monitor my credit weekly as my soft inquiries will show you. I was NEVER contacted about this debt until it was reported on my credit. At that time, i disputed because some other Medical Bills happened to come thru as well that i started a payment plan on with the same Medical Facility. Once the dispute came thru i received my first piece of mail from this company. They obviously had my address, and when i called to have them correct the issue properly they knew who i was by my telephone number. This is " parking '' debt and its not fair to the consumer which the cfpb seems to hold strong ground on. Again, as stated before. I know this is my debt and i know its something my insurance should have paid. I will in righting here agree to settle, start a payment plan until the insurance pays what they should, but thats only when this company does this correctly. The day they remove this from my report and do this legally is the day you we start a payment plan to settle this. Parking a debt is illegal and damaging to the consumer. This is my last attempt before retaining my council.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have my loans consolidated with XXXX XXXX. In XXXXXX/XX/XXXX, I was told that I had to re-certify to stay on the IBR plan. I sent in all of my information and uploaded my documents to the site as needed/requested. I contacted XXXX XXXX in XXXX because I still had not heard back from them regarding my new IBR plan/re-certification. That did n't make sense to me at all. I also continued to make all of my monthly payments and did not miss ANY payments. I was told that because I had applied for permanent/total XXXX, that my IBR paperwork had to be re-submitted. I was told by my doctor that even though I have XXXX  XXXX XXXX XXXX, that because I am still working that I did not qualify for total XXXX. I did not send that paperwork in. I STILL made all of my monthly payments while my account was in deferment. I did indeed re-submit my certification for the IBR plan in XXXX. In XXXX, my account shows DELINQUENT and PAST DUE. SEE BELOW. My IBR was approved for {$270.00} beginning in XXXX, yet XXXX XXXX is saying I am delinquent for the month of XX/XX/XXXX, yet I made a payment of {$220.00} which was my original payment and was made on XXXX XXXX for the XX/XX/XXXX payment. Now it is showing on my credit report as being 30 days delinquent. MY RE-CERTIFICATION PAPERWORK WAS SENT IN IN A TIMELY FASHION YET THEY ARE CHARGING ME {$1400.00} FOR THE MONTH OF XX/XX/XXXX. 

THEY ALSO WENT UP ON MY PAYMENT. I WAS PAYING {$220.00} AND NOW I HAVE TO PAY {$270.00}. WHY IS PAYMENT GOING UP? 

I AM MAKING PAYMENTS AND MY BALANCE IS NOT COMING DOWN. 

Last Payment : {$220.00} on XX/XX/XXXX Next Payment : {$270.00} Amount Past Due : {$1100.00} Current Payment Due : {$1400.00} on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On WED XXXX XXXX XXXX at XXXX XXXX, I initiated a transfer of XXXX ETH, then valued at {$840.00}, from my ETH Vault at Coinbase to my ETH Wallet. I received an email requesting my confirmation/approval of the transaction, which I gave. At that point, the transaction entered a " 48 hour '' waiting period. At the same time, had that transaction been conducted at the 49th hour of the initial withdrawal, the value at that time was about {$820.00} ( down {$14.00} ). If Coinbase maintains that I did not approve the transaction and have my identity verified until XXXX XXXX on THUR XX/XX/XXXX ( the date/time I received an " identity verified '' email from Coinbase ), then the value of the ETH Vault at that time was {$890.00} ( up {$55.00} ). On the XXXX of XXXX and on the XXXX of XXXX, after going through their abysmal Chat Bot and Support pages, I emailed Coinbase using their email function online to ask why my money is in limbo. I received a response in a separate bank transfer yesterday at XXXX XXXX  via email ( which I immediately withdrew back out of Coinbase and it is not " due '' to hit my bank until the XXXX of XXXX per Coinbase 's terms ), but NOTHING on this ETH Vault to ETH Wallet transfer yet. As it stands at XXXX XXXX on XX/XX/XXXX ( the date and time of my latest screenshot for proof - attached ), the transfer has still not been approved, and the " value '' now showing has dropped to {$590.00} for XXXX ETH, an artificial or forced loss of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: HW Holding, Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX They put a collection item on my credit report and it is not my item!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: AR

Complaint narrative:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. 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 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am complaining about transunion and XXXX  credit reporting agencys. I have a XXXX XXXX XXXX XXXX account reporting on my credit report that does not belong on there. I am uploading proof from XXXX that they completed there investigation and this account is not reporting on my XXXX credit report. All my reports should be reporting the same. On top of this XXXX has sent me a letter stating if I do not send in additional information they willing not re-dispute this account for me thats not right because having this wrong information is affecting my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: PA

Complaint narrative:
I 've called Experian numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 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: PA

Complaint narrative:
I 've called XXXX numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: AR

Complaint narrative:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Yesterday I received a bill in the mail from my XXXX gas credit card company, which I have had for many years. This is the second bill I have received with an envelope marked " '' XXXX* XXXX '' as the return address, printed in black. The postage is prepaid. The envelope does not look like a bill. It looks like junk mail. I almost threw it out last month and I almost threw it out again. I opened it and searched and searched the fine print for information about WHO this bill was from. Finally, on the bottom of the bill, in very fine print, I saw the information " Make Payment to : XXXX  XXXX CO ''. I think the company is intentionally making the bill look like anything BUT a bill, in hopes the receiver will throw it away, not make their payment, and then be charged a late fee or penalty for non-payment. I think it is deceptive, BY DESIGN. I called them and complained to a customer service agent. I was very angry. The bills did not used to look this way. When I got to the 2nd page of the bill, there was a clear red " XXXX '' picture of a credit card. By then I had spent annoying minutes looking for this information that should be clearly marked both ON THE ENVELOPE and on the face page of the bill. This will be my last bill from XXXX. I am writing the company, and cancelling my card! As far as I 'm concerned, they are setting themselves up for a class action law suit - I am curious how many people are throwing this bill in the trash. I do n't know what the " XXXX '' aspect is of the bill, but it is new - I think some rewards program. This is either a shameful practice, or very BAD marketing!

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
I called company and set up payment arrangements on past due amount, It was agreed that I would make payment to catch up and continue service. account still sent to collections without call. I receive notice from dept collector and I would like to look into this company license to collect in state of Florida as of my statement date, because according to what I have looked up they have no information for XXXX on Florida secretary website. I made payment arrangements with company in XXXX of XX/XX/XXXXso my account should not have went to collections at all this fast before I can honor the arrangement, so why am I getting a statement dated XX/XX/XXXX, when did my account go into collections and why was I able to make payment arrangements with the original company to continue my service if this was the case? Is this agency able to collect in Florida as of XX/XX/XXXX? I would like someone to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: MA

Complaint narrative:
I had a lease with USBank. It has been one of the worst banking experiences I 've ever had. Their autopay feature never worked, though I tried to set it up multiple times. In addition, every month their web site account summary showed a different amount due ( typically {$0.00} ) than their PDF monthly statement. I never knew how much I actually owed. They often charged late fees even though their web site account summary and payment page said {$0.00} was due. 

All of this is just context for how my 39 month lease experience went. My specific complaint at this point in time is the charge I received on XXXX XXXX, 2018 for Excess Wear & Tear after returning the car. The car had only normal wear and tear -- no accidents, no serious dents, and it was garage kept in the winter. In addition, it was well under mileage -- the lease included a total of XXXX miles, but the car was returned with under XXXX miles. 

Still, after all of this, they 've billed me for an Excess Wear & Tear fee of {$190.00} ( plus {$12.00} in tax ). This does not seem right.

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 2018-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Without notice, explanation, or legal authority, Caliber unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase. The increase results from Caliber 's failure to properly reserve the necessary funds to pay property taxes. 

A similar complaint was previously filed, but Caliber 's response was incorrect. They provided information regarding my XXXX home, and not the impacted XXXX home. This complaint relates to the XXXX home. It is not a duplicate matter. Caliber must address the XXXX matter. They have not yet done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: SC

Complaint narrative:
Equifax continues to report fraudulent information on my credit report even after i have taken all the necessary steps to rectify and correct the problem. XXXX, XXXX, and XXXX XXXX are accounts that were open in my name apparently by a relative who used my information without my consent. I 've been aware of fraud since XXXX when my purse was stolen. Every since then from time to time accounts pop up n my credit that I unaware of. XXXX and XXXX have removed all fraudulent accounts but not Equifax. Besides the fact that their website has been hack too many times one could not easily not trust them with vital information being stored safely and be reported correctly, I see their action as negligent and a violation of my consumer rights as a identity theft victim. Fraud does n't mean an account does not exist it simply means an account was open by someone pretending to be the victim. They do n't seem compassionate and have shown that they want to keep this on my credit file even though I have an official police report as well as a identity theft report from the FTC. I appreciate the other 2 bureaus for being professional, ethical, and fair. its my hopes that this complaint will alarm other consumer agencies to investigate their unethical practices. I 'm suffering damages because of their negligence and desire that they follow the same guidelines as XXXX and XXXX. I 've literally done everything but file a lawsuit when that should n't even be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Hi - I opened a Santander checking account on XX/XX/XXXX. The terms were that Santander would provide an initial {$200.00} if I made an initial {$1000.00} in the first 90 days, which I did. I still have not received the {$200.00} bonus. When I opened the account, I had to do so by XX/XX/XXXX ( I believe ) - there was an issue with opening my account online ( I did n't pass the auth interview ), so it took extra time for me to go to my local branch in XXXX, DE and open an account. If you reference a previously submitted CFPB complaint regarding that issue, you 'll see that the outcome of the complaint was that I could still receive the {$200.00} bonus, even though it was past the XXXX/XXXX/XXXX cutoff. I worked with XXXX in the XXXX, DE branch, who also documented that I would still be receiving the {$200.00} promotion. I tried calling the branch several times - each time, XXXX was unavailable. I asked the branch to have XXXX call me back, but I do n't think they are relaying the message.

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