vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
This is a follow up to complaint # XXXX. 

In XX/XX/XXXX, I took out an installment loan with Big Picture Loans for {$1500.00}. The advertised interest rate was 57.35 % which in and of itself is outrageous. 57.35 % of {$1500.00} would be {$860.00}. The cost of the loan would then be {$2300.00} To date, I have made 12 payments for {$290.00} each totaling {$3500.00}, more than double the amount of the loan and {$1100.00} more than the cost of the loan with 57.35 % interest. 

BPL has me making 14 more payments for a total of an additional {$4000.00} making my amount paid in full {$7600.00}. This is 5 times the amount of the initial loan. This actually equates to 407 % interest. 

This is predatory and creating a financial hardship. Due to this exorbitant interest rate, I would like assistance in settling this loan for the amount paid to date ( {$3500.00} ). BPL will have profited nearly 2.5 times the amount of the initial loan and has recouped more than the advertised 57.35 % in interest. 

I have researched this company on the CFPB website and see this is a recurring complaint and the end result is BPL closing the loan as paid with the amount paid to date. This is the resolution I am seeking before my next due date on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
I spoke with a representative by the name of XXXX XXXX in XX/XX/XXXX. She stated that if I paid the balance in full the entry on my credit report would be deleted and it would be like it was never there. I paid the balance in full on XX/XX/XXXX. To date, the entry has NOT been deleted from credit report as promised. I emailed the associate about it on XX/XX/XXXX and I have not received a response. They lied to me in order to collect the debt which a violation of the FDCPA, for which I will take legal action against them and XXXX. I would highly recommend the CFPB take a closer look at this debt collection company. Their practices are abusive and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked do proof that they verified with the courts that this bankruptcy was in fact mine. They have refused to provide me wit that proof. I contacted the court myself and asked how they verify with the equifax and they noted that they do not. I sent equifax the letter from the court stating that they do not verify anything with collections agencies and they still refuse to remove from my credit report. I have attached the proof I received from the court stating that they do not verify anything. Ive contacted equifax numerous times to get this bankruptcy removed from my credit file as it has been removed from the other 2 collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Just last year I had my car repossessed. I was not able to pay my loan because I was unemployed close to a year. The only way I was able to make money was by helping a friend from time to time and it was enough for anything and could not afford the payments. Last year I was struggling with trying to get a job to catch up on my bills and could not was behind on everything not just the car. This all happened around XX/XX/2017. Since I got my car back I have been making my payments on time and have a great job now and able to manage my money better and stay on top of my bills. I have tried to work with the company to get my repossession moved after showing them that my payments have been good but they are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: OH

Complaint narrative:
There was a fraudulent inquiry done with XXXX XXXX XXXX XXXX on XX/XX/2018. XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with Transunion and XXXX  as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.

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 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
current balance is XXXX ocwen is reporting XXXX which decreased my score 80 points and had a problem getting a job. The law states that the mortgage company needs to report within 60 days they also do not, they are 90 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been hit with a {$710.00} deferred finance charge from XXXX   XXXX  ( XXXX preferred card ) on XX/XX/2018. 

According to the finance company, unfortunately the charges were incurred by a deferred payment method, which to my surprise is an extreme charge compared to my pre finance charge balance of {$400.00}. 

I need help with this account, if need be I can pay down the entire {$400.00} in order to avoid long and unnecessary commotion with comenity bank and then settling the account for {$200.00}. 
As a consumer, I am obligated to pay the balance down but when I get charged such an immense amount for finances, especially when you dont expect and have finances for it to be paid, there is only so much that we can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have recently submitted a complaint to have the card re-evaluated to be unfrozen, but for whatever reason, capital one is refusing to assist with this situation. The previous executive office rep did not do anything to address the problem. All she simply did was reiterate what customer service keeps telling me, instead of trying to assist me with a resolution or work towards a resolution. She was completely incompetent and unhelpful and did not try to assist. I want someone who is willing to work on a solution to get this unrestricted as I have consistently been making payments twice a month, the account is current and is far below the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I had to move out of my apartment due to being relocated for a new job. I turned in my notice to vacate the residence, along with the keys to the landlord. Per my lease agreement, I was on a month to month lease, and according to Florida Statue 83.595 ( 1 ), ( 2 ), or ( 3 ), we selected choice 2, in which we did not agree to liquidated damages or an early termination fee. I also did not receive a proper accounting of security deposits in which we paid since we have moved in on XX/XX/XXXX. I have since attempted to contact the property management company who did not assist in trying to correctly remedy this problem. I understand that I owe 1 month rent, minus the additional security deposit that they owe me, or to apply towards the balance owed. Once this is corrected, I will then work out an arrangement to remedy this balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hi! So I'm making regular online payments on my auto loan faithfully but now the company says they will be charging a fee if I don't sign up for automatic electronic payments. 

Is this legal? 

I thought we had a choice in how we make payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 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: NC

Complaint narrative:
XX/XX/2018 I called Transunion and faxed the requested identity theft reports from the Federal Trade Commission and was told that the items would be disputed. I informed the representative that I was not trying to file a dispute, that the listed items were fraudulent accounts that resulted from identity theft. I spoke with a representative today and was told the FTC reports " did not meet their procedures for blocking accounts. '' I asked the rep to send validating documents that were used to verify the accounts, which I was informed they couldn't send. I'm just frustrated not only was the US supervisor ( rep ) speaking in a very rude manner, but I just don't feel it is fair for these accounts to still be reported when they do not belong to me. I couldn't even get the addresses linked to these accounts. I've previously tried contacting the creditors directly to no avail. They sent bills, no contracts with signatures or anything so I'm thinking the accounts were possibly opened electronically.

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 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a credit line on XX/XX/XXXX which was approved for {$100000.00}. I made payments on the account until XX/XX/XXXX, at which point I felt behind 2 payments. On the 3rd month I reach out to the service department of Bank Of America to make a payment in full for the amount due so I could bring the account to current status. At that point I was told that the account had been charge off with no prior notice ( no mail notice, email, or phone call ), And they had all my current information. I was told their was nothing they could do for me. The only thing I could do was to pay the amount due in full {$100000.00} and that wouldn't even remove the charge off from my credit report. I have tried to make arrangements to correct this account on my credit report and bring the account to {$0.00} balance but they refuse to work with me. The only answer I heard from them was we can't offer you a settlement, you must pay the full amount, but we can't remove the charge off from your credit report. The last time I reach out to Bank of America I even requested to speak to the person in charge of the financial department to see if I could get a settlement and the answer was the same ( WE CAN'T DO ANYTHING FOR YOU, YOU MUST PAY THE AMOUNT IN FULL ).

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute and update personal information regarding my name and addresses that was used in fraud many years ago. Although they updated my name correctly, they continually to FAIL to remove the old outdated addresses from North Carolina that either are extremely outdated or addresses where I never lived. I've even sent them my current identification information and they still ignore it.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Received an email from Equifax advising a new bankruptcy was being reported on my account and my credit score dropped XXXX points this week. I have not filed bankruptcy since XX/XX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. 

To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. 

I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There was a fraudulent inquiry done with Chase Credit Card Services on XX/XX/2018.  Chase reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and XXXX as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to Chase and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 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: OH

Complaint narrative:
There was a fraudulent inquiry done with XXXX Credit Card Services on XX/XX/2018.  XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and Experian as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.

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 2018-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: AZ

Complaint narrative:
Escrow I have a 30 year fixed, 3.25 % VA loan with P & I monthly @ {$510.00}. 
Someone appears to be defrauding my escrow account as my payments have escalated from $ XXXX/month to over $ XXXX/month in less than 6 months. 
Prior to XX/XX/XXXX my Insurance costs were $ XXXX/year and my monthly payments were {$620.00}. 
My insurance premium is only $ XXXX/year now and I am being billed $ XXXX/month. 
I have asked the company to explain how my insurance premiums ballooned on XX/XX/XXXX when I was already paid and covered from XX/XX/XXXX - XX/XX/XXXX.. no one, not even their advocate has explained this to me. I have attached three insurance forms to show something is terribly wrong with my account. 
I have also attached a screenshot of my existing account which is BIZARRE. Please note that I have never missed a payment and that I have NOT been charged a late fee, but they insist on charging me $ XXXX/moth. 
My XXXX should be : {$510.00} + ( T= XXXX/XXXX= XXXX ) + ( I = XXXX/XXXX=XXXX ) = {$640.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Opened an account with Chase bank XX/XX/XXXX Everything was fine got approved got my temp card, ordered checks made deposit on both checking and saving account. 
2 weeks later Notice i wasnt able to use my card to purchase anything after I activated my card Call XX/XX/18 they stated that they closed my account without noticed - they refused to tell me why no explication or no rsolution to fix the issues ... I feel I have the right to know my history or atleast why they denied keeping my account open with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: IL

Complaint narrative:
Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX  XXXX unverifiable INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXI XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized How is Experian able to verify these when XXXX and XXXX can not? I am trying to establish a paper trail for a lawsuit if needed ...

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 2018-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of the 611 of the Fair credit act. This states that anything deleted and then re-inserted on my credit report needs to be followed by a 5 day notice from the credit bureau. I was a victim of this an issue that occurred with TransUnion. Basically I my inquiries were deleted from my account and then they were added back to my account without any notification. By law I need to be within notified 5 days mail. I did not receive any notification. I am a victim of this issue. I called the Transunion customer support on XX/XX/XXXX and informed them that they need to remove inquiries below, in order to conform to Section 611 Victims. Inquiries in question are below : -- -Inquiry details -- - XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX   XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from 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