vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BlueChip Financial
State: WI

Complaint narrative:
I was under the impression payments were being received. They never called or sent a letter to me. I all of a sudden receive an email stating I owe triple the loan amount. It was my stupidity to deal with payday loans. This is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XX/XX/2019 I revoked there Ach authorizations. It is almost impossible to cancel Ach payments with them. They told me they couldn't cancel my Ach agreement without an alternative payment method. Which is not true. By law You do not have to provide an alternative payment method to cancel your Ach. They dont want you to cancel it so they try to make you think you can't cancel it. By law an Ach agreement has to have a way to cancel it, or it's invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: VA

Complaint narrative:
MidFirst Bank is engaged in systematic discriminatory behavior through its marketing and account set-up processes. 

As a citizen of the United States who was targeted by online marketing regarding " Vio '' online savings rates, I attempted to open a savings account which was declined, to which the bank when I called would provide no information as to the reasons why. Their explanation was that the process was controlled by XXXX and they had no control and no insight as to the reasons. I called XXXX at the number provided and they said they could not provide me the specific reasons, but rather required I order a credit report. I have an 800+ credit score and exemplary experience with deposits so this is alarming to me. 

Concerned that MidFirst bank is engaging in discriminatory behavior, I then called XXXX to inquire about the bank 's compliance with the Community Reinvestment Act. Financial institutions compliant with the CRA are required to make the location of their public file available to the public upon request. I made this call on XX/XX/2019 at XXXX. The agent referred me to XXXX XXXX XXXX which has to do with mortgage lending, but not the the actual CRA compliance file. They then said they would mail me a copy. 

The fact that this financial institution is able to engage in discriminatory behavior operate outside the bounds of it's federal charter to " serve all members of the community '' needs to be investigated and remedied by the federal government.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have my credit file frozen at Experian. I both went online and called the number ( and another number in the online page ) to attempt to thaw the freeze for slightly more than two weeks. 
Experian will not thaw a security freeze as stated in the attached letter by phone or online. They require you to mail a treasure trove of identity theft documents ( drivers license, Social Security number, date of birth, credit card account statements, security freeze PIN, and other identification documents ) to a post office box in XXXX, Texas. If that letter were stolen in the mail, an identity thief would have a simple way to steal my identity and accounts. 
Plus it violates the terms of the letter that established my security freeze which provides for a Web address procedure and a telephone number to thaw a freeze. Nothing suggests you have to send identity documents in mass to a P.O. box in Texas which I am sure identity thieves know about and can probably steal mail from dishonest postal employees. 
This is not the way the credit freeze is supposed to work. The bureaus assured the CFPB they would make it easier, not harder and with risk of identity theft, to thaw a credit file. It also flatly violates their own letter which establishes the procedures to easily thaw the freeze. 
Experian is acting in bad faith to make security freezes difficult and dangerous to set up and thaw through the mail-only procedure. There is no legal basis for their doing so and I ask the CFPB to bring an enforcement proceeding against Experian for thus unfair and deceptive trade practice.

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 2019-04-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Several years ago my now EX HUSBAND pursued his XXXX XXXX and since we were married I was the Borrower and he was the Co-Borrower on BOTH private and federal student loans. 

I am currently being pursued by XXXX, XXXX XXXX XXXX XXXX, XXXX for an outrageous amount of {$70000.00} and have derogatory information on my credit from the original creditor which was Sallie Mae but now serviced by Navient-reporting loans that are his sole responsibility. 

The amount is astronomical and I am having a very difficult time surviving with my children and our living expenses while he is enjoying the fruits of this very expensive education and lifestyle of an XXXX. 

Per the Divorce Decree that I have uploaded you will see that on the 3rd page it clearly states that my then Husband XXXX XXXX XXXX would be the sole responsible party for all debts in relation to this defaulted debt. Per the divorce decree he was also to refinance the loans under his name removing me from this responsibility and he has failed this order along with other ( s ) that do not pertain to this topic. 

This is seriously affecting me from obtaining a promotion at my place of employment that would allow me to provide more for my children. 

I really need these items to be removed. I have attempted to dispute them. And will be sending out another dispute with a copy of the same divorce decree being provided to you in hopes that this will get removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
I sent a validation letter to Financial Data Systems ( FDS ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted. 

In a letter dated XX/XX/2019, I again specifically requested that FDS provide me that the company is the legal owner of the debt, and that FDS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. 

FDS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FDS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence. FDS is not in compliance with federal credit reporting laws and is reporting inaccurate information to the credit bureaus. I hereby request that FDS promptly remove any and all references from all three credit bureaus and cease and desist all communication with me concerning this debt.

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 2019-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
on XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, they reported late payments on my account last 4 number of the card ( XXXX ), i've been sending my payments on time every month. i called the company and they said never received the checks. 

in my second card ending in ( XXXX ) i have 3 late payment same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
i placed an order with XXXX XXXX on XX/XX/19 {$110.00} using my Barclay 's credit card. I did not hear from XXXX so began emailing them on XX/XX/19 and 2 other emails ; no response. I then called phone number and got a recorded it was disconnected. I immediately called Barclay 's to report a fraud. They acknowledged my dispute with a letter on XX/XX/19. Subsequently, i did receive a package from XXXX but it did not contain the correct size i had ordered ( i ordered a womens size XXXX and got some type of extremely small size that i could not even pull up over my thigh, and i am XXXX '' weigh XXXX ), and i rec 'd this package after i filed dispute, after i emailed the company to stop my order. i suspect the company shipped whatever was on their shelf after i filed the dispute. on XX/XX/19 i recd a call from Barclays, who said they could not help me on the dispute and were processing the charge because the client shipped something. nevermind that what they shipped was not correct and their phone number is disconnected and they dont ' respond to email. all disregarded by Barclays phone rep, XXXX with Barclays said i had to take it up with XXXX XXXX. Well, how can i do that, no phone number and no email address. i think they are bankrupt or something. why would barclays not do a charge back for a clear fraud situation. they could have shipped me a toothpick and barclays says well they shipped you a package, so now you have to resolve. makes no sense. surely we have better consumer protection laws than this. why would Barclays ' support fraud by paying them. anything i can 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 monetary relief
Consumer complaint received 2019-04-26 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo mismanaged my Home Mortgage and Home Equity Line of Credit from the time the my accounts were acquired from XXXX XXXX, whom I originally open the accounts with. This mismanagement caused my accounts to be incorrectly reported to the Credit Bureau causing my credit score to be  affected severely. Ive always had excellent credit and was never late with my bills. 
I had one mortgage and one equity line of credit. Wells Fargo reported four equity line accounts and one home mortgage account to the credit bureau in my name. 
Wells Fargo also reported I was late 30 times in one year, because of allocation issues with my payments. 
Ive disputed these issues with the credit bureaus and Wells Fargo and they insisted their system reported the late payments correctly. 
When I sold the home in 2018 and paid off the balances of the mortgage $ XXXX and the equity line $ XXXX, Wells Fargo was still reporting I had one line of equity in my name still open, and after my dispute again with the bureaus, they corrected it. 
I inquired with Wells Fargo why my balance for the equity line was never changing, and I was informed it was an interest only loan. I explained it was never an interest only loan with XXXX, why is it now an interest only loan. For more than 10 years Ive been paying interest only on a $ XXXX line of credit. Unknown to me Wells Fargo changed the agreement after acquiring my accounts from XXXX and told me I signed papers agreeing to the interest only account, which I know I would never have done. I figured out Wells Fargo might have sent me a document after acquiring my accounts to sign informing me they were now handling the accounts, but did not inform of any changes they were making to my accounts. I would assume they were doing the right thing by me the customer. 
It was way too much for me to keep up with what was going on with these accounts. 
If will furnish on your request the five account numbers that were reported to the bureaus. 
Now that I have paid of my loans, it will be very difficult to get a mortgage with all of those discrepancies on my report. 
Ive had difficulty finding a decent job because of my credit history I am sure. I have an XXXX and can not find a job. 
This is all very stressful.

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 2019-04-26 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

06 XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXXL XXXX XXXX   XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XX/XX/XXXX {$1000.00}

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 2019-04-26 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX BANK XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XX/XX/XXXX {$1000.00}

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Another name is showing up on my credit report. 

XXXX, XXXX, S Different addresses is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
They filed for Possession Only on XX/XX/XXXX amount : XXXX. Then filed Unlawful Detainer on XX/XX/XXXX. It was Dismissed on XX/XX/XXXX amount : XXXX. This Creditor/ collection was the Attorney that represented the Plaintiff in court. I sent a Debt Validation letter by Certified Mail by the United States Postal Service on XX/XX/XXXX and it was signed for on XX/XX/XXXX. No reply as of XX/XX/XXXX. I never received a bill asking for the amount of {$2500.00}. My mailing address and phone number is still the same as the court papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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:
Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX  ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my 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 2019-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was advised by my attorney to make a complaint. 

I am physically XXXX with a XXXX XXXX XXXX and Im bound to my XXXX. I was awarded a vehicle loan by santander consumer USA, and I chose a XXXX XXXX from XXXX in XX/XX/XXXX. The way the loan was structured I would be paying 200 % of the vehicles value and after multiple failed attempts and no help from the staff or reps at the company I was forced to file for bankruptcy in XX/XX/XXXX. I even called to see if there were any payment options due to my situation being XXXX and me not having a steady income and having medical issues, such as my XXXX breaking down or no assistance ( no nurse ) the company still refused to assist me in any way. Lastly I acquired 2 loan companies who were willing to refinance and take over the loan near a 3 % APR and Santander still refused. The companies offering the new rate were upfront with me and wondered how did I even get the loan because I had no drivers license. The gentlemen suggested I need to look into it and advised me I may have been targeted just to access may income. After great assistance from the law firm that assisted in filing my chapter XXXX bankruptcy due to Santanders ' unfair practices I am picking up the pieces of my financial ruin. Im not completely blaming them however because of their greed and very confusing XXXX financing terms I was put in a position to fold ( for lack of a better word ). The file attached is a financial payment history document I sent to my attorney after Santander reps advised they would no longer work with me and they will deal with my attorney if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE NEGATIVE DEROGATORY ACCOUNT ON MY CREDIT FILE.

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 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices. 

1. I never received a notification within 30 days of this reporting on my credit report. 
2. When I requested validation of debt, they sent me paperwork with someone else 's name on it. 
3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate. 
4. The collection failed to prove that they own the claimed debt. 
5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten. 
6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-26 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:
Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My correct date of birth is not reporting. 

XXXX Different address are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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