vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: LA

Complaint narrative:
Due to a series of financial difficulties caused by unexpected medical expenses and Hurricane Laura, I took out 3 loans with Blue Chip Financial dba Spotloan on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$1800.00}. To date, I've paid {$2300.00} to this lender, with the most recent interest rate being 460 %. 

I stopped payment to this lender in an effort to consolidate my debts with a debt consolidation company. This company did nothing to settle any of these debts so I cancelled my contract and, eventually, obtained a refund. Thereafter, I discovered that Blue Chip Financial is not a licensed lender as required by Louisiana law, that the interest rate charged exceeded legal maximums, these loans are " null and void '' ( La. R.S. 9:3518.4A ( 1 ) ), and this company recently settled 4 class action lawsuits involving the same issues I've identified here. I filed a complaint with the Louisiana Office of Financial Institutions who has now referred the matter to the Louisiana Attorney General 's Office.

The company responded to OFI and myself. The company offered to settle my outstanding {$800.00} loan for {$780.00} even though I've already paid {$170.00}. The previous loans were acknowledged, but the company did not offer to refund the excessive interest charges nor did it acknowledge that their fees exceeded allowable limits. Instead, the company continued to allege that they are not subject to state or federal regulation due to tribal immunity. This assertion is belied by the lawsuits settled XX/XX/XXXX. Moreover, the case cited in the email submitted concerns contracts arising under the Tribal Gaming Act and are therefore inapplicable to the instant matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a collection call from Comenity Bank/XXXX  demanding that I pay a past due balance on a credit card. 
I have no such credit account. 
I checked my credit report and found that there is a Comenity Bank/XXXX  credit card opened in my name on XX/XX/2021, and which was charged to the limit immediately thereafter ( {$3200.00} ). 
I have never applied for this card, nor have I charged on it. 
I reported this to XXXX, and advised Comenity Bank of this. Comenity has not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: OK

Complaint narrative:
I've been working with Experian for over a year, now. Trying to get my credit cleared of Collections and medical bills. After so long I finally started to get the collections and medical bills taken off my report and I finally got all collections off my credit file. Then a few months later I was on experian and the collections reappeared. Ever since then XXXX work on continuously to get them removed.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had a credit background check ran when I was trying to rent an apartment. The landlord ran the check through Equifax. The landlord stated that the report came back that there was no such person. I have tried to set up an account online and an error ( code NH ) continues to come up and says to contact Equifax. I have called them and they said I am not in the system and to fax my social security and drivers license to them. It would take 3- 5 days and that I could call them to check on it. I sent the information and I have now called multiple times for the last week. Each time they either hang up on me or say there is nothing they can do. One person said it was an issue with social security department to call them. I did that and the social security office said all is good on their end and that the problem lies with Equifax. Equifax said to call my bank and credit cards, I did that as well. All of my accounts show up on XXXX and XXXX but I an not a person on Equifax. I have asked numerous times for a supervisor and they won't let me speak to anyone else. I have now since lost the apartment ( lost the credit check money of {$50.00} ) and need this taken care of so it doesn't happen for further credit checks as I am looking for an apartment. I have just moved out of state and am really in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 I received an email from XXXX indicating that there was a charge {$310.00} from XXXX transaction. I was instructed to call. I called the number and spoke to a guy named XXXX Employee number XXXX from XXXX fraud department the phone number XXXX receipt Number : XXXX. Here is the cell phone XXXX. He explained to me that there were other transactions pending from my account. He said that the hackers were able to get into my account and place charges. - The first charge was in the amount of XXXX Which he said that he was able to block the transaction. He informed that there were other charges that were pending. The Second charge was XXXX - Third Charge was XXXX and they would front the XXXX so I would only have to send XXXX I am out of {$2100.00} He explained to me that I would have to send the money through XXXX to the following emails that he provided XXXX and XXXX to try to catch the hackers and remove them from having access to my IP ADDRESS on my phone. XXXX XXXX and XXXX XXXX. He told me to put void transactions in the memo field so the bank will know that it not a valid transaction. I sent 3 transactions through XXXX  and it was received. He told me that I would get my money back within 30 min. I was suspicious so I called the bank and filed a fraud complaint. I placed a complaint with the bank asking for a courtesy refund. They declined the request. I filed another complaint to the executive office and they declined my request. I am a single mother and I used all of my money that I had in my account. I have filed a police report, I have filed a complaint with the OCC, CID Cybercrimes, IC3.GOV. I am asking that a bank Wellsfargo that I have entrusted and have been loyal to for 30 years grant me a courtesy.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was approved for Capital One Platinum card in XXXX of XXXX. I have continuously been deprived of online access and cant even log in to make a payment or view transactions to see if they are even mine or for the correct amount. I had been granted a legal name change under a sealed court record due to XXXX  XXXX and XXXX  back in XXXX and I have repeatedly sent Capital One a copy of my identification and an explanation about name change, if thats even a problem. I spend 2-3 hours at a time on the phone with Capital One, get transferred around the globe and nothing gets resolved. I input my cell phone number ( which is prepaid because its cheaper and keeps me safe due to XXXX  XXXX ) and Capital One has the number linked to my profile but the online system does not like my number.

Capital one is the only credit card provider Im having a problem with. No one else has identity issues or problems with my number or giving me online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI INC ACCOUNT XXXX THIS ACCOUNT IS FRAUD AND DOESNT BELONG TO ME. I AM VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: CT

Complaint narrative:
Hello- I have been trying for WEEKS to get in touch with someone at The Bank of the West to change the account that my automatic payments withdraw from. Unfortunately, every single time i've tried calling ( 4-5 times ), i've sat on hold for almost an hour and noone has answered. 

I've tried communicating with them via their messaging portal, but their instructions dont work. 

I've tried communicating with them on XXXX and they direct me to email their social media account and then respond with a message for me to call their 800 number. The ONE time someone called me, they got into my voicemail and told me to call the 800 number. 

They are not making themselves available to me to properly transact on my account and, as a result, i may miss my upcoming payment.

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I am a long time Citibank customer. Citi recently released a new promotion where you can receive a {$1500.00} bonus if you deposit {$200000.00} into a checking account in their Citi Priority or Gold premier banking accounts. I was told by Citi customer support that I would be eligible for the offer, but I needed to open a second Citi profile and deposit {$200000.00} or more in New to Citi funds into a checking account. This was annoying but I did it. I was just told by the Citi banker that I am not eligible for the bonus despite fulfilling the terms because I have another Citi profile. I can file a complaint or some nonsense with Citi. Please help me get the bonus that Citi promised me.

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 2021-10-08 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: High Performance Capital
State: NV

Complaint narrative:
Good Morning, This complaint is due to XXXX reporting inaccurate/false information on my credit report. I reviewed my account for High Performance Capital. XXXX has incorrect information reporting that my car was repossessed, late and foreclosure form XXXX XXXX XX/XX/2020. This is not true. The vehicle was in my possession this entire time. So a car can not be repossessed if I still have it. Also the late payments are inaccurate. Company can only report a late payment once the payment is 30 days past due. This did not happen with my account. 
I have been in contact with High Performance Capital and they as well have stated on CFPG under the case filed against them that they will have information updated as I have requested. XXXX still has not removed this inaccurate information from my credit profile. This false reporting is hurting my credit and defamation. 
I will attach screenshot of my payment to HPC and the correspondence from the liason and representative for them. XXXX please remove these false inaccuracies from my account. 

i have attached screenshots of correspondence of emails and payment profile from HPC. Also them mentioning reporting to XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im XXXX  in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Sunbit, Inc.
State: IL

Complaint narrative:
I needed car repairs and went to the dealership to have those taken care of. On XX/XX/2021 the repairs were completed and I began to finance the repairs. They offer financing through a company called Sunbit. I was accidentally signed up for a six month loan in place of the 12 month that I wanted. I called over to Sunbit the next morning to get the terms changed to the one I intended to sign up for. For reasons that remain unclear, I needed to have the dealership where I got the repairs done to cancel the contract to resign under the terms I desired. After the dealership sent over the new forms ( which are all done through a link sent to my phone number ), I attempted to sign up for the 12 month plan. Each and every time I tried, the contract would show a six month payment schedule instead of the one I had intended to sign up for. On XX/XX/2021 I called Sunbit again and the solution to the changing loan terms was to send over another prequalification link, and have the dealership send over another link to try and receive the loan I intended to sign up for. The same issue occurred. After a third round of calls between myself, Sunbit, and the dealership a supervisor finally was able to sign me up for the terms I wanted. While this is the resolution I desired it took several hours of phone calls between my calls with the dealership, my calls with Sunbit, and the dealerships calls with Sunbit. Having both dealt with other loan companies ( including a concurrent issue with my husband 's car loan ) and conversations with others I feel this is an unfair practice, especially since the terms of the loan are not made explicit on the page you sign, and instead buried in the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I made my monthly XXXX Mortgage payment of {$370.00} to Select Portfolio Servicing. This payment was not due till XX/XX/2021. On XX/XX/2021, I logged in to make my 1st Mortgage payment and noticed that the XXXX payment had not been applied. I called SPS multiple times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I was concerned that they were going to charge me late fees, so I logged in and paid the XXXX payment again. I also uploaded an image of the statement requesting correction in their documents section. That document has since been removed from my account and the XXXX payment still has not been applied as a regular monthly payment to my account. Each time I call they assure me that it will be " done by Monday ''. They applied it as an extra payment even though I marked it online as my regular monthly payment ( the default selection ). I should be paid up till XX/XX/2021 and they were showing due date of XX/XX/2021 until I filed a complaint with the BBB. Now they show that I am past due for XX/XX/2021 and haven't made the XX/XX/2021 payment either. Our loans were written off in chapter XXXX so, I am concerned that they could try to take my home since the payments are showing past due. I have called on XX/XX/2021 after filing the XXXX complaint and spoke with manager XXXX. He assured me it would be completed " within 24 hours ''. It is still not corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a recurring preschool tuition charge to my Citi Priority checking account. A few business days before the XXXX monthly charge kicked in, I realized the account is a XXXX XXXX dollars short, so I transferred money from my brokerage account ( also with Citi ) to the checking account. A few days later when I followed up on the app, I realized the transfer did not go through and was nowhere to be found, so I tried again. It disappeared again, and at this point, the charge kicked in. So I got charged {$34.00} NSF fee ( which Citi later refunded ) and {$50.00} NSF fee by the school, and my balance dipped to negative. I tried transferring money from the brokerage again, and it kept showing error message 'Your request can not be processed at this time. Please try again later '. I tried transferring from my account with another bank, and got error message 'You 've reached the maximum number of accounts allowed. To add a new account, you must first delete one ', while in reality this is the first external account I have. I don't want the overdraft status to be reported to XXXX ( or whatever bank activity reporting system ) and get ding'ed in the future. I have many incidents with Citi before, and it's truly the worst. 

Account transfer reference number ( I forgot to take the first one, but did have pictures of the next two once I realized the first one disappeared ) : XXXX ( XX/XX/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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation