vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
While I couldn't make any payments on my vehicle for a title loan because of medical issues, the title company ended up sending out a repossession company. This company had to open up the door to see the vin.nunber and in doing so that person had to be able to see my my medication which is life saving. At that point they should have either stopped and knocked on my door and given me my medication or at least contacted me the next day so I could pick it up. It has been over 10 days and I had to go to the doctor 's office for another prescription because this medication is supposed to be around me at all times that's why I kept one in the vehicle. Just taking a vehicle without care of anyone 's possessions inside shouldn't be tolerated because it could cause a life threatening situation. What if this was my only one? I live in a small village and we have a small fire department, who is then responsible? Please don't me because everyone forgets once and a while that's why I had in the vehicle and they took it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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 had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet

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 2019-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Hi, I took a payday installment loan for the sake of building my credits and we entered into a contract with payment terms that they deduct installments from my checking account. I gave them all the information they wanted that included my account and routing number as per contract. Initially, they didn't deduct money as per scheduled payment and I called them 3 times asking them to take their money and they didn't. I paid through a debit card thereafter. I did pay again 3 times more and asked them to perform their responsibility to deduct their money as this is important for my credit building. I then told them I am not doing it through debit card anymore. Have to do their obligation as per contract, it doesn't say I have to use my debit card as a routing number was a condition for approval. 

This week I wondered that they contacted my employer and decided to garnish my wage. This is unfair to me as I wasn't informed and it is not my fault, I never refused to pay or change my account. They didn't do their responsibility to deduct money while I gave my account information ( confirmed today they still have ). 

This is unfair garnishment and punishment to me because of their fault ( or their systems ). My intention is to build my credits instead they are now destroying me more while I am innocent. Again they never gave me a chance to defend or give my position on this. I am still willing to service my loan and never refused to fulfill my obligations but I getting unfair punishment for this company failure to comply with the agreements. 

I urge your help to assist me to remove this unfair garnishment on me and let the company comply with their promises. I also ask you to judge this and make Opploans repair my damaged credits that were caused by this unfair transaction. I am not delinquent to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2019 we contacted US Bank regarding the amount of interest on a cash advance which we have no record of initiating. We were advised by the customer service agent that they can only go back 7 years and after review, can not locate any cash advance transaction on the account.  US Bank was requested to go back prior to 7 years and research any such activity. It is out position that we did not make such an advance and the charge must be fraudulent. On XX/XX/2019 US Bank responded that they could not find any record of the cash advance. This letter does not state they only went back 7 years to review. We asked US Bank to go back to the inception of the account. On XX/XX/2019 we requested an interest adjustment to this account for any and all interest or fees imposed since the initiation of this transaction. To day we have not received a written response to this letter. In a telephone conversation with a supervisor today we were informed that since US Bank could not locate the cash advance and that since we could not prove we did not make a cash advance they were not providing any interest adjustment on the account. It is our position that an adjustment in interest applied should be made.

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 2019-03-25 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 had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE.

DAte opened, last reported, date last active all wrong and inconsistnet

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 2019-03-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the XXXX XXXX XXXX and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
I am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that is reporting on XXXX only.

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 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a " pre-legal '' notification in the mail from Midland Credit Management attempting to collect a debt dated XX/XX/2019. This letter advised that I needed to provide a response by XX/XX/2019. 

My concern is that I am being threatening with forwarding my account to an attorney but I don't have any idea who Midland Credit Management is. I've never applied for an account with this company, they have never extended credit to me and I've never agreed to do business with this company. 

This is the first correspondence that I have EVER received from them. Their documentation doesn't tell me anything about how they obtained my personal information or why they are contacting me.

After googling the company it appears that they are a debt collector but the documentation that they have sent to me doesn't indicate that they are attempting to collect a debt nor did they advise my right to dispute or request validation of the debt. They stated that they've sent a previous letter to me but I have NO RECORD of ever receiving anything from them.

I would like to file a complaint against this company for violation of the Fair Debt Collection Practices Act. If this company is reporting any derogoratory information on my credit report I would like it immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CO

Complaint narrative:
Received a call from a XXXX  collector whom verified my XXXX  address, told me XXXX  is not a closed border state when it is. Continued collection efforts. XXXX falsely verified they can proceed collection efforts in a closed border state of which they don't carry a license to collect. Mailed debt validation to my XXXX address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Checking account # XXXX had 4 fraudulent checks : 1. My bank signature were not included. 
2. None of my banking business information was included on the checks. 
3. My secured water make symbol was not includes on the checks. 
4. My sequence check numbers were in the XXXX. 
5. The fraudelent check numbers were in the XXXX. 
6. The bank notified my in writer that the problem was taking care of and my account was credit. 
6. The bank could stop payment on two check in the XXXX but let two check to through. 
7. The problem is the bank will not credit my account for the two check they let go through.

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: PR

Complaint narrative:
I live in Puerto Rico and a victim of identity theft. On XX/XX/XXXX, through my XXXX  's credit report, I noticed that XXXX XXXX had been trying to collect a debt of {$780.00} ( for account # XXXX ) alleging that I used their services from XX/XX/XXXX to XX/XX/XXXX. I informed them that I had never used their services because I live in Puerto Rico and that I filed a police report with the local authorities. As requested by XXXX XXXX, I sent them all the information and evidence they asked for on XX/XX/XXXX and XX/XX/XXXX. But they did nothing. To make things worse, Procollect Inc. from Texas has been making collections efforts even though I informed them about the situation. All this situation is lowering my FICO Score in a very bad way.

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 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I applied for the Toyota Motor Credit Corporation Class Action Settlement that certain cultures were charged more in interest rates than non XXXX XXXX.. On XX/XX/XXXX I received a letter from the Administrator of the Toyota Class Action lawsuit that I am not eligible because I am not XXXX -- I am. I did purchase a XXXX XXXX on XXXX XXXX from XXXX XXXX in XXXX, PA. The XXXX was financed through Toyota Financial I have the documents to prove it. This is the time on or before XX/XX/XXXX and XX/XX/XXXX that the lawsuit stated the automobile had to be purchased. I am an XXXX XXXX  female. 

Respectfully, XXXX XXXX XXXX ( XXXX.XXXX.XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TX

Complaint narrative:
Wells Fargo : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you

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 2019-03-25 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:
XXXX XXXX : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you

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 2019-03-25 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: MN

Complaint narrative:
A XXXX XXXX  credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with Transunion, XXXX  and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with TransUnion, XXXX and XXXX  for failing to due there due diligence to respond to me and correct my reports.

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 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filled out an online application for a new checking account after receiving numerous direct mail advertisements from Citibank. On XX/XX/XXXX I completed application # XXXX. The application, in addition to personal questions, requested information on how I would fund the new checking account. I gave another checking account with the routing number as well as the requested password to my XXXX XXXX XXXX checking account as it requested. I have now called the XXXX phone number I was given after completing the application 3 times. All I am told is that a letter was mailed on XX/XX/2019. I have requested a manager on my second call and the call was disconnected after a 10 minute hold, and then I called back a few days later and someone told me a manager would call me back within XXXX hours. This never happened either. Today I called and again was told that they are unable to share anything related to the application and that a letter was mailed on XX/XX/2019. I have not received this letter as of XX/XX/2019 and explained that they still have my XXXX checking account information and that I am no longer comfortable with them having this information being as they are unwilling to assist any of my reasonable request to understand what is going on with my application.. At this point I need someone who can communicate what is going on to contact me from Citibank so I can withdrawal my application.

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 2019-03-25 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: KY

Complaint narrative:
On XX/XX/2019 I attempted by phone and online to get EXPERIAN to remove an Alert placed under the new law. The alert was placed incorrectly and I never received text or emails of its existence. Was denied electrical service in XXXX Tn because of alert unless my wife and I came to office with proof ( social security card ) in person.. EXPERIAN has call center with individuals who can not communicate .No way to get Alert off except by mail appears to violate laws required QUICKNESS. I never asked for alert from them and had no idea it existed.

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 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Speedee Cash Management
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUE WITH AND BUSINESS COMPANY GOES BY THE NAME OF SPEEDEE CASH INC SO ASLO I CAN PROVIDE MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUE IM HAVING SO ON DATE OF XX/XX/2019 OK I HAD CALL SPEEDEE XXXXASH STORE LOCATION IN XXXX MS AREA WHERE THE LOCAL STORE IN LOCATED AT AND WHEN I CALL AND SPOKE TOO THE CUSTOMER SERVICES AGENT OVER THE PHONE SO WHEN I 1ST CALL THEM I ASK THEM DO U HAVE TO HAVE GOOD CREDIT STORE WHEN I APPLY FOR INSTALLEMENT TYPE OF LOAN REQUEST SO ADVISE TOO ME THAT U DONT HAVE TO HAVE GOOD CREDIT RATING SCORE BUT I ASK THE BUSINESS COMPANY ABOUT THERE PRIVACY POLICY OF THERE BUSINESS PRACTICE SO I ASK THE CUSTOMER SERVICES AGENT CAN U APPLY FOR AND TYPE ON INSTALLMENT LOAN OVER THE PHONE SHE SAID NO U CANT APPLY OVER THE PHONE U HAVE TOO COME IN PERSONAL IN APPLY AND THATS WHAT I DID SO WHEN I GOT THERE IN PERSONAL THE CUSTOMER SERVICES AGENT HAD ME XXXX AND CONSUMER CUSTOMER TOO FILLED OUT LOAN APPLICATION AND ONCE THEY TOOK MY APPLICATION IN PERSONALLY SO THEN ADVISE TOO ME THAT I WAS DENIED OF LOAN INSTALLEMENT REQUEST SO THEN SHE ASK ME HOW MUCH I WANT TO BORROW I TOLD HER I WANT TO APPLY FOR LOAN REQUEST OF {$1000.00} DOLLARS AND AFTER THEY RUN MY CREDIT SHE THEN ADVISE TOO ME THAT I DIDNT HAVE ENOUGH OF CREDIT HISTORT TOO APPLY FOR NEW LOAN RQUEST SO I FILL LIKE THE BUSINESS VIOLATED MY PRIVACY RIGHT BECAUSE I ASK THEM THE CUTOMER SERVICES AGENT OVER THE PHONE WHAT TYPE OF DOCUMENTS U HAD TOO HAVE BEFORE I GET AND FAMILY MEMBER TO BRING ME OVER TOO THE LOCAL STORE IN XXXX MS AREA SO I HAD TO PAYMENT FAMILY {$40.00} DOLLARS ROUND TRIP FAIR EVEN KNOW I DIDNT GET APPROVED FOR NEW INSTALLEMENT TYPE OF LOAN REQUEST SO AFTER THEY DENIED ME I CALL THERE CORPORATE OFFICE AND I WAS NOT ABLE TOO GET IN TOUCH CONTACT WITH ANYONE SO I TRIED CALLING CORPORATE OFFICE SEVERAL TIMES NO RESPOND SO THIS IS AND ONGOING PROBLEM I HAVE WITH FINANCE DELAY NEED SERVICES SO ASLO I HAD AND COPY PULL OF MY CREDIT REPORT BEFORE I ALLWAYS APPLY FOR NEW LOAN REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus  to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation