vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was charged higher the normal on Finance charges. The car was financed at 26.29 %, Interest, Which doubled the cost of the car from {$15000.00} to {$30000.00}. From XX/XX/2013 To date, I have made payments on nothing but interest, and principal has not been paid down, despite additional payments and over payments, nothing has been applied towards the initial billing, Adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: TX

Complaint narrative:
XX/XX/2019 ... I sent a dispute to the credit bureaus requesting verification of this account, also I asked for debt to remove off my credit due to no supporting documents that this my account. Also this company can not provide any documentation with my signature to verify this was my account

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 2019-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
The exchange rate that Western Union ( WU ) quoted was very much different than the local rate where the money was picked up. I sent {$300.00} and WU paid out {$460.00} BAM ( XXXX XXXX BAM ). However, the local rate is XXXX BAM for XXXX XXXX Therefore, WU made XXXX BAM ( if sold at XXXX local rate ) which equals about XXXX XXXX plus {$7.00} fee. After all WU made about XXXX $ profit which is hefty 10 % on transaction. This is very unfair practice and I am not sure why/where is WU getting this exchange rates before sending the money. There are millions of customers who are getting scammed into this practice/pattern. For the same transaction, XXXX charges XXXX $ and the exchange rate is XXXXBAM for XXXX , which is the same as the local exchange rate. I understand that rates change daily, in minutes, and hours ; however, I think XXXX intentionally quotes the exchange rates very low in order to generate more profits. This is unfair and deceptive practice by which XXXX generates millions of dollars and tells consumer that they are charged only XXXX . 

Money Sent XX/XX/2019 - Picked Up XX/XX/2019 in XXXX. WU did not have reasonable explanation for a such huge difference between exchange rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from XXXX  shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on my Transunion report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show XXXX and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid 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 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: WI

Complaint narrative:
I borrowered {$2500.00} on XX/XX/18. After 11 payments of {$320.00} at a rate of 276 %, the payoff effective today is {$2400.00}. The terms of the truth in lending state it is a simple interest loan compounded daily. The term of the loan is for 30 payments. 

My concern is the company is not simple interest and is front loading all interest contrary to the truth in lending. My payoff by my calculation should be approximately {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUDIT SYSTEMS,INC
State: NE

Complaint narrative:
The agent couldnt verify what she was calling about if I didnt give her my address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
*XX/XX/2019 someone fraudulently tried to open an account with ( XXXX XXXX/ XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open account ( capital one bank USA ) *XX/XX/2019  someone fraudulently tried to open an account ( XXXX XXXX, XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXXr ) XXXXXX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Received a statement from POrtfolio Recovery Associates on XX/XX/19 reporting an outstanding debt {$650.00} owed to XXXX XXXX XXXX. They were threatening and demanded immediate payment. I was flustered. They asked for my social security number and I gave it to them. They then asked if I lived in Arkansas. I said no. Never. They threatened again wanting payment. I refused and hung up. After that I noticed my first and last name were correct in envelope but the middle initial was incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: LA

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX on my report with experian. The loan was made in XX/XX/XXXX and It wasn't mine it was my husband loan it has been on my report since XX/XX/XXXX and every time I dispute it they change the date on the information and then tell that it's been updated. The loan was in XX/XX/XXXX and this is XX/XX/XXXX I paid off the loan and they are still refusing to delete the account from my report even though the time frame has exceeded the statue of limitation they keep changing the date and telling me they updated the account after it was verified to be mine. I am not saying it wasn't mine because it was my late husband 's account but I did pay it off and the time frame has run it's coarse.

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 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Opened a college checking account with Chase. Deposited 2 checks in 2 days, each for {$2000.00} ( from parent ). Funds were held until checks cleared, at which point Chase immediately closed the account. The closure letter, dated XX/XX/XXXX, said a check for the funds would be sent. It's now XX/XX/XXXX and no check has been sent. Chase indicates they are waiting to " verify '' the already-cleared checks. They won't say what " verifying '' means or when that might happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MD

Complaint narrative:
XX/XX/2017 The company is XXXX XXXX They have sent an account that was current to collections also they are requesting money on a cellphone that was returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
An Inaccurate BK # XXXX # XXXX is reporting only on Experian Credit report which is erroneous and fraudulent. I have never filed such public record or taken such action and it is very suspicious that this is the only bureau that it is reporting. I have filed several disputes acting on all my consumer rights, I have asked for and requested proof of some form of documentation and none has been supplied. I have filed numerous police reports as well. This is so unfair to consumers.

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 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Repeated calls from Convergent Outsourcing telling us to call them at XXXX XXXX XXXX. This company is a scam artist known for trying to collect false debts. I refuse to answer and am tired of the repeated messages left on my answering machine.

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 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Back in XX/XX/2019 there was a unauthorized charge from XXXX XXXX that came from my bank account through Fifth Third Bank I got in contact with the bank on several occasions was able to get a representative from XXXX and the bank on the phone together and have the funds reverse to my account coming up now onto XX/XX/2019 the bank took away a credit and said that the situation was not correct it between them and XXXX XXXX   closed this Feud and charge me a XXXX XXXX XXXX this put me negative and I have been stuck with nothing but excuses from the bank telling me they had to reopen their investigation extremely rude to me demanding paperwork that I do not have because this was an unauthorized charge Fifth Third kept telling me they need it prove I paid the bill and on several occasions I explained to him that there was no bill due to pay I can not provide you proof they told me to take 30 days to get this straightened out we are nearing a 30-day Mark with no resolution in my account now is double the amount it was negative the first time around and I keep constantly playing catch-up with no response from the bank and no help whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
On XX/XX/2019, I received a letter from Portfolio Recovery Associates, stating that my account was sold to them. I sent them a letter asking for validation, and they replied with copies of my monthly billing statements. 

On XX/XX/XXXX, I sent out another letter to them, via certified mail, asking them to specifically validate the debt. 

As per this consent decree of XX/XX/2015 brought by the Consumer Financial Protection Bureau against Portfolio Recovery Associates I requested that they produce affidavits from the original creditor that show a complete and accurate accounting of the amount alleged owed. 

I advised them that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. This is NOT a request for validation or proof of my mailing address, but a request for Validation made pursuant to the above named Title and Section. I am hereby requesting that their office provide me with competent evidence that I have any legal obligation to pay them. I asked Portfolio to immediately provide me with the following : *What the money you say I owe is for ; *Explain how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my State ; and *Provide me with your license numbers and Registered Agent.

Portfolio replied back saying that they are considering my dispute concluded since I did not provide any new information. However, it is up to them to validate this debt and provide me with the requested information. Otherwise all acts of collection must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: MA

Complaint narrative:
I filed a complaint already regarding XXXX XXXX, they sent a letter that this would be removed " forgiven '' and would update for the past 6 weeks " TRANSUNION '' has been lowering my score there is 100 point difference I went to apply for a mortgage and the mortgage lender saw XXXX  @ XXXX for score, XXXX gave two credit numbers mortgage was XXXX and credit card was XXXX, Transunion had XXXX as corrected score up until today XX/XX/XXXX they noted I had a SERIOUS DELINQUENCY and I have not missed a payment on any CREDIT that I have obtained since my husband died in XXXX which is clearly seen in my report, not 1 missed payment, TRANSUNION has reported that I have 30, 60 and 90 late payments this year in XXXX when I have not had a late payment on my report for me EVER.. I have not 1 misssed payment since I opened XXXX that was in XX/XX/XXXX and since I have had a good credit score and now it has gone done to XXXX for a Serious delinquency and I have the report and shows Nothing is late so I need this fixed I called Transunion and confirmed XXXXas my score on XX/XX/XXXX and today XX/XX/XXXX is XXXX and they said it was due to a late payment, there is no late payment on any credit I have

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 2019-06-04 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: GA

Complaint narrative:
This complaint is in reference to Experian credit reporting agency. I have been a victim of identity theft and have provided all requested documents to clear my name. However, Experian have not blocked the information pertaining to fraud according to the Fair Credit Reporting Act. This matter is urgent and requires prompt attention. I have file police report in the past and FTC report recently to resolve this issue. Please assist me in getting this matter over and done with. I am not responsible for the underlying accounts listed in this complaint. Thanks

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 2019-06-04 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: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
HRRG called my wife 's phone threating to hurt her credit. When I was on the phone with the lady I asked for Verification before proceeding with any communication. The Lady told me that she is not sending any more letter which is a violation. This company is harassing without proper verification. Without any verification any attempts to place any negative item on my wife credit is a violation.

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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
~I am a victim of identity theft. A forensic audit shows an identity thief used my personal information without permission to create mutual fund investment account securities violating the Privacy Act 1974. 
I have enclosed : 1 ) proof of my dispute letter to Rushmore Loan Management Services, LLC. 2 ) My Federal Trade Commission Identity Theft Report. 3 ) A copy attached the police report case # XXXX I filed with the XXXX Police department. In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, ALL TRUSTEE SALES, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft and to stop and correct. 
Stop and Correct ~ : Title~42 : USCS~1986 Knowledge and Stop-Correct-Wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XXXX XXXX, Chase sent me a emails stating a Change to my Account Terms for each of my credit cards. These terms changes stated that ( among other things ) I have to settle any disputes through arbitration, unless I mail them a written letter that I do not agree to arbitration. 

Why should they be able to send this notice via email, but to decline I have to mail a written letter for each of my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
A company listed by the name " Phoenix Financial Services '' claims I owe a medical debt of around {$230.00} for an emergency room visit around the middle of 2017. They claim they mailed me a letter, which I did not ever receive. When I called them, they did not even ask me to verify my information, and read my entire social security number aloud. They will not dispute any charges which is my right under the FDCPA. They claimed the 30 day window has passed, but it is not valid since I did not receive a letter. They were very hostile and argumentative with me on the phone, and their demeanor indicated this is not by any means a legitimate or professional company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: NY

Complaint narrative:
On XX/XX/2017, I received a letter confirming my credit freeze after the security breaches that occurred during that time. I have tried to unfreeze my account via their website and they are assuming or claiming that the same information that was provided to them almost three years ago is incorrect and I have to send them " identity information. '' I engaged in the same process with XXXX and XXXX and was able to successfully lift my credit freeze for both institutions in less than 10 minutes. When I tried calling the number to speak to a representative, all I received was a robot that either ( 1 ) gave me no option to speak to a representative ; or ( 2 ) simply hung up on me. 

Now, due to this freeze, I am unable to consolidate my student loans via a private service provider and in a perilous position due to negligence. Since the information provided in XX/XX/2017 is still valid, why do I, the customer, have the burden to prove my identity since they already have all that information on record? Furthermore, why is Experian the only of the three credit bureaus that is unable to complete this task? Even if i proceeded with said lengthy process that is imposed on me, I would probably have to default on my loans since the freeze is the only obstacle between my loan consolidation ( and default ).

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