vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting a Closed Charge-off XXXX  XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the Closed Charge-off XXXX XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX, I did not give authorization to XXXX XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information 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 explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Drees Company, Inc.
State: VA

Complaint narrative:
I have a current loan application for a brand new construction home with XXXX XXXX. Lender is First Equity Home Mortgage. It has been in process since XXXX of this year and closing should be XX/XX/2018. I was supposed to receive XXXX at closing for using this lender because I receive closing costs for having a XXXX loan. He has received my paystubs for the past 5 months and has my offer letter when I started my new job In XXXX. Yesterday he called me to say I was not going to get the XXXX  loan or the XXXX at closing because I worked some overtime and went over the income limit. I told him why he didnt say anything about the limit since he has been receiving my paystubs for 5 months. He said he didnt know I was hourly! He has my job offer letter! He didnt even look at my paystubs once before yesterday. He also said he was late to request the appraisal and and would not have closing docs ready for XX/XX/XXXX. I already had those XXXX compromised to pay back a loan of XXXX I did to pay an account. I have to pay it back after closing. I also have a large number of contractors scheduled to do extra painting, install blinds, deliver furniture, washer dryer that I cant cancel. This lender has not been accountable at all. I am renting and have to leave my apartment on the XXXX. He just said I can have an FHA loan but dont get my money and have higher interest. He screwed me so bad I dont know what to 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 explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LDF Holdings, LLC
State: AL

Complaint narrative:
I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response.

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. 
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. 



If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. 

XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
They told me the interest rate was only XXXX dollars. As pretty normal for payday loans. However I got a loan for XXXX and am expected to pay fees and interest totaling XXXX by the end of XXXX. 

This is absurd they think they can take peoples money like that. Im young and fell into a financial emergency because of an accident. Or else I never would have used them. I have used companies like lend up before who have a real payday system in which you pay XXXX on top of what you borrow which I assumed is what this company was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account is result of an identity theft, I have no knowledge about the account filed with Bank of America with the amount of {$310.00}, XXXX listed under my credit report. Issue was brought up with the bank 4 times already without any solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This credit card account was supposed to be interest free as long as I paid it off by XX/XX/2017. I paid off all the purchases but then they charged me interest and now all these late fees on the interest. In addition, they are reporting this invalid balance as delinquent on my credit bureau report. I wrote them a very detailed letter and they never researched it or responded which is a violation of FCRA regulation.

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 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have sent a debt validation letter to XXXX XXXX XXXX XXXX  and did not receive the proper proof that any of these accounts are valid or mine they didn't send any original paper with my signature.They had 30 days and they only sent a bill paper I sick of this company and putting my credit down.Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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:
On XX/XX/XXXX, XX/XX/XXXX and again, on XX/XX/XXXX, I have written to Experian Credit Reporting Agency and requested they update the incorrect names and addresses they have listed on my consumer credit report.I have provided State of Florida photo identification, tax and other documentation attesting to my name and address. I have never used any aliases or lived at any other address, then the one ( 1 ) I live at : XXXX XXXX XXXX, XXXX, Florida XXXX. They have multiple names and addresses listed for me which are incorrect. Dealing with them, has been nightmarish. An effort in futility! My name is XXXX. XXXX XXXX. I have never used any other name, for any reason. Nor have I lived at any other address other than the one I mentioned above. I want Experian to delete the inaccurate addresses and names. Then mail me an updated copy. Thank you, XXXX XXXX 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 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: AR

Complaint narrative:
On XXXX-18 I sent a certified letter ( tracking # XXXX to JH Portfolio Debt Equities which was received on XXXX-XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair  debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XXXX XXXX, 2018 I tried accessing my online banking with Bank of the West. I encountered a verification communication that I was required to agree to, unconditionally and ongoing or not be able to access my account. I was not willing to agree to the demand and have now been unable to access online my business or personal accounts. After getting no result with phone customer service, or from the folks at the branch where I bank, I did some research and got the name of the bank president and figured out her email address and sent her a direct communication, as no one under her had been able to help me. I received an anonymous response from an associate of hers saying my complaint was forwarded to compliance and I'll hear back from them within 5 weeks. I wrote back that was not acceptable, as my business is in high season and now my livelihood was on the line, could they please help. I received a call from the online department who was able to bypass the verification block by having me reset my security questions, which allowed me online access at that time. However, I am still blocked. If I want to get online I must call and connect with the online department who then bridges the gap. The communication policy now being required offers no options other than unconditional release of my phones, email and other devices to receive unscreened, unsolicited communication of any sort, at my expense from their outside vendors and independent contractors for an open ended purpose. No guarantee that those vendors won't pass along the information either. HERE IS A COPY OF THE AGREEMENT I COULD NOT ACCEPT.. notice the term " for other reasons '' which leaves the door wide open.. 

By entering into an agreement with us, you expressly agree and consent that we, any of our affiliates, agents, independent contractors or service providers : May monitor and record telephone calls to assure the quality of our service or for other reasons ; May use written, electronic or verbal means to contact you ; and May contact you by using any email address or any telephone number you provide, including a telephone number for a cellular phone or other wireless device, regardless of whether you incur any charges as a result. 

By your entering into an agreement with us, you are expressly consenting to, without limitation, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems regarding any current or future accounts, loans or other banking services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 - I disputed this debt in writting with AR Resources , Inc . This medical debt, is from XXXX XXXX XXXX XXXX. I have never received treatment of any kind from this group. This is either mistaken idenity or the result of fraud. I suspect, fraud. A woman was using my personal information fraudulently. Either way, I was never treated by this medical group. And want them to stop reporting this inaccurate information to XXXX   consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Contacting my parents instead of contacting me directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: TN

Complaint narrative:
I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX  fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: DISCOVER BANK
State: MO

Complaint narrative:
Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In the state of California, the statue of limitations to collect on a debt is 4 years. There are 2 accounts from XXXX XXXX that are reporting on my credit report : 1 ) Account # XXXX Date Opened XX/XX/XXXX 2 ) Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX responded XXXX The law limits how long you can be sued on a debt. Because of the age of debt, we will not sue you for it. '' Also, I have disputed these accounts several times asking XXXX XXXX for physical verification. I mailed all letters certified mail with signed returned receipt on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I requested a copy of the contract with my signature that says I agreed to pay them for this debt. I do not have a legal agreement with XXXX XXXX to pay this debt and I asked them several times to remove these accounts from my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay them for this debt, they must REMOVE both accounts from my credit report. 

XXXX XXXX has responded by sending me old credit card statements from the original creditor. Statements are not sufficient in verifying debt. The law states you must provide the original contract with my signature. XXXX XXXX has and continues to violate my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hard inquiry from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom it may concern : On XX/XX/2018 we rented a compact car from XXXX XXXXXXXX in XXXX XXXX. The rental fee amount for the duration of the rental ( 10 days ) was paid in cash, in order to get a lower rental rate. Per our contract attached to this document, there was a rental refundable deposit charged to our card in the amount of XXXX XXXX pesos, plus {$1300.00} added to cover rental fee difference, due to cash shortage at the time of the rental. 

On XX/XX/XXXX, the vehicle was returned with no damages or fuel charges. We were told the deposit would take approximate 2 weeks to show on my credit card. On XX/XX/XXXX, per merchant request a copy of the contract was transmitted over " XXXX '' application and agreement was reached to refund deposit in the amount of XXXX. Per merchant " XXXX '' communication, attached to this email, the refund was going to be issues on by Friday that week. Per " XXXX '' chat transcript attached to this email, the merchant agreed on returning deposit by Friday XX/XX/XXXX end of business day. So far we have not received the refund. 

Today, we contact them again and were told that due to an internal government and bank fraud investigation all funds have been frozen pending an investigation. 

Citibank has closed the case on me twice and have not provided a credit to our 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 monetary relief