vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I took out a loan with XXXX in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with XXXX was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get back.

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 2019-09-06 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: TN

Complaint narrative:
I still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.

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 2019-09-06 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: TN

Complaint narrative:
I still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I was called by a private number in XX/XX/XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by XXXX XXXX and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I was called by a private number in XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by Speedy Cash and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: MD

Complaint narrative:
Originally, I used the credit card to pay a year of phone service on my brother 's ( XXXX ) account with mint mobile on XX/XX/2019 in the amount of {$190.00} billed as XXXX XXXX XXXX CA. However, on the same day the phone payment was placed on a security hold SECURITY CREDIT-ITEM UNDER INVESTIGATION. 

Because of the problem, I have had to use another credit card XXXX XXXX to pay for the phone service, because once the charge was reversed, the phone company disconnected my service. I also called into Citi soon after, letting them know that the charge was legitimate. 

Citi reports that they reinstated the charge and paid XXXX XXXX on XX/XX/2019. However, XXXX XXXX has no record of the payment. So essentially, I have paid XXXX XXXX three times, once from Citi ( reversed ), once from XXXX XXXX, and again from Citi ( after the security hold was lifted ). However, they only have a record of the XXXX XXXX   credit card payment and the reversed Citi payment. 

My brother and I have called/emailed both XXXX XXXX and Citi multiple times. XXXX XXXX insists they have no record of the transaction and Citi transfers me repeatedly between customer support and their security dept, but neither can help me. Citi has reported that they are unable to dispute the charge as XXXX has recommended.

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 2019-09-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
I had an account with Onemain Financial that was charged off and sold. Onemain created a duplicate of that account without my authorization and reported the account with a balance. This duplicate account has the same open date and same charge off amount as the original. As a result, my credit report reflects two separate charge offs from Onemain for the same debt. I have disputed the duplicate account with the credit bureaus, but Onemain verifies the duplicate account as accurate. I disputed the duplicate account with Onemain and they simply updated the status to show " Reached an agreement with a lender to repay only part of the original debt '', which is not accurate because I never attempted to reach an agreement with them and I never paid any money to settle this duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This lawyer keeps taking me to court without me being notified

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 2019-09-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call from someone who claimed to be a debt collector informing me that I owed {$500.00} to a school I previously attended in XX/XX/XXXX. Prior to the call I was never notified through the mail, email, or over the phone. I informed the woman on the phone that I knew this could not be correct and that I would not pay the fee until I contacted the school. 
Immediately after ending the call with the " debt collector '', I called my school and explained the situation, and a woman named Mrs. XXXX said she would look into the situation further and would call me back. 
I waited two weeks and still had heard nothing, so XX/XX/XXXX I called the school and spoke to Mrs. XXXX and was able to get the situation resolved. The same day she was able to send to me proof that I didn't owe the school the {$500.00} and that it was a mistake on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CT

Complaint narrative:
I have contacted Discover Card regarding my account on several occasions, either by phone or by email. The last two email regarding this issue was on XX/XX/2019 ( reference # XXXX ) and XX/XX/2019 ( reference # XXXX ). 

The issue is that my account had originally been locked while I was enrolled in a payment plan. I could not afford the payments at the time and they helped by reducing my interest rate to 9.99 %, which lowered my payment. The stipulation was that my account had to be locked, which I was 100 % fine with since they were helping me. 

The problem is when my payment plan expired, my account remained locked but my interest rate jumped back to 19.99 %. As of this filing, my account continues to be locked and my card unusable - but I'm paying on an interest rate that is applied on the presumption that the card is usable. As of this email, I can not use the card and Discover will not unlock it. 

My money is going to nothing that I can use! I'm paying over {$300.00} towards a balance that I can not use if I had an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have excellent credit and my credit score is always above 760. In 2014 I have received a pre approved offer from Chase card for a new credit card. I have called and because of my excellent credit history they approved me with a credit card for a total of XXXX credit limit. I have been using this card for my everyday purchases since 2014 and been a loyal client for them. About one week ago I was trying to pay for a gas at XXXX gas station and my card got declined. Also couple of days ago I have received a letter from them which says that they decided to close my account because I don't have enough credit. 
I have called them but they did not give me any reason and they told me that it is their decision and can not be changed. I have excellent credit history with excellent credit score. If they approved me and my credit was enough for them how come it is not enough for them now. 
I have attached copy of their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was offered {$150.00} to open the account, and spend {$1500.00} in 90 days. The {$150.00} was to be paid in two parts. {$100.00} after meeting the spending requirement ( got it XX/XX/XXXX ). {$50.00} was to be posted 45 days later. 

It's been more than 45 days. I've written an two emails, made three phone calls, uploaded a photo of the offer and NOTHING. Reference numbers XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2019-09-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank XXXX XXXX submitted one of their bank checks # XXXX to Chase Bank in the amount of {$65.00} dated XX/XX/2019. However the check was sent to the wrong Chase account. The Chase account that the check was sent to was a closed Chase credit card account. My bank XXXX XXXX and myself were on a conference call to have the monies refunded. XXXX XXXX  opened a case for this transaction. However Chase Bank admitting that they cashed the check of which I have copies of front and back refuses to refund my money because I do not have an open account with them, although I have a number of other Chase credit cards. I have been on the phone with them a number of times. On XX/XX/2019 I was on the phone with Chase for 30 minutes and was informed that they could not help me and that I had to walk into a local branch where they would be able to resolve the issue. I went to a Chase local branch in XXXX XXXX and sat with a branch manager for over an hour and they refused to refund my money because I did not have an open account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Holloway Credit Solutions
State: AL

Complaint narrative:
EX SPOUSE WORKS FOR PROFESSIONAL COLLECTIONS AND HAS IN THE PAST VOWED TO " RUIN '' MY CREDIT PLEASE TAKE THIS INTO CONSIDERATION WHEN REVIEWING THESE DISPUTES I HAVE BEEN TRYING TO GET THESE MEDICAL BILLS AND FRAUDULENT ACCOUNTS UNDER CONTROL FOR OVER A YEAR NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
This is not fair and all facts should be looked at. This was first a workmans comp case that was wrongfully entered back in XXXX. When workmans comp contacted me I told them this was personal injury and provided health insurance. 2 years later I was never notified of the debt until it showed on XXXX. I called and paid ASAP. I am a business owner and check my credit history Im 100 % on payments. Zager collection claims it was put in back in XX/XX/XXXX. Never revived any mail or anything on this debt. I was forced to pay to avoid bad credit rating. XXXX says it was put in XX/XX/XXXX. Theres a date Discrepancy. When it says XXXX. Good way to Ruin someones life and credit. Its wrong to put this against me and drop my credit rating. Please resolve or help me resolve to get removed. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: SC

Complaint narrative:
Turned me in to the credit reporting agents when i ask to validate the debt they never did when I went to the site to see if I owed a balance the statement had a XXXX balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: OH

Complaint narrative:
Well, its kind of been a snowball effect ever since I got my first payday loan. They have identified me as prey in their predatory loan schemes. I have been struggling to keep my head a float but now I am completely submerged and drowning. My bank account has not been a positive number for nearly a month. I have 5 payday loans in the state of ohio for amounts of {$1000.00} to {$300.00}. I can't pay any of my other bills, or afford the overdraft fees my bank have XXXX me with. XXXX XXXX has not been understanding of my financial situation and I can't get a loan to consolidate because of my recent credit history, utilization and delinquency. I can't pay my bills, yet XXXX, XXXX, spotloan, XXXX, XXXX, XXXX, are robbing me of every dollar I make. I don't know how to resolve this situation and I can't work enough hours or make enough money to end this cycle. I tried by getting a unsecured loan for XXXX but have now gone into default with this loan as well. My credit was starting to get better, but after an unexpected expense it has led to this. I am severely afraid for my financial future and need some one to protect me from these predatory lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted both Experian and XXXX about an account on my credit report. XXXX XXXX Bank is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX Bank doesn't have any such documents to prove a loan. I sent documents to both Experian and XXXX to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXX Bank to report incorrectly. 

Also, Experian is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.

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 2019-09-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted both XXXX and Equifax about an account on my credit report. XXXX XXXX XXXX is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX XXXX doesn't have any such documents to prove a loan. I sent documents to both XXXX   and Equifax to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXXXXXX XXXX to report incorrectly. 

Also, XXXX is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.

Company response to consumer: Closed with explanation