vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tan Oak Financial
State: OK

Complaint narrative:
I took out a payday loan back in XXXX or XXXX for XXXX $ I have not been contacted until a couple of weeks ago by someone saying he was a lawyer and that I could go to jail if I do not repay because my ACH is considered a hot check and its illegal and that I had until the end of XXXX to repay the entire XXXX $ well today is the last day of XXXX its the XXXX and I have been called by this man saying hes a lawyer 5 times back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CL Holdings LLC
State: PA

Complaint narrative:
Around XXXX of XXXX I had a XXXX XXXX  account that I was unable to pay and it went to collections. In XXXX of XXXX Jefferson Capital Systems listed the debt as new and my credit score went down drastically. I have disputed it twice with XXXX  and it has not been corrected. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold.Please adjust this on my credit report. Also, I paid off a loan with XXXX XXXX XXXX XXXX  in XXXX of XXXX and they reported the payment 30 days late. I made a satisfactory payment in XXXX of XXXX and paid the remainder of the loan in XX/XX/XXXX. I was not late in my payment. Please also have that removed. I have tried calling XXXX XXXX XXXX and they refuse to change the reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
Inquiry on my account I didnt approve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: WA

Complaint narrative:
I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

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 2020-02-29 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

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 2020-02-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
I only borrowed XXXX from 1st Franklin Financial in XXXX Louisiana and they are making me pay back XXXX which is suppose to be insurance for a person which if they fall behind paying XXXX a month is expensive for me they told me it would help if I fall behind and then when I did they said something different if you lose your job that was not what I was told getting the insurance I was told if I fell behind now XXXX threatening me about taking my vehicle and asking me what I'm doing with my money I want to file a suit on them I have been worried, frustrated and humiliated I just want something to be done I would be surprised how they treat the other customers when they fall behind I even have tried talking to them it don't help please help

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 2020-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc.
State: PA

Complaint narrative:
I applied for a mortgage on XX/XX/XXXX and the Lender has not contacted me and has not provided me with a Loan Estimate within the 3 business day requirement. 

I have left multiple messages and contacted them through their system and received not response from them. I have uploaded all the information they need for my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
Hello, I am writing in concern that there have been a series of complaints against Americredit ( GM Financial ) regarding the receipt of titles to cars and liens being released. I recently went to the county to try and get a copy of the title for my car. The woman at the county treasurer informed me that I was not the 1st place security interest. This car was paid off at the time of a vehicle purchase at XXXX XXXX in. XXXX, IA. That was back in XX/XX/XXXXand here in XX/XX/XXXX I can not sell the vehicle as needed. This has caused me some financial strain because I need to sell the vehicle. I called GM financial to see why the lien was not released. Two different representatives thought I was requesting a copy title from them and sent me to some website to reorder that. When I told them that there was lien they still did not understand that and still tried to direct me to get a copy title. After I slowed the rep down and really explained they still hold first place with the county she understood. Then I advised I needed a notarized copy with a wet signature showing that I own the vehicle. She said ok and tried to direct me to a the website. Where I have to pay for something that is not my error. The representative was courteous and provided a code to waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have an existing account with Wells Fargo that was affected by a previous account I asked them to close because someone stole my purse while XXXX  shopping. They gave me a new account number and I have had this account for several months with no over draft of NSF 'S or anything returned and they put a block on my Account due to them wanting to close it which they said it was a business decision but also said they will be holding the funds of {$2000.00} that is my money and I went into the branch and asked them to give me my money and they will not saying it will be 10 days after the account if fully closed. I just need my money its mine

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 2020-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Hello, First I would like to say that Lendmark Financial is a great company and I plan to continue to do business with them if they see fit. I requested a car loan for my husband back in XX/XX/XXXX and we were approved for the vehicle. He was hospitalized for weeks due XXXX health and was out of work for some time. My husband was sick again during the time of XX/XX/XXXXand XX/XX/XXXX and he was not being paid for his time out which caused the account to go past due XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX we were late 30 days and XX/XX/XXXX I was also late 30 days. Unfortunately, we had a death in the family and I was responsible for the cremation and the memorial services which set me behind those 2 months for my car payment. I will also admit with much going on I also lost track of my financial obligations. 

Although the loan has been refinanced and well appreciated, I'm still taking a big hit with my credit score and at this time, I'm trying to get approved for a mortgage. Please consider updating the past due history for the previous loan. 

Lendmark Financial was gracious enough to refinance the loan in which I am thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK
State: NJ

Complaint narrative:
I attempted to close my credit card with Commerce Bank on three separate occasions. The first time I tried online, received a notification on the screen that the account was closed, but it was still showing up 2 months later in my online banking page as active. The second time I tried over the phone, they claimed I could not close it because it had a pending charge. I asked to not let that charge go through, but they refused. The third time I went into the bank branch, with a family member as witness in XX/XX/XXXX, and closed both checking and credit card. I was assured the accounts were all closed and I had no cards or accounts with them. I continued to monitor my account, but 2 months after my online banking information was deleted as I had no accounts to watch. I then moved states a few months after that. I have received no contact from Commerce Bank. 

In XX/XX/XXXX, I received notice from the people that lived at my previous address that I had mail from Commerce. It ended up being a " missed payment '' notice. When I called the bank to inquire why this account was still actively being charged, they informed me that it had NEVER been closed and was still active. It was a fraudulent payment from XXXX in XX/XX/XXXX from California and is now on my credit report. This would not have been possible had they closed the account when they told me they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: IA

Complaint narrative:
I changed my name from XXXX XXXX credit score over 800 to XXXX XXXX. I contacted XXXX, Experian and XXXX   with the proper court documents with my name change so they could merge my score from XXXX XXXX to XXXX XXXX. They replied and said they would fix it. It has not been fixed my credit history is only covering my new name XXXX XXXX. This happened because I am XXXX and the credit agencies are not reporting my credit history correctly.

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 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened an dispute with PNC bank regarding charges from an account that was unauthorized and PNC reversed the fees claiming it was valid and it was not. I was charged on XX/XX/XXXX and the card ending in XXXX was a card that was suppose to be closed and PNC said the cancelled my card and no other charges will be taken from that card. on XX/XX/XXXX I noticed other charges was still coming out of this card including a charge of {$52.00}, {$250.00} from XXXX. PNC is allowing fraudulent companies to debit my account, I want my {$210.00} reversed and put back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint involves a line of credit that I have with Wells Fargo. The account is 5 years old. I don't remember opening the account or never used the account. I never needed the account. Every year the account did not appear on my online account except when it was time to pay the {$25.00} fee for the account. I always made the payment online. I would say that I wanted to close the account but never able to do so. I was told that if I closed the account I would not be able to reopen the account. In XX/XX/XXXXI told the person on the phone again that I want to close the account and that I never needed the account or wanted it. A few day later I saw on my online account that my credit card was closed. My credit card was separate or should have been. I surmised that the two account may have been linked. I went to Wells Fargo located in XXXX on XXXX XXXX XXXX. They could not see what had happened but managed to reopen my credit card which had a balance on it. The could not give me any information on the line of credit or close it. I didn't have an account number, credit card or check and no way to access this account. I received a letter stating that the matter had been sent to mediation. 
Later I received a welcome package. The case had already gone to mediation. I did try to contact the person who had sent the package and was told they didn't know how to reach her. 
No agreement was met in Mediation. 

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 monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I called CITIZENS ONE on three occasions enquiring about my annual refund from my ESCROW account and was told the check is on its way but to date it has not arrived. I am also querying the AMOUNT which is less than in prior years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/20 my Paypal claim XXXX for non described defective item was resolved as merchant refunded {$8.00} payment. However Paypal violated policy by reopening closed claim on XX/XX/20 for fabricated reason of recurring payment, framing me for having done so, & refusing to inform me of this action. My bank dispute closed XX/XX/20, & Paypal is in possession of closure letter same day of closure emailed to chargeback@paypal.com. This  demonstrates a willful violation on Paypal 's part to reopen ANY previously closed claim for ANY fabricated reason, in violation of their own policy to leave closed claim closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I received email that account was closed but when I logged in on XX/XX/XXXX I saw a balance of {$.00}. I received a email on XX/XX/XXXX indicating account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I have a verbal agreement with the manager of the company in front of his lawyer of XXXX a pay period, I tried to make the payment for this pay period on their website as I have done since XX/XX/2019 after the agreement and it won't let me make the payment, the website says the XXXX is less than the agreed upon amount, I have received no notification from them that I can no longer only pay XXXX a paycheck. I feel this is an unfair practice to make me miss a payment so they can sue me. I have tried several times to make the payment and it won't go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CL Holdings LLC
State: FL

Complaint narrative:
I XXXX XXXX contacted the original creditor XXXX consumer use XXXX at that time I was informed that thi debt or collection is voided and invalided. this account was sold to Jefferson capital system on XXXX Jefferson fail to provided information to me about this matter this account do not blong to me I have no information about this debt I have provided a mailing address im requesting documents of this account and proff.within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CA

Complaint narrative:
This is an invalid debt. I have made every effort to have this information corrected. However, XXXX XXXX XXXX XXXX refuses to acknowledge this error and has left it on my credit report, this has effected my life in a negative manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. M & T Bank maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.

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 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a ticket to a musical on XXXX at their box office for {$140.00} using my Capital One Savor card. Purchases for entertainment are credited with 4 % rewards dollars but this purchase was categorized as " Other '' and received only a 1 % reward. I called Capital One about the problem on XXXX and they said they would research. They called back on XXXX and said that they could not change the category of the purchase and would not credit my rewards using the higher percentage.

Company response to consumer: Closed with explanation