vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
XXXX report says : XXXX  on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXgave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting 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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: HI

Complaint narrative:
XXXX report says : XXXX on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them.

XXXX  report says : Discover bank XX/XX/XXXX  gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX  XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXXX/XX/XXXXthey gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX, a banker then a teller at 2 US Bank branches informed me that if my balance went to XXXX  the account would be closed. I did in fact close out the account in this manner. I no longer monitored this account as I had already done so to insure no outstanding checks or debits were posted. Now in XX/XX/XXXX I receive a letter informing me that I owe 2 months service fees and another past due fee. I took this letter to one of the same branches and another banker told me there was nothing she could do about it. This letter also claims " You have been contacted recently '' regarding this matter. It does not say how I was supposedly contacted or dates or times. This letter also threatens to damage my credit with other financial institutions. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT THE CREDIT REPORTING AGENCIES A SUPPORTTING DOCUMENT THAT WAS VERY RELIVANT TO MY DISPUTE WITH THE CREDITOR XXXX XXXX XXXX REPORTING INCORRECT INFORMATION. THE CREDIT AGENCIES HAS NOT AKNOWLEDGE MY DOCUMENT AND CHOOSE TO OVER LOOK IT FOR THE DOCUMENT SHOWS I HAVE NEVER BEEN LATE. I ALSO SENT THEM MULTIPLE DISPUTES BUT ONLY TO BE MIS LEAD STATING IT WAS CORRECT. WHICH I HAVE SUPPLIED THEM A LETTER DIRECTLY FROM THE CREDITOR DISPLAYING ON TIME CORRECT PAYMENT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I SENT THE CREDIT REPORTING AGENCIES A SUPPORTTING DOCUMENT THAT WAS VERY RELIVANT TO MY DISPUTE WITH THE CREDITOR XXXX XXXX XXXX REPORTING INCORRECT INFORMATION. THE CREDIT AGENCIES HAS NOT AKNOWLEDGE MY DOCUMENT AND CHOOSE TO OVER LOOK IT FOR THE DOCUMENT SHOWS I HAVE NEVER BEEN LATE. I ALSO SENT THEM MULTIPLE DISPUTES BUT ONLY TO BE MIS LEAD STATING IT WAS CORRECT. WHICH I HAVE SUPPLIED THEM A LETTER DIRECTLY FROM THE CREDITOR DISPLAYING ON TIME CORRECT PAYMENT HISTORY

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/XXXXwe purchased a XXXX XXXX XXXX XXXX from a company called XXXX. We had auto draft payments every 2 weeks. At one point we made a early payment and it automatically canceled out the auto payment for that week. Everything was going fine with the payments until the XX/XX/XXXX payment was due, first the loan was transferred to a company called Bridgecrest. I made another early payment on XX/XX/XXXX, and thought nothing about the auto draft payment stopping, because it had always dropped in the past. But for some reason the auto pay did not drop and I was charged twice, this was devastating to our checking account, because a domino affect happened where everything that tried to clear was charged an overdraft fee, we have payed around {$600.00} in service fees. We called Bridgecrest to talk to them about why they had taken an extra payment, and told them about the service fees. At first Bridgecrest denied any wrong doing. So I reached out to our prepaid legal services to see if they could help us, The lawyer was able to get the extra payment refunded back to us, but Bridgecrest still refuses to take responsibility for the service fees, our attorney has advised us to write this letter to you since there is nothing more they can do for us without spending money to go to court which we don't have. We have been living in the negative in our bank account since this has happened, been unable to pay bills, even our van could be repossessed if we don.t come up with another {$670.00} by the middle of XX/XX/XXXX, plus pay my cousin back {$660.00} by the XX/XX/XXXX as he helped stop total repossession of our van.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Procollect Inc ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge, as a result of identity theft. After receiving this information via a certified, registered and tracked letter ( Procollect Inc ) continues to report the unknown fraudulent account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$680.00} ). ( Procollect Inc ) did not respond to my request either.

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 2018-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: NC

Complaint narrative:
My now ex-spouse and I got divorced during the divorce all the auto were to remain with her both truck and suv. She accepted full responsibility for these loan which she turned and filed in a chapter XXXX. The divorce Judge signed the agreement. The lender refused to delete the negative loan from my credit reports and I disputed showing all my legal paperwork and the CRA have yet to update. I have emailed and contacted the lender with no response. I am still being hurt from this past with her even though I have legal paperwork showing I am not to be held accountable for these loans! There are two different lenders involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I have a mortgage serviced by LoanCare. On XX/XX/XXXX, I submitted a written request to have PMI payments removed. I received an automated response asking me to allow 5 business days for my inquiry to be processed. 

I received no further response until the end of XXXX, when I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) informing me that I had to pay to have the property appraised before PMI payments could be removed. Largely due to this delay, PMI payments were not removed until XX/XX/XXXX, nearly four months after my written request. 

On XX/XX/XXXX, I submitted a complaint and requested a refund for some PMI payments. I again received an automated response asking me to allow 5 business days for my inquiry to be processed, but then I received no further response. 

On XX/XX/XXXX, I sent a follow-up email to customer service and opened a case with the Virginia XXXX XXXX XXXX. Once again, I received an automated response but no further response. After some delay the XXXX contacted LoanCare on XX/XX/XXXX. 

Finally in XXXX I received a letter ( Dated XX/XX/XXXX ) from a mortgage resolution specialist at LoanCare agreeing to refund a single month of PMI payment, which I do not consider to be an acceptable resolution. 

The decision to refund only a single month of payment was based on an assertion that LoanCare is allowed to take up to 30 days to respond to the written request to have PMI payments removed. According to the documents signed at closing, LoanCare is supposed to respond " promptly ''. I spoke to the mortgage resolution specialist, who made the claim that the CFPB defines " promptly '' as " 30 days ''. However, the CFPB customer service representative that I spoke to was unaware of any such definition, and upon inspection of the Homeowner 's Protection Act I confirmed that there is no such definition. 

Further research revealed that LoanCare has had 398 complaints lodged against them over the past three years : https : XXXX Many of these complaints are of a similar nature to mine. Together with my own experience, this indicates a practice of intentionally over-collecting PMI payments by ( 1 ) delaying the response to the request to have PMI payments removed, and ( 2 )  ignoring customer complaints.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: AZ

Complaint narrative:
I gave notice for them to stop calling. They bought a debt and I let them know I have no contract with them. Still called several times after I told them to stop calling. This was the most recent call on XX/XX/2018 at XXXX. 

Company is called EGS Financial Care , Inc. Their phone is XXXX and Fax is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the Trans Union, XXXX, and XXXX  show as being late 119 days. 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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the XXXX XXXX, Equifax, and XXXX  show as being late 119 days. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: GA

Complaint narrative:
I sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.

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 2018-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
When i applied for the loan i was asked when are pay days. I told them fridays. 
but everytime they try to withdraw the funds its a wednesday. I have reached out to them numorous times to get the correct day but they ask for letters from HR and pay stubs with the new day. I have explianed its not a new day its the day i agreed to origanlly. They will not budge and its costing me a small fortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: PA

Complaint narrative:
I have been making all payments on time but for the last 2 months I have been unable to log in to pay my bill. Website says service unavailable. I'm pretty much at the end of my loan & I can't even log in to see my balance or if I'm getting charged late fees & extra interest all this time. It's very frustrating because I just need to be done with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I followed proper protocol to end my lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX FL XXXX XX/XX/2017. I have email confirmation that I proved to have my final bill sent so that I could make plans to resolve it. To this date I have not received a breakdown of any amount owed. I have attempted to contact the leasing office for this information and have not received a response. I believe it was XX/XX/2018 I was contacted by a company called IQ Data demanding I pay them. I attempted to advise them I would like a break down of what was owed. IQ data advised they do not have an account number nor could they provide me of a breakdown for what they were saying I owed. The person was very rude and nasty to me. I asked to speak to a manger who was argumentative and rude. I sent the leasing office another email and have not received a response to it yet. I am asking for anything owed to be considered XXXX for the way I was unfairly treated or at the bare minimum to decrease the amount owed and send me a break of the total amount they say I owe and why. Thank you in advance for any assistance that you can provide with this very unpleasant matter. I have XXXX  the address for IQ Data and will be sending them a copy of my concerns along with a copy to the leasing office

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2018, I applied for membership and a savings account online with XXXX XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, MI. I wanted to become a member because I will be mortgage shopping and I liked XXXX 's rates. At the end of the application, I had to check a box saying that the XXXX XXXX XXXX XXXX would check my identification per Federal regulations. The notice did NOT say they would do a hard pull of credit, yet XXXX DID do a hard pull on my credit report which I would never authorize unless I was applying for a loan. By XXXX pulling a hard credit report, my score will fall by 5-20 points. I would never have applied to open a savings account had I know they would damage my credit score by doing so.The statement authorizing XXXX to verify my information does not specify they are doing a hard pull, and it is vague and deceiving ( attached ). I suspected by reading the verification authorization they would do a soft pull, thereby not damaging my credit score. I feel deceived and believe that XXXX must flatly state that they will pull a hard credit report when opening a savings account according to law. At no time or no place on the XXXX 's membership page do they state that they will do a hard credit pull. My score of XXXX will now be XXXX, therefore I have to wait to apply for a mortgage for 2 years because I will be charged higher interest rates because of the deception of 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 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two credit card accounts with Capital One. On XX/XX/XXXX at XXXX PT I contacted Capital One to advise that I might make my payments a few days late for my XX/XX/XXXX due on both accounts, due to a recent auto accident that has impacted my financial situation. I also told the representative that this situation is temporary. The representative advised me that she would enroll me on a program called 3 month fee suppression, that would suppress late fees for three months. She did not give me any details on the program and just told me that a letter explaining the program would be mailed to me. After disconnecting from my call I decided that the program was not something I needed or wanted, and contacted Capital One again at XXXX PT and requested to the program to be removed from my account, since it was not something I wanted or requested and my call was only to advise Capital One that my payments will be made a few days late and I will be responsible for late fees and I was told that I could not be removed or unrolled from the program. Today I contacted Capital One again at XXXX PT and first spoke with XXXX ( supervisor ), then with XXXX ( manager ). Both refused to remove the program from my account. XXXX told me that as long my account is current I can be unrolled from the program. She confirmed that as of today XX/XX/XXXX my account is current, so I asked again, since my account is current if can she take me off this program and she still refused to remove the program from my account.

Company response to consumer: Closed with explanation