vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: HI

Complaint narrative:
paying on my loan for over 72 months.. and interest continues to compound.. the loan I am under will have me paying for an additional year This loan has continued to occur miscellaneous fees that has me paying an interest rate owing additional money over the life of the loan this company practices should be illegal.. I will be taking a copy of my loan to A lawyer XXXX morning to find out my rights.. I am looking into suing this company to protect others that they maybe using these predatory practices on. Attached document shows loan should be completed as of XX/XX/XXXX.. I currently still owe XXXX as of XX/XX/XXXX when I called the creditor.. the explanation was because of late payment being a month behind they have charged me additional interest onto the loan each Month.. I am willing to talk to the media.. I will be speaking with jag and allowing them to use my payment history to see if they can have this company listed and banned due to their as one of theirpredatory loan practices to protect other young soldiers who may not have an understanding of loans and do not understand what companies like this does I contacted Regional Acceptance corporation in XXXX and in XXXX and they would not cancel the fees!

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 2020-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: FL

Complaint narrative:
I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent 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 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had my 5th/3rd bank account for 1 year and 3 months as of this writing. Never been late with a payment. I transferred almost XXXX worth of balances to said card to open the account. Paid off the balance and use it every month for my cell phone. Minimal usage with perfect payment history. Now as of last week, the end of 2019, they have taken my XXXX limit and reduced it to XXXX. Hurting my credit score in the process. Lowering my available credit and increasing my credit usage. I called for a reason and they said it wasn't a mistake and that " some '' people had been labeled risky. I asked why i was risky due to my history with them. They said my personal history had nothing to do with the decision. That my credit score did. Mind you, i had been trying to buy a house and my mortgage company had pulled my credit a couple times. They said this is likely the reason but could not be sure due to privacy. 

TL/DR : Have a perfect payment record and use the card every month at 5th/3rd and they will reward you with a lower limit. My recommendation is to stay away from them as they treat their customers like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 l made contact with Oportun to make a affordable payments arrangements on my loan. 
I explained Oportun rep over the phone that l have a XXXX XXXX XXXX and requesting a payment of {$70.00} @ month affordable payments until loan is paid in full. 
The interest rate on loan is over 24 %. 
I am respectfully XXXX Lifetime, and Retired and a US XXXX XXXX XXXX. 

Oportun stated that l was going to be place on collection and reporting derogatory remarks on my XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX credit reports. 

Oportun wants to put me in collection of {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Please do not close this complaint as it regards to a different account ( owned by different names ). 

__________________________________________________________________ I opened the HSBC business checking account in the downtown XXXX office XXXX XXXX XXXX, New York, NY XXXX on XX/XX/2019. The banker who helped me opened the account is XXXX XXXX. The account was not immediately approved and I had to go to the branch to make a deposit after it was approved. XXXX was not in the branch on that day and another banker who helped me made the deposit did not process my online banking request correctly and when XXXX came back from vacation, she had to request it again. This had resulted a delay from me getting access to the online banking account. 

I opened this account because of the promotion that was given at that time which would give {$300.00} after some requirements were met.I have been contacting XXXX regarding the promotion for more than a month. She had escalate the case to the right department and as of today, I still have not got it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I paid my loan off for opportunity financial opp loans for credit deletion. I explained in great detail I was needing this information updated to my credit file because i getting ready to close on a home. I was told the information would be updated on the XX/XX/XXXX electronically. I have spoken with the credit reporting agencies and it shows XX/XX/XXXX last update. I called and emailed opp loans back and the are refusing to update my account with the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I am unaware of when this loan was taken out. I was contacted by XXXX about an outstanding balance from The Cash Store. I ipted to make payment arrangements rather than fight the balance. I subsequently was diagnosed with XXXX and had emergency XXXX to remove my XXXX and XXXX. I have been receiving XXXX and have been unable to work during treatment. I was able to make my payments until I ran out of money XXXX weeks ago. I have received threatening phone calls from XXXX XXXX at XXXX ext XXXX. She told me I needed to pay my bills if I had XXXX or bit and that she would send this to local law enforcement. I told her to send me any and all correspondence via mail. She has then proceeded to reach out to others via XXXX profiles and harasss them saying she needs to find me. Yet I have given her my address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: EdFinancial Services
State: MO

Complaint narrative:
Within the first 120 days of the loan I made XXXX payments and directed them to be applied to principal only. They have not been applied to principal and I have been accruing interest on the original principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
I was two months behind on my Mortgage with Carrington. I made the two payments on XX/XX/XXXX. They had recently completed escrow analysis effective for XX/XX/XXXX. 
I wanted to make sure the escrow analysis included the two escrow payments which included in my mortgage that was made on XX/XX/XXXX. Also want to see what my LTV ( Loan to Value ) and see if could delete the PMI. My calculations I am around .73. I  should have my PMI deleted when I was at 78 per cent. The previous service was with XXXX XXXX XXXX and to avoiding doing a modification they transferred my loan to Carrington Mortagage I called Carrington Mortgage XX/XX/XXXX around XXXX central time. I asked for a new escrow analysis. The representative could not confirm there was any changes in my escrow because of the two mortgage payments. I explain to her that if those two escrow payments was not included that would eliminate my shortage by me making the two mortgage payments. She told they will not do new escrow only if taxes, insurance or if shortage is paid. Then ask for what my LTV is.  She did know what LTV was so I explain to it to her. She told me she did know where that information is. Then talk to Senior Representative and was told the same thing. I started discussing about my PMI to the Senior representative she keep referring my mortgage as a FHA. I did point out that FHA has MIP and not PMI. I also advised my loan was either XXXX or XXXX XXXX. I felt like new more about my loan than Carrington did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to temporarily lift a security freeze on my credit reports. XXXX and XXXX   allowed me to do it online and it took just a few minutes. Equifax, in contrast, has erected barriers to make it as much trouble as possible. I have an online account with them, and when I attempted to log in to lift the freeze, it said they were " unable to process my request, '' and said to call them. I called the number indicated, and that, too was unscussessful, even though I correctly answered all of their questions. They now want me to mail or fax the request. This appears to be a deliberate attempt to flout their responsibilities to allow consumers to easily place and remove a security freeze. I ask that you impose financial sanctions on Equifax. They are already notorious for their serious data breach that exposed the personal information of millions of Americans to hackers. They only thing that will get their attention is a serious financial penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. Portfolio Recovery Associates maintains that they purchased one of these debts from XXXX XXXX, back in XXXX. I state for the record that I know Portfolio Recovery Associates has told me directly that all references to the posted collection will be removed within XXXXdays from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from  XXXX in XXXX XXXX Utah XXXXMe my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.MXXXX wife quit XXXX i quit XXXX turn in uniforms ect.XXXX  XXXX  of utah refused to pay us any XXXX because we dont work for XXXXThat is Stupid law to keep working for same Company you get hurt at.Walmart employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX XXXX each one would Not XXXX XXXX Clean so we can get to our property.Sometimes we had to stay in Motel for XXXX due to rainy days muddy.Now we tempory live here in arizona we are broke no money now to get back home.XXXX XXXX we ask them for over XXXX we was in SC and Utah for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXp XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. 
I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.

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 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. XXXX XXXX XXXX maintains that they purchased one of these debts from Citibank N.A., back in XXXX. I state for the record that I know XXXX XXXX XXXX has told me directly that all references to the posted collection will be removed within XXXX-days from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. 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 explanation
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One of the Bank of America 's Mortgage Loan officer offered to refinance my mortgage loan that I had with XXXX XXXX at better rate of interest for 7/1 ARM around XX/XX/2019. She told that I need to pay the fees that cover the credit report fee and appraiser fee and will be completely refunded. Since this is my first Refinance of my first Mortgage loan, I am not completely aware of the process and asked her before paying the amount, whether the amount I pay for the credit report fee and appraiser fee will be completely refunded for what ever reason or not? And she said " Yes '' and I can completely trust her and told me to sign the document online and not to worry  about it as it is a general formality to start the loan application. On her assurance, I signed the document. 

So, I payed the amount using my BoA creditcard. The loan was approved but the appraiser appraised the value of the home very low by using the improper homes in that area, some of them were fixer upper, homes that didn't get sold for months and home from non preferred locations. Because of this the Bank of America didn't Refinance my loan and now the Mortgage Loan officer say that she can not refund the fees I paid, which she promised to refund for sure. 

Few weeks later, I got the same Mortgage loan Refinanced by XXXX XXXX. 

BoA has wasted my time and money and gave lot of trauma to me for not refinancing the loan by giving false promise by its Loan officer. 

Please help me get my money 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 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In regards to complaint number XXXX, the company has yet to respond satisfactorily or resolved anything. They have not yet allowed us to make a principal only payment and is unresponsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-03 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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