vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I received a loan of {$1100.00} from XXXX XXXX also known as XXXX  XXXX in XX/XX/2018. I made a payment in XX/XX/2018. Once that payment was made I realized the portion of it that went towards the principal was barely non existent and most of the payments would be towards the interest. After further reviewing the contract I realized this loan was unlawful due to the interest rate being charged. They are violating usury laws in the state of SC as far as the interest rate being charged to customers. The legal rate of interest max is 8.75 %. There are usury penalty laws that apply to XXXX XXXX in regards to this loan and I'm sure many others. I am not trying to get out of paying back the amount borrowed but will not and am not going to be liable for paying the unlawful amount of interest they charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
In early XXXX around the XXXX or the XXXX my brother recieved a call from Portfolio Recovery asking if the could speak to me. He stated he was my brother and that he could give me a message. So since he knew my name, the repersentative preceeded to tell him I owed for 2 outstanding account within their office and gave him the amounts {$640.00} and {$440.00} and who the original creditor was XXXX XXXX XXXX and told him that he better tell me to call them. I called them when I got off from work and was basically told that since he knew me that they could tell him everything. She even told me that they can continually call him until I pay off the debt owed. They have since called him 2 more times. With him telling them to stop calling his phone. I have sent them letters asking them to correspond with me by mail only but the seem to ignore those requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX, FL. XXXX Dear Ms. XXXX XXXX, Re :  Account Number XXXX First, I want to thank you for your services and kind support to both myself and my wife, XXXX in regards to our dispute relating to the above account. 

As per our conversation on XX/XX/XXXX, please find the attached documents in support of our dispute. It is clear that we made a payment online XX/XX/XXXX for said month ( see attached ), but the portal system scheduled the payment for XX/XX/XXXX. We have no control over when they get the money from our bank ; in this case they got the money XX/XX/XXXX. 

Even though the payments are due the XXXX of each month, XXXX XXXX allows us to make payments up to the XXXX of each month without penalty ; that is 10 days after the due date ( see attached example ). In this case the month of XX/XX/XXXX, XXXX XXXX got the payment 9 days after the due date, of which is XX/XX/XXXX We have in the past, made payments on the XXXX of some months and was not penalized. ( see coloberated bank statements attached ). This time their credit dispute department report our payment as delinquent to TransUnion, just 7 days after they received the payment, and as a result our credit score has been seriously damaged ( see attached ). Since then, we reached out to them verbally and in writing aimed at a fair resolution but they adamantly assured us they will not make any changes to their reports to the credit bureaus. 

I am now preparing a complaint to report to the Consumer Financial Protection Bureau and the XXXX, and the credit bureaus, but will not file it before the next seven days, in case your intervention makes a difference ( hopefully ). 
Thanks once again for your time, goodwill and effort in this matter. We do appreciate you, regardless of the outcome knowing you can only do so much in cases of this nature. 

Yours truly, XXXX XXXX Email Disclaimer This E-mail contains confidential information belonging to the sender, which may be legally privileged information. This information is intended only for the use of the individual or entity addressed above. If you are not the intended recipient, or an employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any disclosure, copying, distribution, or the taking of any action in reliance on the contents of the E-mail or attached files is strictly prohibited.

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 2019-03-21 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: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I have an account with Accounts Receivable Consultants, Inc.  that was paid in full in XX/XX/XXXX. The account shows a XXXX  balance, but the status of the account is reporting as " open. '' I've spoken with an account representative ( the same account representative ) on 3 different occasions in regards to the account status. She confirms that the balance was satisfied, but she is not understanding my request to update the status to " closed '' if possible. I continue to reiterate that I'm not requesting to have account removed from my credit, as she thinks. Our last conversation on XX/XX/XXXX, she again told me that what I was asking for was not possible and released the line as I was explaining that the account still shows as open. It's clear that this company is not attempting to listen ans or assist in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Concerning dark web data breach and incorrect scoring on my fico

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 2019-03-21 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: NJ

Complaint narrative:
XX/XX/XXXX Dear CFPB, I have written to Transunion credit bureau on several occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing the fact that the accounts below are not my account ( s ) and or /incorrect. I have requested that Trans union investigate these account and delete them from my credit report, there response was VERIFIED AS ACCURATE AND UPDATED and contact the creditor. So I contacted the creditors listed below and asked them to validate the debt and all three creditor ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX ) failed to validate the debt. Next I sent Transunion a 2nd request  letter asking them how did thy verify the accounts and to send me the proof used to verify the debt was main sense the creditors could not or would not send me proof that the accounts was main. Once again Transunion continues to responded was the accounts was verified and accurate ( even when I sent them documentation that XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX FAILED TO VALIDATE THE DEBT ) see uploaded attached file. The 3rd letter was sent on XX/XX/XXXX pointing out to them that all three creditors fail to validate the debt and demanded that they remove / delete these account from my credit report. Let this be a formal complaint against Transunion, the following accounts are items that Transunion has refused to investigate/validate and correct/delete from my credit report : account 1.  XXXX XXXX XXXX Account 2. XXXX XXXX Account 3. XXXX XXXX XXXX  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 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: VA

Complaint narrative:
I pulled my credit report on XXXX XXXX. And found a student loan to Great Lakes. The student loan was in Georgia I have never been to Georgia and no one I know goes to school there. The rep at Great lakes gave me address of person XXXX XXXX XXXX XXXX, ga XXXX and email 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 2019-03-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom this concerns, JPMorgan Chase has not resolved a continuing issue that has been occurring since 2014, and actually caused issues where I was hired there and they ultimately declined me due to their " Security Scan '' Because of these checking and savings accounts that were opened ONLINE, as a result of identity theft. Here is the information I can provide to Chase Bank. Here 's what I know about these accounts. These accounts were opened fraudulently, there were two savings and two checking accounts opened all of which online and were fraudulent. Lastly there was credit card payments to the fraudulent credit cards from the fraudulent checking account. I did not make these credit card payments and I do not approve these payments. The checking account that was opened from identity theft, someone used to pay the payments to the credit cards that are also fraudulent as a result of identity theft. I did not authorize these checking account ( s ) nor Savings accounts opened online to be approved. These were opened fraudulently. I have never logged into chase bank because I don't have a username. In addition, I have not applied for any auto loans with your bank. These are fraudulent applications, which I have not approved nor accepted. Again these were submitted online and should be withdrawn. I want these Bank accounts and the username associated with the fraud to be closed out due to fraud. I do not have access to these bank accounts nor any access to the fraudulent credit cards that the bank chose to let the fraudulent checking account pay. These accounts were opened from Identity theft. Using an address I never have lived at XXXX XXXX XXXX, XXXX TX XXXX. At that time my Email addresses were hacked and My social security card and driver license were used. The Crook stole my wallet, and contained my email addresses. The thief also hacked the emails on file. I had to work with XXXX to get these reset. In addition, The thief opened other accounts not related to chase such as XXXX XXXX XXXX, and XXXX  XXXX at the same time as well. So it's not just chase this Identity thief opened several accounts all of which were fraudulent. All of these banks have taken care of the Identity theft BESIDES chase bank. I want to know what we can do to resolve this. I did not make any credit card payments to any fraudulent accounts. As stated the email addresses were hacked. I didn't submit any complaints to chase before these were done when the thief stole my email address as well. Please review and comply with my identity theft claim that these checking and savings accounts as well as the auto loan applications were fraudulent. In which I did not authorize and I did not authorize any credit card payments either to the fraudulent credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I signed up for a membership with www.experian.com to check my credit scores. I canceled the services XXXX months ago. As of today XX/XX/2019 this company has continued to charge my credit card {$30.00} per month.

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
Suntrust Mortgage Company has accessed my account twice between my regularly scheduled billing cycles and has withdrawn an additional monthly payment from my personal checking account. I have a direct payment sent to Suntrust at the beginning of each month, however, they have been collecting an additional payment for {$2000.00} on the fifteenth of each month in addition to my regular payment. After a number of calls last month, they did return this amount to my checking account. Apparently though, they didnt correct the problem and withdrew the same amount this month. I have attempted to call them and have not been offered any easy solution to have them refund this payment. Needless to say, this is causing a hardship on me and my family.

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 2019-03-21 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. As a result, I disputed this identity fraud with this company on XXXX, and even filed with the CFPB on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the  Fair Credit Reporting Act to proof my case. 

But until now, this company says the account is not showing but it is with just a few variations now. as I am writing to you, this company is still reporting this fraudulent account contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need to be removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened - XX/XX/XXXX I am attaching the dispute letter/documents I sent, Equifax response and my small claims forms, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Red Cedar Services, Inc
State: MD

Complaint narrative:
I originally Borrowed {$1100.00} from XXXX XXXX XXXX since then I've made at least 5 payments With Only {$50.00} going towards Original debt I've been paying approximately {$300.00} every 2 weeks and still have an original debt of over {$900.00} I receive calls every week concerning my payment being made on time I have been paying it on time but the bill seems like it will take for ever to pay Off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
In XXXX my house burned down and my insurance company release a check to myself and Carrington Mortgage for {$100000.00}. Since then I have had to put over {$90000.00} of my own money into the home as Carrington will not release the funds needed to complete the reconstruction. To this date they have release only {$35000.00} while we have sent them information from myself and my contractor showing where we have spent the additional amount. They keep saying it is not more than 25 % done although it is around 80 % done. 

I am recently widowed and I believe they are trying to prey on me to keep this money and make me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
I gave XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  approval to run my credit 1 ( one ) time. They ran it 4 times within a month, including 2 ( twice ) in a single day. None of these were authorized by me. Only the first one, not the following 3 times. This dropped my credit score drastically.

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 2019-03-21 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: CA

Complaint narrative:
To From It May Concern, My name is XXXX XXXX. My Citibank credit card number is XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have purchased roofing materials from XXXX XXXX store on XX/XX/2018 for the total of {$4900.00}. After three days they have contacted me and informed that they no longer carry that product and they need to refund my money back to my credit card and issue me a refund receipt. I checked my credit card balance on XX/XX/2018 and there was no credit from this store so I have opened a dispute with my credit card company. 

Citibank dispute department asked for available paperwork for that refund and I have email receipts that I got from this merchant. 
I have called several times to customer service and been informed that I will not be able to talk directly to dispute department but they see my paperwork and in my next billing statement I will see that credit and I dont have to worry about anything. 

Please check all the recording and see how many times I have called if you need so. 
Yesterday I got a letter from your department that they are closing the case because the time frame in which to resolve a dispute has passed. 

I have been contacted Citibank every single week and every time I have been told to wait and been patient. Now you dispute department tells me that that time has passed and I am responsible for that balance. 

Do I have to pay for something that I have never received? 
Please see attached copy of the refund receipt from XXXX XXXX and copy of the letter that I have received yesterday. 

Please let me know how you can fix this issue. 

Thank you, Sincerely, 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 2019-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On my XXXX, XXXX, and XXXX credit files, an old account from Capital Bank, NA is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and Capital Bank, NA. The 3 bureaus all claim that Capital Bank verified the accuracy of the information, yet Capital Bank has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to Capital Bank was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2019 I received an email from Navient stating that my account was past due by {$750.00}. I called XX/XX/2019 and the Customer Service Agent informed me that when I paid a payment in the amount of {$150.00} on  XX/XX/2019 to have my private loans placed in a three month forbearance, the agent during that call did not read all of the proper terms of agreement to place my loans in forbearance. During my XX/XX/2019 phone call, the agent proceeded to read the correct terms of agreements for forbearance to me and stated they would use a XX/XX/2019 payment to cover my forbearance payment to placed until payments resume in XXXX. She asked if I was okay with these terms, I stated no because I had my bank statement to prove that I made a payment XX/XX/2019. She then stated there was not a payment for that date and they could not find it. I later called back to speak to another agent, that is when I was informed that my {$150.00} payment on XX/XX/2019 was applied for XX/XX/2019 without my permission. As this should of been applied to XXXX 's payment. I had previously paid a {$150.00} XX/XX/2019 to place my private loans in a three month forbearance that would of covered XXXX, there would have been no need to apply the XXXX payment to the XXXX payment.

Company response to consumer: Closed with explanation