vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
I received a {$950.00} loan about XX/XX/19. I made one payment of {$260.00}, then I found I am being forced into retirement due to needing XXXXXXXX  XXXX XXXX. I was then going through all debts owed and found the interest rate of 742 %. I know they are illegal in the State of Minnesota. I contacted them and informed them I was willing to pay the principal balance of {$680.00} over 2-3 months on the day I receive my social security payments. I also told them they were illegal in Minnesota. The reply was they are a tribal lender and their rules apply, not the laws of the state I live in. I do plan on paying the principal balance but can not afford their ridiculous interest rate. They have ignored my requests since, threatened with a 3rd party collector, etc.

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 2019-07-04 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: Credit Lending Services Inc.
State: WA

Complaint narrative:
Loan was open in mid 2018. We lived in XXXX. I moved to the state of XXXX. I have been trying to get them to fax over a copy of title to the vehicle licensing of XXXX. My registration expired months ago. We have requested for them to do so. stating that a title from XXXX can not be changed to XXXX. I do not live in XXXX and I need my car title to register my car now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Spoke to the with payment arrangement XX/XX/XXXX at XXXX XXXX. The calls have been nonstop since that day using various numbers from different states. Today I had 4 by XXXX. I told them that payment arrangement was already made and they had no right to call me nonstop. I have them logged in my cell but it's alot of calls and can't write them all on here due to disability. I probably have 20+ calls from them since the XXXX. I tod them I will sue them for harrassment. I'm fed up. The bill is around {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.

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 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
On XX/XX/2019, I started an online application with AmeriSave Mortage Corporation for mortgage refinancing with Mr. XXXX XXXX, Loan Originator NMLS ID # XXXX, AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX. Mr. XXXX informed me AmeriSave had the lowest rates in the market then shortly sent me a Loan Estimate. He also said I should start my AmeriSave account first which I began signing documents which he rushed me to do before I could even look at them. He also said in order to lock in the rate he would need a credit card payment. I provided the number for the payment. I told him that I wanted to read all my documents first before doing anything final. I received what he stated was a generic application and not to worry just continue signing the docs on the yellow tabs. After completing the signing, I sent a few documents but never got to the appraiser process before canceling my application the next day by email due to a circumstance. I did not know there was a nonrefundable application fee because he never gave me a chance to read any documents beforehand only rushed me to sign them. In addition, Mr. XXXX also sent me some new disclosure forms to sign I took a look at them and found a numerical error in the figures. This was confirmation to cancel my application further. Please see the email conversation requesting a cancelation and why. I also explained to him he did not have the right to a full payment there was no other cost incurred. He was getting too personal with the situation. 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 2019-07-04 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: EQUIFAX, INC.
State: NH

Complaint narrative:
An inquiry appeared on my Equifax report on XX/XX/2018. The inquiry was from XXXX XXXX. I did not apply for anything from XXXX. I called XXXX XXXX on XX/XX/2018 at which time they said the inquiry never happened. I filed a dispute with Equifax which was denied. I again called XXXX XXXX. This time they stated the on XX/XX/XXXX the inquiry was flagged as fraudulent. XXXX said they would notify Equifax to have this item removed. I again filed a dispute with Equifax which was again denied. I have trouble believing Equifax actually did any investigation. XXXX confirms that they did indeed contact Equifax about the fraud. I did not give Equifax permission to compile and store my personal information in the first place. I would at least expect them to not to be careless with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.

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 2019-07-04 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:
On XX/XX/19, I went to purchase {$400.00} itune gift cards at XXXX. I used Citibank credit card first, but XXXX said it did not go thru, so I then paid it in cash. But the charge still appears in my account. I then dispute the charge with Citibank and went several times to XXXX  and Citibank to resolve the issue. XXXX showed me their sale list and told me there was no charge against my credit card and gave me a copy of it which I sent to Citibank. After that Citibank still insists on the charge. I was caught between them, one said no charge, the other said a charge exists. So I have to pay twice on the same item? I have tried to resolve it with them 4-5 times but to no avail. There must be a computer system problem on both or either company and also their business practice!

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 2019-07-04 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: MA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reported two new accounts on my credit visible on my transunion credit report based on collections from original creditor of XXXX XXXX  XXXX. I have not had any services or contact with XXXX XXXX XXXX since XXXX. This account is not new nor is it newly delinquent. This is XXXX reporting from the company for both amounts of {$3300.00} and {$1100.00}. Additionally it does no comply with reporting standards, six year statue for Massachusetts nor the 7 year reporting status for credit. I have worked hard to resolve my credit history and to make progress and for a company to behave in a such an unethical way by posting a delinquent account over eight years later as new is despicable.

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 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
For over two months, I have not been able to access my bill pay account through my online bank, Capital One. I only have full access to my bill pay through my desktop browser, not my mobile which gives limited access. It is the desktop that is not working, but has the full access. Each time I have tried to access my bill pay through my desktop, I receive the same messages " Oops, we've hit a snag! Looks like we ran into a snag displaying this account, but we're working on it. Please try again in a bit. '' and " Oops, we've hit a snag. 
We ran into a snag trying to retrieve your account details, but we're working on it. Try again in a bit, or give us a call at XXXX. '' This has consistently been the messages I receive when I try to enter my bill pay. I have called customer service on a number of occasions and have been told that they are aware of the problem and are escalating it. I have been into the internet cafe for assistance. I have sent emails. All to no avail. Since this is an online only account, I do not expect to wait this long to have a resolution to this electronic problem. I am now highly suspicious that the bank is discriminating against me for some reason and is trying to shut down my account by inconveniencing me. When I have spoken with customer service, they direct me to the mobile site, even though it offers different and inferior access. It does not allow me to enter recurring payments or to get details of merchants that are listed for payment. For instance, I can not see account numbers to make sure I am paying the right amount to the right merchant when I have more than one account with a particular company. In fact, I tried to pay some insurance bills today, but because the mobile site doesn't tell me which of two accounts I am paying, and each needs different amounts, I can not tell what I am doing at all. Since I have waited over two months trying to deal with this bill pay problem and with no effort from Capital One to reach me to resolve this matter, I am convinced they have no intention of doing so. 

As someone who has been a customer for over 12 years, without prior problems, I would like to know why Capital One is making it so difficult for me to use my account so that I am forced to shut it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize

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 2019-07-04 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: AES/PHEAA
State: OK

Complaint narrative:
I enrolled in school ... ..and I applied for federal and Pell grants ... ..I did apply for any loans and now I'm stuck with this on my credit ... ... .they have already passed loan forgiveness ... ... please help????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I enrolled in school ... ..and I applied for federal and Pell grants ... ..I did apply for any loans and now I'm stuck with this on my credit ... ... .they have already passed loan forgiveness ... ... please help????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last two years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last two years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last XXXX years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.

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 2019-07-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Last month around XX/XX/2019, I had filed a report for fraudalent charges against my Citi Visa Card. After resolution of these charges, they credited my account and then dropped my credit limit by {$2000.00}. I called them and protested. I asked why I was being punished for filing a fraud claim and your company immediately dropped my available credit limit. They said they didn't have an answer. 

I have been an excellent customer and Always paid my card on time. I am now being punished for no reason. They are trying to blame the credit reporting bureaus now which is nonsense. 

I could only see this happening if I didn't pay above and beyond on my card payments and pay well in advance. But I did. I did Not deserve this kind of treatment. I told them I would not shop at Costco anymore because of what they did. They did not care. 

My account number is XXXX 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 explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial Systems attempted to collect a previous medical bill debt that was already paid years ago. They also offered to discount the offer at 50 % off of the current balance in one payment. 

This was sent on XX/XX/XXXX on behalf of the original creditor, XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA. They told me to take advantage of the special offer through my Recovery Representative. 

This debt was paid in XXXX and is a fraudulent attempt at collecting money no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, Inc. received my mortgage check # XXXX in the amount of {$2400.00} for the XXXX mortgage payment. Instead of depositing my check, Select Portfolio Servicing , Inc. made an ACH withdrawal from my checking account on XX/XX/2019. I never authorized Select Portfolio Servicing, Inc. to make an ACH withdrawal from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation