vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
A title loan- which is unlawful- no matter the legal workarounds- was in fact offered to me in AZ. AZ atty gen has made zero progress on this- thru speedy cash. They gave me XXXX from day one between using my prepaid bank account- they have harassed and threatened me by mail when paying the bill. This harassment is unlawful. Then XXXX  recalled me to XXXX XXXX. I am already in the irr pool by nature of my dispute for retiree reestablishment of benefits with the XXXX XXXX. EO were in fact issued for persons of my type. Speedy cash refuses to acknowledge that SCRA remains in effect- companies like this REFUSE to lend due to the scra- therefore I demand my loan be cancelled. The lender refuses- extorting my inoperable vehicle title. I demand the title- so I can sell the car and am reporting it stolen- have done so to XXXX   police dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Problem with personal statement of dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Lobel Finianical and ask them to help me with my payments for XXXX and XXXX due to this pandemic. I was told they were working with clients and that i could pay {$270.00} ( monthly payment of {$360.00} ) and i would be good. I did the same for XXXX and XXXX then i was told i was repossession status and force to pay {$1500.00} to remove the account from repossession. This was wrong on all counts. 

Why would they tell me they can help me and take my payment of {$270.00} then turn around and put me in repo status. If they arent going to do what the say and this is clearly their fault why i should be punish for their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
APPLE/Goldman Sachs is not sending billing statements except through the mobile wallet. 

If you close the card and remove it from the wallet, you can not get a bill. 

They did not notify me that i was late for over 30+ days. 

They can not find PDF statements from XXXX or XX/XX/2020, only XXXX and XXXX based on phone calls on XX/XX/2020 and XX/XX/2020. 

This is affecting my credit report. 

This is causing me to get fees and finance charges unbeknownst to me. 

None of this is disclosed up front. 

I closed the account months ago and paid the outstanding balance so I thought I was done. I closed the account because they would not waive a 1st time late fee for one day late because I didn't hit the final payment button on my phone the prior day. 

They can't tell me what day i closed the account. they do not keep good records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I really don't have dates or individuals involved but I submitted several contact forms in order to figure out why my credit report can not be pulled.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/2020, I was charged a {$2.00} transfer fee for transferring the balance to my regular checking account. I had never been charged this fee before and the terms of use do not show this as a fee. It has always been free to transfer funds. 

I called customer service and waited over an hour on hold. The customer representative said she'd request a refund of the fee. I never received it. 

I feel this company fraudulently charges this fee and refuses to provide a refund. They also make it more difficult to access funds by charging fees and withholding transfers for several business days. There is not an expedited way to access funds without a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, Midland Funding, LLC. filed suit against me in the XXXX XXXX XXXX for the XXXX XXXX XXXX for an alleged {$4600.00} debt. I hired an attorney and we filed a Peremptory Exception of No Right of Action. In court the Plaintiff failed to produce documents between the defendant and original creditor and a complete chain of title of the account beginning with the original creditor. On XX/XX/XXXX the court issued a Judgement on behalf of the defendant and against the plaintiff with prejudice. 

On XX/XX/XXXX, I filed a dispute with all three credit reporting agencies and provided copies of the Final Judgement as well as other court documents. Around 30 days later I received responses from all three credit reporting agencies stating that Midland Funding LLC, had verified the reporting of the debt. 

I don't understand how Midland Funding LLC can sue me in court, loose and still verify a debt that the court has ruled does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
PayPal notified me on XX/XX/XXXX that my account had been " permanently limited '' and that I could no longer use it. I called PayPal on the XXXX, and they explained that I had violated their acceptable use policy ( AUP ) and canceled my account. They could not tell me what part of the AUP I had violated and that there was no appeals process. I called backed on the XXXX of XXXX to plead my case, and no pleading was available, that I could not have my account reinstated. 

In addition, my balance of {$500.00} would be stuck in PayPal 's hands for 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Keep going to court. No one is helping. Covid has me unemployed and I want to keep my home. I would like to apply for the covid forbearance to allow me the time to fix to this. I have XXXX children and Im XXXX. I don't want to be homeless.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday the XXXX of XXXX I went use my ATM card and was unable to do so. I checked my Citibank app is said I had XXXX in account but XXXX available. I called bank and they said I had a hold on my account, and that it was under investigation and they would need me to fax some verification docs about my XXXX and that the investigation would take 24Hrs. I faxed articles of incorporation show when I started business. I called back the fallowing day to find out when founds would be released, and I was told 24 to 48 hrs. they where still investigating. Now its Monday and still nothing and they said I can't talk with the people that are doing the investigation and there's know time limit on when it would be done. Now I have no founds I have over XXXX in pending payment including my rent I'm very worried.

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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
the exact same, everyday i power off my device, and this # XXXX is the first number to call with out fail, even though i have this number blocked through other means it still calls, and from that point throughout the day it calls. this has become an issue that is now disturbing my peace, and i would like it to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Portfolio Recovery Associates have failed to provide requested validation. 
The amount of debt claimed is {$620.00} for a factoring company according to their credit bureau information. 

This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: MD

Complaint narrative:
The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.

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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.

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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Complainant submitted payment to Merchant ( Barclays ) on XX/XX/2020 - several days prior to the due date of XX/XX/XXXX. Merchant failed to post payment until XX/XX/2020, thus putting Complainant into " late payment '' status. 

Merchant failed to issue account statement for period of XX/XX/2020. Complainant recognized on XX/XX/XXXX - seven days AFTER payment was due - that Merchant had failed to provide statement. 

Merchant 's failure to timely post Complainant 's payment in XXXX caused Merchant to retroactively charge promotional interest deferral to Complainant. Complainant immediately called Merchant on XX/XX/XXXX to initiate correction. 

Merchant refused to remove interest, and also notified Complainant that Merchant " has reported the account delinquent to the credit reporting agencies. '' At no time prior to Complainant 's initiation of contact with Merchant on XX/XX/XXXX did Merchant attempt to contact Complainant for any reason. Merchant did NOT issue account statement to Complainant. Merchant did NOT attempt to contact Complainant to inform its intention to report Complainant account as past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 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: NC

Complaint narrative:
XX/XX/XXXX I have been in deferment with Department of Education they have two accounts with balancing showing {$4400.00} and {$1200.00} showing past due when I had deferments on them both. One of my credit report show that I was only late one time with TransUnion for the {$4400.00} and the second on for {$1200.00}. XXXX and XXXX has me showing 6 late payments with this company. I have been in deferment and spoke to them about the hardship due to the pandemic and they stated that I wouldn't be affected 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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I have been in deferment with Department of Education they have two accounts with balancing showing {$4400.00} and {$1200.00} showing past due when I had deferments on them both. One of my credit report show that I was only late one time with XXXX for the {$4400.00} and the second on for {$1200.00}. XXXX and Experian has me showing 6 late payments with this company. I have been in deferment and spoke to them about the hardship due to the pandemic and they stated that I wouldn't be affected 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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
the exact same, everyday i power off my device, and this # XXXX is the first number to call with out fail, even though i have this number blocked through other means it still calls, and from that point throughout the day it calls. this has become an issue that is now disturbing my peace, and i would like it to stop

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I received a call from Amerisave Mortgage after requesting rates from XXXX XXXX. XXXX XXXX eventually disclosed I would have to pay an upfront non refundable {$500.00} application fee. When I questioned him, he said it was an appraisal fee. I told him verbally and via text on XX/XX/2020 I did not want to proceed with the loan. To date, I have received a copy of a credit report I did not authorize him to run and numerous request for documents. I respond to his emails asking him to stop processing a lone for me. I also follow up with a phone call and leave a message. Today I received a call from my employer informing me Amerisave is trying to confirm my employment. Please help.

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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred ) interest program. XXXX XXXX  ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. XXXX XXXX ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. XXXX XXXX  ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by XXXX XXXX  ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program. 

Furthering the fraudulent and negligent business collection practices, XXXX XXXX  ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. Crown Asset Management failed to send a validation letter after I requested one vie telephone. Crown Asset Management failed to properly serve me with paperwork regarding the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Theses names are the known liars that I have spoken with at Bank of America ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( home retention ). I was told that my permanent paperwork was going to be mailed on XX/XX/XXXX then delayed until XX/XX/XXXX ... Both dates have come & gone and no paperwork. 

Bank of America is XXXX XXXX me without the grease!

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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred XXXX interest program. Commenity Bank ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. Commenity Bank ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. Commenity Bank ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by Commenity Bank ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program.

Furthering the fraudulent and negligent business collection practices, Commenity Bank ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. XXXX XXXX XXXX failed to send a validation letter after I requested one vie telephone. XXXX XXXX XXXX failed to properly serve me with paperwork regarding the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. 
I used XXXX at XXXX to transfer money and I closed the account because I had to go back to XXXX. 
The date was XX/XX/2020. 
I supposed to receive money by today but I did not still get it. 

Before I close account, I asked banker whether it is ok or not and he told me that it is ok because it did not show any error. 
But actually I think there is an error. 

And may be I found what the error is. 

I told the recipient account number is " XXXX ''. 
But I think may be I needed to put " XXXX '' which is branch code before the number. 

about this error, I called XXXX first. 
And he told me to call to XXXX, and it told me that they can do nothing. 

Why do you do rotation????? 
I am so frustrating. 

I do not need the phone number any more, but please give me the solution. 
I want you to send me money as soon as possible.

Company response to consumer: Closed with explanation