vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
I had a personal loan with this company. When I applied for the loan, I opted to purchase the XXXX insurance. In XXXX, I was out on medical leave and made a claim with the XXXX insurance. I submitted the required paperwork from my doctor so that the XXXX insurance company could make the monthly payments until I was discharged from my physician and returned to work. Every few months, I was required to submit an updated physician 's statement in order to keep the claim open and so that the payments would be made to the loan company, which I did. In XX/XX/XXXX, apparently the XXXX  insurance company submitted the monthly payment to the loan company late. The loan company has reported to the credit bureaus a 30-day late payment. When this appeared on my credit reports, I called the loan company and the manager, XXXX, informed me that he would have this removed since the payments were being made by the insurance company and it is beyond my control. XXXX was successful in having this removed from my XXXX  report ; however, it was not removed from my XXXX and XXXX credit reports. I contacted the loan company again and was told that XXXX was no longer employed with the company. I explained the situation to XXXX and she stated that there was nothing they could do and that I should submit a dispute to the credit bureaus in order to have the late payment removed. I have disputed this item multiple times and it is still on my credit reports.

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 2017-06-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX  SPLIT MY CREDIT REPORT INTO  XXXX  RESPECTIVELY!  <P/> TO KEEP THE  XXXX  FILES COMBINNED THEY SUSPEND  XXXX  ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED )  1 ) .CO NFIRMATION NO. XXXX  DATED  XX/XX/2016 - STATUS PENDING 2  ) .CONFIRMATION  NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT  XXXX  IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.

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 2017-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial
State: NM

Complaint narrative:
I took a payday loan out and have been unable to pay it back, received several harassing phone calls. Received phone call just now  XXXX   XXXX   2017  and they told me they were suing me for wire fraud and were coming to serve me at my place of employment. I called the phone number  XXXX  for the offices of  XXXX   XXXX  and  XXXX  and spoke to a gentleman who stated they had an affidavit from my bank that I had falsely obtained funds via bank wire. He asked me when they could serve me the paperwork and I said I would be off at  XXXX . He then asked me if I wanted to resolve this debt on the phone right now and I told him I wanted to see the paperwork first. He then told me they were coming to arrest me right now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: CA

Complaint narrative:
Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  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 2017-06-09 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: CA

Complaint narrative:
Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax several times because I am unable to access my credit file. I called them for the last time on today  XXXX / XXXX / 2017  and spoke with a rude lady by the name of  XXXX   XXXX . I was calling to inform her that I needed to dispute three things on my credit report and she told me I could n't dispute them. Also, I asked her why I could n't access my credit file online like everyone else and she stated because I was a victim of identity thief. I understand that now but that matter has been cleared up for ove r 3-4  years now. I would like to access my credit file just like everyone else and she told me I would be able to access my file at all and this would be indefinite. Before hanging up I asked if I could speak with her  manager  or supervisor and she stated no. I want this lady removed from Equifax and I do n't want Equifax department of consumer affairs handling my credit file I want my file treated and maintained like a normal consumer. Please have Equifax release my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I was a  XXXX  customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed  XXXX  that I was stopping service. After trying to change providers, I was informed that the phone was locked by  XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with  XXXX  and since I was not under contract, I did not feel that I owed them anything. I never heard from any  one  else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a  XXXX  employee and have  XXXX   XXXX  through the government. They sent me a notice that I had a bad report on   XXXX  . I called  XXXX  and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: CT

Complaint narrative:
I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased  my  XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 lat e on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 ho ur while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed t he Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.

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 2017-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX 2017, my checking account was electronically debited for {$110.00} by Capital One. SInce I was not aware of having specifically done business with Capital One, I called ( several days later, but as soon as I noticed the charge on my statement ) my Financial Institution, XXXX XXXX XXXX, in order to ascertain the origin of the charge. My XXXX representative then placed ( and recorded ) a three-way call to the Customer Service phone number we found on the Capital One website. Initially, the call was answered by a Capital One representative in XXXX who was unable to trace the source of the charge. We ( the XXXX Rep and I ) were then transferred to a call center in XXXX XXXX ( I do not recall the Nation, but made note of the Continent ) where the Capital One representative was also unable to provide the answer to my question and was moreover unable to forward us to somebody who Could do so. At this point, I felt my only choice was to issue a " stop payment '' order to XXXX, a process for which there is normally a FEE. My XXXX  Rep was cooperative and helpful in taking this action. I signed and returned the paperwork on XX/XX/XXXX, and XXXX promptly executed my order. Within 48 hours of the " stop payment, '' action I was notified of my failure to pay a Legitimate Bill by the Menards Credit Card Division, the ACTUAL source of the bill, and that I could be subject to " late fees '' or other penalties. When I initially obtained my Menards Card, XXXX was the entity administering the account. When Menards subsequently changed their service provider to Capital One, I was duly and properly notified, but, being a mere mortal Human, I FORGOT. Because the " fault '' was mostly my own, I DO NOT complain of any illegal financial dealing. I complain of Capital One 's Inability or Unwillingness to answer what I considered a simple and straightforward question ( i.e., " what am I paying for here? '' ) to which a satisfactory answer would have PREVENTED my taking the " stop payment '' action which in turn subjected me to possible fees and/or penalties. For my part, I was Perfectly Willing to provide detailed information ( name, address, even, if necessary, Social Security number ) to locate " my account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The original creditor i s Citi/CBNA-  XXXX   Store Card. T he problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of Citi/CBNA. On the  XXXX  report it shows the chargeoff done in  XX/XX/XXXX   , on the   XXXX report it show s that i was in good standing with them during that time. It also has no close date on   XXXX   or   XXXX  . No high balance recorded on  XXXX  or  XXXX . No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all three credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them on  XXXX  to have the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. 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 2017-06-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX   XXXX   XXXX   client  XXXX   XXXX  is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are  Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank,  certified mail with return receipt     X/XX/2017   which  Barclay  Bank did receive. A recent credit report  X/XX/2017    still shows the  Barclays  inquiry listed with the credit bureau  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 non-monetary relief
Consumer complaint received 2017-06-09 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: MA

Complaint narrative:
We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX , Equifax,  XXXX . Reporting that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: MA

Complaint narrative:
We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX ,  XXXX , Experian.  Reporting  that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.

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 2017-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I have been recieving threatening phone calls from these people. I was told if i didnt come up there and pay them they would call the police on me and i would go to jail. As of now my account has accrued interest because of their behavior. They have called me at my job everyday and sometimes even twice a day which i understand is against regulation. I am being bullied by these people and am in no position to resolve it because they said i cant come there or they will call the police on me. Im tired of being harassed them they are not trying to resolve the issue rather just argue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In  XXXX     2017  I reached out to MCM Collection agency to figure out a debt that was marked on my credit reports. The company told me that I did not owe a penny and the accounts should not be on my credit reports anymore. They sent me a letter in the mail stating this. However when I disputed this on all  XXXX  credit reports they came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
In  XXXX  of   XXXX  , I called and spoke with a citi rep about paying off a promotional balance on m y Home Depot char ge card. I paid what he told me I needed to and he assured me that my promotional balance was now paid in full.     When I called later on  XXXX / XXXX /  XXXX   to verify that the payment had been applied correctly to the promotional balance, I was informed that it had not been. The rep assured me that he would fix the problem ; not to worry.     When I received my statement on  XXXX / XXXX /  XXXX  , I found that citi had not fixed the original problem and charged me an additional {$440.00} in interest and purchases. However, I did not make any purchases.     I then called citi for the third time to try to resolve the issue. As of this writing the issue is still not resolved.     The most infuriating part of this is that there is an obvious pattern of deception and aggressive tactics to create mistakes and problems that lead to increased fraudulent gain for citi.     These have been gross, obvious mistakes ; call after call. It has actually gotten worse with each successive call.

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