vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, XXXX and Experian multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.

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 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PRACTICAL VENTURES, LLC.
State: TN

Complaint narrative:
I received a loan from them 3 years ago! I paid faithfully {$75.00} twice monthly for 3 years which comes to an estimated cost of {$3600.00}. The loan was {$420.00}! I told these scam artist that I could no longer afford this loan and I have paid this loan in full over the course of 3 years. I would go in to pay and give them {$500.00} cash and they would return {$420.00} to me. In the first year of this loan the ladies XXXX and XXXX would only take the {$75.00} fee and a new check. The last two years I would give them {$500.00} cash and a check written for {$500.00} and they would give me my own cash back of {$420.00}. I asked the ladies to help me that I could not continue to do this SCAM WITH THEM FLIPPING MY OWN MONEY $ $ $ . They threatened me, called my phone and my family 's phone and employers phone all day long. HARASSED EVEYONE VICIOUSLY!! They then filed papers against me with court date in TN to garnish my paycheck in AR where payday loans are illegal. They also used two different attorney office XXXX XXXX XXXX AND XXXX XXXX XXXX IN AR! I live in TN!! XXXX AND XXXX BEFRIEND YOU AT AAA CASH FAST AND THEN WHEN HELP IS NEEDED THEY TURN INTO SPAWN OF XXXX!! XXXX AND XXXX YOU TWO ARE SCAM ARTISTS AND I HOPE YOU SLEEP WELL BY THIS SCAM THAT YOU HAVE YOUR HANDS IN. GRACE AND MERCY TO YOU BOTH AND I KNOW THAT YOUR BILLS ARE NOT BEHIND ARE THEY!!!?? AND YOU ARE NOT A BBB BUSINESS ; YOU ARE XXXX MONEY SCAMMERS!! Be BLESSED AND LORD HAVE MERCY ON THE SEEDS YOU HAVE PLANTED!!!
Sincerely, GET YOUR MIND RIGHT-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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Penn credit h as an account there saying was opened  XXXX   XXXX     2017  in the amount of  XXXX  dollars.   I have never had an account with penn credit or the company there pertaining to. Please provide proof with my signature authorizing this account to be opened or please advise penn credit to remove this account from my  XXXX  reporting credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Who m It May Co ncern   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC S EC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) liste d below are as follow : Please update to the correct address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY CUREN T ADRESS AD DRESS :  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that yo u investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the p ast six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the ite m ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required  by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comp ly with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: TX

Complaint narrative:
My due date is the XXXX of each month. On the XXXX, funds are auto-drafted from my checking account. I would like to make payments earlier ( 1-3 weeks earlier each month ) when I have the money available. I would rather make my payment on the loan where I am being charged interest than to have the money sitting in my account earning 0 % interest. Lending Club refuses to allow me to make payments before the due date. They would like to earn extra interest by forcing me to not make payments early. They told me that if I made a payment today ( 3 weeks early ), they would take out a full payment again on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a "  XXXX  Credit Card '' issued by TD Bank. I never applied for this card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It  May Con cern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Wh om It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) list ed below are as follow : Please update to the correct address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY  CURENT ADRESS ADD RESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accorda nce with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request t hat you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, purs uant to 15 U.S.C. 1681i ( b ),  I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and comp leteness of the item ( s ) i n question, including the business name and contact information of any furnisher within  15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law  to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX , XXXX  XXXX, FL XXXX BELOW IS NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX  XXXX, FL 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 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Hello, I have a complaint related to overzealous over draft fees of Citizens Bank, and their systemic ignorance in notifying their customers of the fees. We have 2 accounts with Citizens Bank -- a checking account, and an Equity Line of Credit. The checking account is the default credit  account for the equity line of credit. 1 ) XXXX XXXX we paid off equity line of credit and left it open without any balance. We also called customer service to make sure no other fee is accessed on the checking or equity line of credit. 2 ) XX/XX/XXXX7, an annual fee of {$25.00} was accessed on equity line of credit account and checking account was automatically debited as the default crediting account. 3 ) On XX/XX/XXXX, an overdraft fee of {$35.00} was assessed on the checking account. 4 ) OnXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a service fee of {$30.00} was assessed 3 times on the same checking account for sustained overdraft, for total of {$90.00}. 5 ) However, during these period, the Citizens Bank only sent notification to their own document center, without notifying us in any other ways through email or phone. 6 ) We only found out these charges after they finally sent us a letter onXX/XX/XXXX. As you can see, Citizens Bank work hard NOT to actively notify their customers of the over-draft fees, but they actively and overzealously charging their customers at the same time. The equity line of credit annual fee is only {$25.00}, but Citizens Bank now charges us {$120.00} in overdraft and service fees within 10 business days by piling on various fees. This is outrageous, borderline of a loan shark. Thanks for looking into this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 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: FL

Complaint narrative:
In  XXXX  or   XXXX  , I contested an item on my credit report that was reported as collection by  XXXX   XXXX   XXXX   XXXX . It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for cleaning and checkup for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from Equifax, was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into Equifax online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bayside Capital Services, LLC
State: MO

Complaint narrative:
Friday XX/XX/XXXX at about XXXX cmt, I was contacted by XXXX from Bayside Capitol Services LLC by a phone call on my brother 's cell phone. I spoke to the man and explained that I am XXXX XXXX. He kept talking and even speeded up. Then he did explain the debt and I am not disputing that I do owe it. So I asked if he would contact me through email due to my XXXX. He said that there were important documents that would be delivered to me at home. He asked when I would be home. I told him Monday XX/XX/XXXX after XXXX cmt Then I asked again for those to be emailed. Today. XX/XX/XXXX the same man called my brother 's cell again and left a message, then he called my work and spoke with the HR department. They delivered his phone number to me. I finally received an email with a .pdf file attached this .pdf stated that I had already agreed to a set payment amount and set dates of payments for the next 8/9 months until the amount of the debt is paid off. I did not agree to pay any amount nor have I signed off on any paperwork from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. Along with my ex-husband XXXX XXXX, we purchased our home in XXXX NJ in XXXX. Unbeknownst to me, my husband took out a second mortgage line of credit for {$75000.00} in XXXX. When we got divorced, the property was awarded to me through the divorce court. As part of the agreement, XXXX XXXX was to continue making the mortgage payments on the property. Since all mortgage bills were sent to his apartment after he moved out, I was not aware of the existence of this second mortgage. I was recently served with legal papers by the holder of this mortgage, Specialized Loan Servicing,  stating that the loan was 15 months delinquent and that the amount past due was {$9800.00}. I immediately began trying to contact Specialized Loan Servicing to discuss the matter, but their agents refused to discuss with me, claiming that I was not the borrower on the loan. I tried again and again, I asked for a supervisor, but could make no progress. I dont see how it is possible that SLS can try and initiate foreclosure proceedings against me, the rightful owner of the home, without even giving me the opportunity to work to resolve the matter. I am not able to repay the full past due amount in one large sum, but would like to work something out. I am the legal owner of the home, and this is a second mortgage. The first mortgage is current and we have no issues and I feel it would be much easier for Specialized Loan Servicing to attempt to work this out with me or to transfer the loan into my name. As it stands now they will receive nothingthey are in 2nd position and my ex-husband is not the rightful owner of the home so I dont see how they would have any legal grounds to foreclose, especially since I am trying to resolve the matter with them. I am contacting your agency to see if you can investigate the actions of SLS and assist in getting this logjam broken and getting the lender to recognize that even though my name is not on this loan, I was the rightful owner at the time of origination, I occupy the home and I am the rightful owner now and I have a court order that proves it. If I was not part of the equation for SLS, why would they serve legal paperwork to me?

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
A bankruptcy is being reported in my name from  XXXX   XXXX     2010  and this information is not correct.   I have confirmed that the court system does not report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I would like to file a complaint ... Synchrony Bank has been closing my accounts one by one over the past six months ... I have spend several years building my credit score only to have Synchrony Bank ruin it all by closing most of my accounts for no reason. Every account they have closed were all in good standing with no late payments EVER. I have a 100 percent ontime payment history yet my accounts keep getting closed and it is affecting my credit score tremendously. I have done everything right with synchrony bank ... opened accounts, used them, paid them on time and yet they are still closing my accounts. I need someone to fix this and stop future closing of my accounts and possible reopen all of the accounts that they have closed. I have already spoken to several people at synchrony bank and no one seems to be able to help

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