vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I have spoken with first Virginia several times over the last week. I informed them my income changed and was struggling to pay loan. I worked with their corporate office and attempted to do partial payments. I really couldn't afford them but was trying to make an effort to do something. Now the loan is so far behind its about to default and all this interest and fees are being placed on account. On XX/XX/18 I spoke with corporate office a lady name XXXX who had left me a message 2 days prior saying that it would be too late if I didnt call back in 3 days this was left in my voice mail. When I called back she told me that only option she could offer is for me to pay {$270.00} I believe and they would match that and make a payment for me. I told her I cant do any where close to that she told me to call back and talk to customer service see what they could do after default. I called on XX/XX/18 and spoke with the manager I  believe his name was XXXX of the first Virginia store in XXXX XXXX XXXX XXXX PH # XXXX I spoke with him on XX/XX/XXXX as well and had been calling him since Friday afternoon because he had told me he was going to see what he could do to help me and call me back but he never did so I called him. he offered the same for me to do payment of XXXX and they will match that and make a payment or do s payment of XXXX and that will make account 30 days past due. when I told him I could only do XXXX and do the rest my next pay day to make the payment XXXX he said that wouldn't work because another payment will be do. Then he started to threaten me and tell me if I didnt do one of the options and it defaults I wont have any money anyway because they will take it was his exact words. he said I needed to make a decision before they take it I told him there isn't that kind of money in my bank account he said no they will take from your paycheck and you wont have a choice. And that if I get something figured out call him back. He was very rude and threatening

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an inquiry made by Ally bank on behalf of XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/2018 related to this application. AN official dispute of this inquiry was sent to Ally bank XX/XX/2018 and to XXXX XXXX XX/XX/2018. Ally bank replied that XXXX XXXX was the party responsible for inquiry removal ; this statement by Ally is incorrect according the FCRA and Ally is now in violation of FCRA guidelines and at this time are in violation of my client 's federal consumer rights.

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 2018-09-11 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: PA

Complaint narrative:
I purchased tickets for my son and his girlfriend in XX/XX/2018 for an XX/XX/2018 trip. My sons girlfriend broke off with him and I called and cancelled the flights. I then disputed the charge through the XXXX XXXX credit card and they said I have to pay because I made the purchase. I will not be using the service and I should not have to pay for tickets that will not be used. 
XXXX XXXX XXXX card - Citi Retail Services XXXX XXXX   XXXX XXXX TN XXXX Date purchased : XX/XX/2018 XXXX son ticket XX/XX/2018 XXXX girlfriend ticket XX/XX/2018 XXXX son seat XX/XX/2018 XXXX girlfriend seat Date cancelled - XX/XX/2018 Record Locator XXXX Date disputed on credit card XX/XX/2018

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 2018-09-11 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I spoke with someone from early warning about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First Data Corporation
State: WA

Complaint narrative:
i went to write a check and was turned down by XXXX and i requested my report and there using my b day but different name and i did not commit this fraud i want this removed i disputed this i now have my legal office writing them there using to different people info and reporting not cool please fix this at once 3rd written response.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 i received a notice from XXXX XXXX that a hard inquiry had been made on my credit history. The inquiry was listed as XXXX/XXXX date XX/XX/18.. Supposedly from XXXX XXXX using Transunion credit service. XXXX said to contact XXXX, they said to contact Transunion. Transunion gave me a phone number that didn't do anything. XXXX said not there problem, call Transunion, etc., etc.. they say i need a letter of removal but no one wants to give it to me as it is " not there fault ''. Please 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
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XX/XX/2018 @ about XXXX call requesting a VAlidation of debt and collector refused to send it out because she stated she is unable to send it because it was already sent. Also wanted itemized statement refused to send it out. And them to answer my question they stated that I want get anywhere talking to them like that. She was very rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern ; The following credit Bureaus were negligent to remove a derogatory account '' Experian, XXXX and XXXX ; which is XXXX account # XXXX in which I have disputed on several occasions ; these bureaus were unable to provide me with original documentation with my signatures.

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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
This company for which I paid off XX/XX/XXXX is reporting as of XX/XX/XXXX that I owe the amount of XXXX. They should not still be reporting this since this account was paid and the amount should be XXXX. 

STANISCCONTR COLLECTION/CHARGEOFF Other {$730.00} Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
name : XXXX XXXX XXXX XXXX of XXXX ( XXXX before XXXX change ) XXXX XXXX XXXX XXXX ny XXXX had mortgage with XXXX XXXX bank ( XXXX ) in XX/XX/XXXX for the XXXX of {$140000.00} refinanced house in XXXX there was never a release filed by XXXX XXXX they have refused to answer and/or offer help can not sell house with this still on the rolls need help XXXX ( HSBC ) is no longer in the united states have been trying for over a year to get this cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
On XX/XX/2018 I made 5 bill payments for {$2000.00} each to XXXX XXXX at XXXX using XXXX 's XXXX XXXX XXXX service. These particular bills were processed by XXXX. 
My bill payments did not arrive at XXXX XXXX on XX/XX/XXXX as expected. I called XXXX and they told me they chose not to process the payment and that I needed to go back to the store where I made the bill payments to be refunded my transactions. 
On XX/XX/XXXX, I went to a XXXX location to receive my refunds. After 90 minutes of multiple phone calls and long hold times from the store location to XXXX, 1 of my 5 transactions was given a new number so I could  theoretically be refunded my payment. Unfortunately, XXXX put my name as XXXX XXXX XXXX on the transaction. My original payment, was processed with the name XXXX XXXX XXXX - which matches my identification and my original receipt from the bill pay location. The location I was at was unable to process my return payment because my ID did not exactly match the name on the XXXX transaction. I was then told I needed to send an email with my receipt images and my ID to XXXX in order for XXXX to correct the name on the receipt within 2-4 business days. I did so on XX/XX/2018. 
I have had several back and forth emails and one phone call with XXXX to try and get this resolved since then and am now being told it will still take longer to get this resolved. 
As an aside - on the 1 transaction XXXX tried to refund, they refunded only my payment ( {$1900.00} ) and not the XXXX processing fee of {$4.00}. When issuing the refunds, XXXX should refund the entire amount of {$2000.00} since they did not process the transaction and therefore should not collect the processing fee. 

Transaction numbers are : XXXX / XXXX XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
My XXXX report had 14 hard inquires. I didn't authorize a those.

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 2018-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I purchased a home in XX/XX/XXXX with an FHA mortgage loan serviced by PNC Mortgage. The home was listed with a septic system. I paid for an appraisal and an inspection for home including septic system. In XX/XX/XXXX we listed the home for sale and accepted an offer. The new buyer requested we have the septic system pumped. We hired XXXX XXXX to come and pump septic tank. They snaked the septic line with a camera and found there to be no septic tank/system. What does exists is a sewer line that runs directly into a public water way. I contacted PNC who directed me to talk to FHA. FHA responded and explained that it was PNC duty to check permits with local health department. The County health department has no record of a septic permit for this property. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Peak Legal Advocates
State: FL

Complaint narrative:
I signed a contract with XXXX XXXX XXXX in XX/XX/2015. Everything was great until late last year when I started getting court documents. As you will see in my email correspondence, they assured me more than once that all was being taken care of. Not once did they call me to tell me there was a problem. I have been following all the directions given to me by them uploading documents and I now can't use my checking account because XXXX has put a garnishment on it for over $ 14K! Again, not one time has anyone from this company called me to say, " hey, we have a problem with your account!? '' I have not actually heard from anyone at Peak Legal or XXXX XXXX except for XXXX who is only a negotiator and tells me to talk to Peak and talk to a lawyer. I have reached out to Peak via email who just passes me on to XXXX XXXX who is their attorney representing FL. But it's been weeks and I have yet to actually talk to anyone representing Peal Legal! I have acquired hundreds in overdraft fees in addition to the chaos of all of this! I'm a single mom teacher who was just trying to take care of her debt after divorce and this is what happens to me!?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Im XX/XX/XXXX to XX/XX/XXXX I have a few late payments with CapitolOne due to change of employment & taking care of my sick grandmother, Ive contacted them to remove the charge off & late payments but they refuse & being non compliant, Ive also settled in the account so there shouldnt be any reason why they shouldnt remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: NY

Complaint narrative:
Transunion is reporting the wrong birthdate on my report now. 
I was not born in XX/XX/XXXX. I was born in XX/XX/XXXX. TransUnion is still reporting my address wrong as well. My address is ( XXXX XXXX XXXX ) -NOT- ( XXXX XXXX XXXX ). I believe they are intentionally making these changes to my report on purpose because of my disputes to cause me financial harm and distress. 
I have disputed items on my report in the past and i have always provided my id and SScard. Why all of a sudden after i dispute items on my report my birth date changes and my address. Again how can you do a PROPER INVESTIGATION if the information you are reporting is WRONG. 
( XX/XX/XXXX ) is my birthdate. 
So if they claim to be doing investigations into my disputes how can they find any of them to be mines if TRANSUNION does not even have my BIRTHDATE correct. 
So this means all of there investigatios are fraudulent and they have not done any proper investigations at my request. 
NOW I ASK AGAIN THAT THEY REMOVE ALL OF THESE INQUIRYS FROM MY REPORT, CAUSE NOW I HAVE LEGAL GROUNDS TO FILE A LAWSUITE. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX PLEASE DO NOT TRY ANYMORE STALL TACTICS AND SEND ME ANY LETTERS ASKING FOR MY ID BECAUSE MY ( NY STATE ID ) IS INCLUDED WITH THIS LETTER AS WELL AS MY SS CARD.

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 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Ive tried contacting Transunion to remove an old utility bill XXXX from XX/XX/2010 that does not supposed to appear after 7 years & they refuse to remove it.

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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/2018 I filed a complaint very much similar to this same complaint with this exact company wth exact amount and account number. I requested debt validation and to have this removed from my credit file untl futher notice or the amount alleged that is owed was paid. On XX/XX/2018 the company responded with the following statement " The matter has been placed in a properly disouted status along with credit reporting bureaus. We have requested from our client XXXX, the itemized Bill and Signed Admission Form for consumers review. '' Subsequently the item was removed from my credit file as per my request. On XX/XX/2018 The item has been once again added to my credit file which has caused my credit score to drop significantly which displeases me tremendously. First I thought the companies wording " The matter has been placed in a properly disputed status ... '' was a play on words. There was never any intention of verifying this debt with me and it was simply a bid for additional time to once again add it to my credit file I have attached a copy of the previous complaint dated XXXX, XXXX Complaint # XXXX Under the circumstances I now am requesting this entire file be deleted from my all reporting credit reporting bureaus and closed. If not I will be forced to contact an attorney for violation of FDCRA. I was told I would receive information regarding this debt and I have NOT. I was told it would be removed from my credit file and it has NOT. I am now saying that this will be my last request that I process for FREE. Any additional complaints will be charged to Ability Recovery Services at a rate of no less than {$120.00} per hour with a mininum of 1 hour or {$120.00} charge. 

At this point I am NOT requesting for verification, I am demanding a Total Deletion.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Attempted to have XXXX XXXX XXXX to update my XXXX Credit Card late payment which happened for only 2 months over 2 years ago as reflecting as derogatory on my credit reports thus impacting my FICO scores and my perfect on-time payment history of auto deductions from my checking account for 2 years of above minimum payments. They chose not to update it. However, they change the Account Type from CREDIT CARD ( which it is -- a XXXX credit card ) to MANUFACTURED HOUSING ( I've NEVER owned any type of housing ) I'm renting an apartment in Public Housing. 

As you can see, I've disputed this twice with Transunion telling them this was a credit card but again as you see in the attached document it shows incorrect Loan Type. I'm not disputing the amount nor the credit card. I'm trying to get them to do me a favor in removing it from derogatory account status and make right the Loan Type. I've never asked for an increased in the credit limit in the time I've had this account either, that would be favorable also to my credit score but I  haven't asked for 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 explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Pioneer Credit Company, Inc
State: SC

Complaint narrative:
The branch manager of pioneer credit has came to my workplace 4 times over the last month. My boss is getting very tired of it as I am as well. She is not supposed to come to your place of employment. Also has been calling a person she thought was my boss which has caused other problems and I may not have a job due to this. I was Sent home on numerous occasions because of this. I would appreciate this being looked into as my information should not be brought to the publics attention. That is violating the privacy act.

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 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.

Company response to consumer: Closed with explanation