vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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: TN

Complaint narrative:
XX/XX/19 This account appears on my credit report, i contacted ACE Cash express to see who had the debt, they stated XXXX XXXX XXXX had it once contacting them they advised XXXX XXXX had it upon further research they have been shut down for illegal practice. So i contacted XXXX XXXX the company listed on my credit report, he was very rude and threatening, I asked my balance he stated XXXX upon speaking to ACE Cash Express they stated that I owe {$400.00} and that the collection agency is NOT ALLOWED to tack on anything extra. I expressed this to XXXX XXXX XXXX and he stated well oh yea we will take {$400.00} and I will take it off your credit within 48hrs. They are sending very threatening emails as well, when I asked for the debt to be validated they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
YOU HAVE MY PAYMENT / CURRENT PAYMENT STATUS IN COLLECTIONS CHARGE OFF I NEVER RECICVED NOTICE THAT I HAVE A COLLECTION ON A SOLD ACCOUNT PLEASE VALIDATE THE COLLECTION YOU SOLD ACCOUNT HOW CAN I BE IN COLLECTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Equifax credit report and I totally shocked that Equifax reinserted fraudulent accounts on my credit report from 2-4 years ago. Equifax has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for Equifax to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX   | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} Equifax did not notify me within five business days before placing these old fraudulent accounts back on my credit report. Equifax has violated my rights and I will be consulting with a consumer attorney sue Equifax for its negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I turned my lease in on XX/XX/2019. To the Hyundai dealer. On XX/XX/XXXX I sent the vehicle return receipt to Hyundai motor finance, XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX, to request an abatement on the property tax I paid. I sent in the plate return receipt on XX/XX/2019, I have talked to 4 people since then on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They say they have all the paperwork but nothing is updated on the system for a refund. The last lady I spoke with XXXX was very rude. She said it can take months to get a refund. That is unacceptable. I do not know what else to do. Please help. The personal tax I paid was XXXX. I know I will only get part of that back. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Here were the terms : Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

-- -- I opened the account XX/XX/2019. 
It's been 99 days since I deposited {$10000.00} on XX/XX/2019. 

I had issues in the past with them not paying me the bonus for my other account and now it's happening again. I reached out multiple times over social media, secure message on the bank website and phone calls. I tried escalating the issue as well. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
My account has been in a dispute queue since XX/XX/2019. The company continues to have me make payments of a falsely advertised product that is a Ponzi scheme. The product is from XXXX ; who makes a molecular hydrogen machine that does not produce as advertised. It also requires filters to be changed every 9-12 months that was never mentioned when purchasing. This is a health hazard. I demand to not be charged for this product that I am not even using anymore due to health concern that may arise. UCFS clearly did not do their due diligence when taking over the loan. They are just as responsible for this machine as XXXX. I especially should not be making payments while in a dispute process. Multiple loan companies have forgiven loans for this product because of the reasons mentioned above. There has even been an XXXX article about the bogus product this machine is and the loan companies who have stood beside it. Some are now distancing themselves and lawsuits are occurring. Shame on UCFS for continuing to take money from the sick and poor.

I have made several attempts to resolve this matter with UCFS to no avail. I have made payments for the amount of {$360.00} since XX/XX/XXXX. I want that money back and to have my loan forgiven immediately.

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 non-monetary relief
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. None of these unverifiable accounts were deleted and remain on my credit report. After further review, there are a total of 2 accounts now listed on my credit report that can not be verified as belonging to me.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found one more incorrect addresses that needs to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Experian, did however email me a link to view my updated credit report with some of the wrong addresses being removed as well as a physical copy of my report dated XX/XX/19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is erroneously reporting an account as delinquent to my credit report in an effort to cheat me out of money. This account was paid in full and never late. Please see the enclosed documents. 

BANK OF AMERICA XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We have paid our mortgage payments on XX/XX/2019and on XX/XX/2019 and have not had them applied. Our accounts shows that we currently have a balance to pay for those two months, but we have proof that we have paid them. I also wanted to make sure we were not being charged interest for the amount that has been paid. I contacted the lender several times and they say its a computer issue affecting many others and should be fixed shortly. But it has been over two months already and it has not been fixed.

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 2019-10-16 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: World Acceptance Corporation
State: WI

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX, XXXX World Finance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: FL

Complaint narrative:
Transunion Credit reporting is still showing a derogatory remark account of {$200.00} that was paid on XX/XX/XXXX, on my XXXX XXXX app. XXXX has dropped the account in the same XXXX XXXX report. 
The account which was opened XX/XX/XXXX was for physical therapy I received for a XXXX XXXX injury. XXXX  shouldve paid it, but due to transient management and intransigent staff at XXXX, they didnt pay it. I received a settlement when I filed a grievance over my treatment during the time I had the injury and received a settlement in spring of XXXX from which I paid the bill myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company constantly sends letters and phone calls even after confirming that debt is not mine. Has affected my credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reported credit card transactions on a chase credit card of mine as fraudulent charges to chase credit card company. 
I see merchants listed for those transactions I reported, are some shape of business that sells merchandise and provide services, however I have not had any business with those merchants and have not received any merchandise or services from them. 
It seems that my chase credit card had been illegally charged by listed merchants that acted as money launderers that worked with an unlicensed online casino that I had used in the past. 
Chase credit company came to a conclusion after an investigation that I am responsible for all transactions I reported as fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This complaint is regarding Equifax. Because of their breach I was forced to freeze my credit with them as well as XXXX  and XXXX. I signed up with accounts, passwords and PIN numbers which were issued by said companies. Over the past several years I have temporarily lifted the freeze so credit could be pulled. I have had no problems whatsoever with XXXX or XXXX. Their computer systems work beautifully but to date Equifax has been a nightmare. Today I needed to lift the freeze so a local oil company could pull credit. As always I go the " system is temporarily down '' notice so I called the toll free number. One question asked what my payment amount was. A single payment loan does not have payments therefore I answered to what I thought was appropriate. Now my credit is blocked until I send personal information through the XXXX mail or fax ... .ie, copy of DL and copy of social security card. I called Equifax and tried to deal with person who spoke broken XXXX to no avail. 

I can not believe that a company which caused the computer breach that effected millions of people 's credit does not have a computer system that will accommodate consumers. Nor can I believe that through no fault of my own I am now relegated to sending personal documents through the mail which could be another disaster. Equifax has gone from allowing their computer system to be hacked to not having an operational system at all. To compound the problem they employ non English speaking individuals. 

I can not believe that a US company is allowed to operate under these conditions. I am sorely disappointed in this company and unfortunately I can not op out of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX  WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX  WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC
State: CA

Complaint narrative:
The company called and emailed many times. They call our employees, they call our family at work. We are in commuinication with them in writing only and yet they still call extended family and harass them at work even though they have nothing to do with the business debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
i have these unknown inquires I wish to have them removed, I have sent letter to Transunion, I have reached out to the creditor that made the inquiry still no 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 2019-10-16 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX credit card inquiry XXXX XXXX XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I opened an account with SunTrust on XX/XX/2019. I made an opening deposit of {$50.00} shortly after opening the account. I deposit my employer paycheck of {$1100.00} on XX/XX/XXXX. 

The next day ( XX/XX/XXXX ), I was notified that a hold was placed on the paycheck for 10 days, and funds would be available on XX/XX/2019 by XXXX ET. The reason for the hold was " confidential information that the check may not be paid. '' The next week, I received my debit card and new account information by mail. 

When XX/XX/XXXX came, I called SunTrust Customer Service, and a CSR told me that my account was under review and couldn't give me further information over the phone. I went to the XXXX XXXX, MD branch and spoke with a banker the same day. She informed me that my account was actually going to be closed, " per the rules and regulations. '' When I said that I did not receive any notification of this, she said " well, we don't have to notify you. '' I took my complaints to social media, and a representative from SunTrust Bank 's social media team contacted me. He said that my account was " under review and will be closed ''. He also said that closure " takes 5-7 business days with no activity, then another 5-7 business days for the account to be closed, then another 7-10 business days for the funds to be returned to you via US Mail. '' It may be until XXXX before I get my money back, nearly {$1200.00} that I deposited in good faith.

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