vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
I inquired about skipping a payment. I was informed that it was a one time accommodation made to customers and it would have no negative effects on my loan with regard to additional interest and fees. Due to my lack of trust with these companies I still requested that the deferred payment be processed along with the next due because I didn't trust that they would uphold the agreement. I was again told that I had nothing to worry about and the final payment would be debited on XX/XX/2018. Payment was debited as scheduled for {$86.00}. All twelve payments have been made per my bank records. They are stating I owe and additional {$290.00} and asking me how I plan to get my account back in good standing. It is in good standing!

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 2018-01-27 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: U.S. BANCORP
State: LA

Complaint narrative:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA 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 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Ive informed the collection company multiple times that this debt is not mine. Ive fought it and have not been provided any paperwork that would validate this debt. Ive never had a XXXX account. On my report it also shows a balance for creditor and collector which I believe is a violation!!! 

The company is Diversified consultants!! 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 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: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A  ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXXacct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXXacct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A  ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.

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 2018-01-27 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: SC

Complaint narrative:
The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and Transunion because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX  but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from Transunion and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

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 2018-01-27 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: SC

Complaint narrative:
The week of XX/XX/XXXX I sent validation/ verification to XXXX , Equifax , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. Equifax wouldn't delete XXXX even though they never could prove the debt to be mines. Also Equifax couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: SC

Complaint narrative:
The week of XX/XX/XXXX I sent validation/ verification to Experian , XXXX , and XXXX  because XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and Experian. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/2017 I received an email from XXXX showing I had opened a new account With XXXX XXXX for a XXXX XXXX XXXX XXXX credit card The application for this card was approved by Fortiva in the amount of {$5000.00}. A purchase was made the day the card was approved for {$4300.00}. I contacted Fortiva to advise them that I did not open this account. Fortiva representative said my credit was was checked through the credit bureaus and was approved. I in formed them that I have had a credit freeze on all three bureaus since XX/XX/2017 and that they could not have seen my report in order to approve the application. I also checked with all three bureaus to see if my freeze was still in affect and it was and also checked with all three to see if an inquiry had been made by Fortiva. Each bureau stated no activity on any requests from anyone. I contacted XXXX XXXX Fraud Dept. and explained the situation. They stated that my credit had been checked and again I told them it was impossible to to check my credit because of the freeze on all three bureaus. They still insisted it was checked. I informed them that someone in their company had to approve the application without checking my credit and they should investigate who approved it. On XX/XX/2017 I received the XXXX XXXX XXXX XXXX  credit card and I received a bill from Fortiva ( attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp.
State: CA

Complaint narrative:
There is a company that keeps pulling my credit. These credit inquires are hard hits that have dropped my score dramatically. I have not requested a payday loan but every year they keep pulling it. Last year they told me I owed them money which I did not. They then changed there story a few months later saying I applied which I have advised them I never attempted to do so.I would like them to stop pulling my credit without my permission. They most recently pulled my credit stating I requested it but I did not. 
I have asked them to never do business with my social security number or contact me prior to trying to establish a new loan they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I sent an email to Cash Central on XX/XX/XXXX stating I was revoking my authorization for them to debit any money out of my bank account. I received a confirmation email from on XX/XX/XXXX stating " My ACH has been revoked, and to disregard automated emails I received from them in regards to payments coming out of my account ''. On XX/XX/XXXX Cash Central debited {$55.00} out of my account which was not authorized by me and then on XX/XX/XXXX Cash Central debited {$480.00} out of my account again, which was not authorized by me. I sent them an email after the unauthorized debit on XX/XX/XXXX they claimed they would refund my money and did not instead they debited almost {$500.00} more dollars two weeks later. I have repeatedly sent them emails stating I want my money returned to my account and they have yet to do it. I am attaching to this complaint my emails I sent revoking my authorization and Cash Central 's emails stating it had been noted along with copies of the transactions they illegally did from my bank account.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am temporarily experiencing financial difficulty. 

Due to my financial hardship and in order to meet necessary household expenses plus credit payments, I am asking that XXXX Capital One to accept a reduced payment for the next 6 months on my debt. By that time I hope to be financial able to pay the monthly amount asked. If my situation improves sooner I will notify you at that time. 

I would appreciate your consideration in this matter as I am not able to meet the regular payment of {$66.00}. I will pay you {$27.00} per month during this emergency. 

I request that my account not be placed with a collection agency as I wish to deal with you directly. Over the next 90 days, I ask that you also please consider withholding interest on my debt. 

You can be sure that I will resume regular payments on my debt as soon as I am able. I will notify you when my situation improves. Please only contact me in writing and I will respond to your letters in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA 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 2018-01-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX  ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA 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 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I can not access my Equifax credit score. My XXXX  score comes up no problem, but Equifax says they have no information.

Company response to consumer: Closed with explanation