vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: ME

Complaint narrative:
I applied for a payday loan on XX/XX/2018. While on the phone, and dealing with the contract I specifically asked the person if i paid off the loan on my next check what the full amount due would be. I was told about {$30.00}. When the time came to make the payment, all of the sudden it was very much more. I could not afford the full amount so I just let them take out the {$58.00}. Ive since made numerous payments, including one on XX/XX/18 inn the amount of {$58.00} & {$41.00}. On XX/XX/18 I request my payoff amount. I emailed them five times in total, with the last one on XX/XX/18. All requesting my payoff amount. They then called me on XX/XX/18 and said they were attempting to collect a debt. I asked how I was in collections when they have automatically been debiting my checking account each pay period since I took the loan. I told them Id had enough and that Id be filing a complaint with you all. I disconnected the phone. I then received a text message that stated my payoff amount is {$240.00}, and asking how I intended to take care of the payment before it is escalated further. I texted them back and asked escalated for what? Ive not missed a payment ... they automatically deduct it. I also sent a screenshot of my checking account showing the payments on XX/XX/18. This company lied to me on the day I took the loan. They have not given me my payoff amount even though I have emailed and texted requesting it numerous times. It always takes a week to hear from them, all the while they are racking on the interest to my account. I have now put a stop payment on my account. I will not allow any further payments to be automatically deducted from my account. I have no issue paying a debt, but I will not be financially XXXX. 

I do have emails that I can forward to you all showing my requests. I will attach screen shots of the texts I received today, as well as ones that were sent a few weeks back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX  XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I seen there was hard inquiries on account there is open accounts I have they were on there then the next month they took it off its a good account in good standings and still being paid on contacted by phone letters and email and called they did nothing they said there is nothing I nore the CFPB can do about it. all my letters returned all complaints automated response to the CFPB. they refuse to fix hard inquiries when the contact information for contacting the company 's go to a company that is not the reporting company the reporting agency refuse to fix the problem, They give companies I have aplyed for credit 3 different credit scores they got from Experian ranging from 508 to 641 so they have been giving fraud information to FICO as well. I cant have below a 600 with no bad credit and great pay history reported like 4 XXXX XXXX records reported over 2 months 3 poaid off now gone and XXXX XXXX was removed was there but now gone as good credit on all of them. 
Then 3 XXXX XXXX good reports have been removed that I have only had good reports with XXXX, over the lat 3 months and now is gone some one in  the Experian has been messing with my 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 2018-03-21 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: IL

Complaint narrative:
Contacted United Revenue Corp regarding {$290.00} debt that they state is owed for XXXX XXXX XXXX XXXXXXXX for XX/XX/2013. XXXX XXXX XXXX XXXXXXXX state that they did not have any accounts in 2013. XXXX XXXX XXXX is unable to send proper documentation regarding their stated debt. There are no signed contracts. United Revenue Corp is  incorrectly reporting to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone fraudulently took {$700.00} dollars from my unemployment debit card without my knowledge on XX/XX/2018. I contacted the bank on which the debit card was issued and they told me to get a police report and that they were going to mail me a fraud statement report to fill out and return with the police report. On XX/XX/XXXX I received a letter from the bank saying that they were denying and closing my claim. The first person I spoke to at the bank told me that I had no proof that it was fraud and that there was nothing further that I could do to recoup my money. When I called back and talked to a second person they said that they only way I could get the fraud paid was if I could get a video of the person taking money out of the ATM where it happened. I am now trying to work with the police on this, but it is slow going. And in the meantime, I don't understand why the bank institute isn't doing more to help me recover my money and why they closed my claim without any effort on their part. They simply canceled my debit card and issued me a new one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank has accepted an online check withdrawal for ~< {$30.00} with some cents with only description " authorized by '' my name and my account routing number that I never authorized and dont recognized the payee. I was told that's the industry standard everywhere now by most banks to accept this type of ONLINE BANKING transactions. The problem is that the routing number of each checking account will be retrievable or printed at the bottom of each personal check written. I XXXX online this payee phone # given by my bank. The payee name then showed up on many customer complaints reciting similar fraud withdrawals. Also other entities name with similar instances such as, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, etc. There should be a law to prohibit this transaction ever approved by any banks by submitting bank routing number and name only. There is no owner 's signature on file authorizing it. The fraudulent activities occur involving small amount of money stolen under 50 $ from many online bank accounts easily. Where is our consumer protection on this?? Please look into this and warn the public. If the banking law doesnt change, public could never provide their checking account for their automatic withdrawal with safety as thieves can withdraw on their public checking account easily by copying their name and the account routing number. This is NOT RIGHT!! Public beware!! I am closing my checking account. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
I sent a check to my mortgage company, Specialized Loan Servicing on XX/XX/2018 for the full amount of XXXX monthly payment. I have until XX/XX/2018 to make the payment. The company did not cash my check, however did an ACH direct withdrawal from my bank account for the full amount. They have not posted that payment to my mortgage. I have been in contact with them since mid XXXX and sent them the information multiple times. They are reporting late payments each month because when I mail my current payment, they are applying it to the month outstanding. I can't get a copy of the cancelled check because they did not cash it. My bank has told me to send them my statement showing the ACH Payment coming out of my account. I have done that multiple times in the ways they have told me to send it in. Still, the payment does not reflect as being applied to my mortgage. They have listed me as late on multiple occasions, because they put my payment into a " holding '' account and then remove it and reapply it. I have called and written them, and can't seem to get anywhere. I filed a written complaint to the Dept of Savings & Mortgage Lending link on their website and they tell me they are not the correct people to contact and gave me this site to file a complaint.

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been attempting to restore use of my credit card with capital one. I have made monthly payments on time and over the minimum payment due. I have also been making additional payments to ensure the balance is lowered. I have contacted capital one on many occassions to have them review the card to grant access since the account is not delinquent nor has it been for almost 4 months. I have advised that I got better employment allowing me to make the payments and keep the account current and active. They only provided one offer, however I  advised that at the moment the offer was given that I was underemployed. I have contacted capital one multiple times trying to have them review the account and provide them proof of income, etc to have them restore the card. They refuse to restore and refuse to assist. They won't put me in touch with someone who can make the necessary adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: LA

Complaint narrative:
The credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have numerous amount of account review inquries on my trans union report that have been used without my consent, these inquries are now affecting my credit score and i feel like i should have been notified that my credit will be a factor, i feel like all these should be removed from my file since i had no idea that these will appear on my credit report. 
THINGS LIKE XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - DONT KNOW WHAT THAT EVEN IS, XXXX XXXX, ALL THESE SHOULD BE REMOVED. AS WELLL AS THE HARD INQURIES ON MY ACCOUNT THAT I HAVE NO IDEA ABOUT.

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 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
Receivable Mgmt Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Mgmt Group The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Mgmt Group is practicing UNJUST ENRICHMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: EdFinancial Services
State: TX

Complaint narrative:
I pulled my credit reports. On all the reports it shows I have negative and a late account with Ed Financial. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX  and XXXX. All came back verified. I called Ed Financial, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: LA

Complaint narrative:
The credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate n reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 2018-03-21 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: Nelnet, Inc.
State: IN

Complaint narrative:
OnXX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college.

They told me, it was a account that was canceled by the government.

But it is on my credit score, and it is hurting my credit score.

Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: TX

Complaint narrative:
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with Transunion, XXXX and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, Equifax and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.

Company response to consumer: Closed with explanation