vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I took out a loan from Mobiloans in the amount of {$1800.00}. I have been making payments on the loans and have already paid in excess of {$4300.00} for the loan. When I tried to settle the account, I was told that the amount that would have to be paid was {$2500.00}. I thought this type of fees and interest rate were illegal. My husband is no longer able to work, and I am no longer able to make payments. I have attempted via phone and email to settle the account. I told the company that I could settle the account for the amount of {$250.00} but I never received a response.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System - XXXX - is reporting on my credit report for an account that was erroneous and already paid through my deposit. This should have never went to collections and I am currently in the process of taking them to court. 
It is paid already but it was sent in error and I am still fighting it with the original creditor as they are known for this type of practice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Ive called several times and spoke to Ally Financial and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.

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 2019-04-11 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I recently had my debit card info stolen and charges were made on it without my knowledge. A transaction for XXXX dollars and another for XXXX dollars along with 2 small charges of approximately XXXX dollars. I notified the bank right had card canceled and reissued, i changed the pin and info associated with the card. I then made a claim for the charges. Now 2 very important factors 1 i always use the same machine when pulling money because i am not charged a fee and this fact is provable based on my account 2 I went to the location that it was used and was told that several people had the same issue with their cards being skimmed or cloned and money being taken. The claim i placed to the company they refunded the 2 small charges because i never made them but the two large amounts they denied with no explanation or options for resolution. I think this is a gross injustice to my use of the card. Knowing i had not made charges they refund 2 charges but the other 2 made at the same time they did not. Even after seeing i don't use the card at any other location and that others has had this problem. I don't understand how they can refund 2 charges but not the other two and only chose ones that are of small amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi directly marketed a new credit card offer to me. The offer promised XXXX bonus miles with XXXX XXXX with a minimum spend of {$3000.00} within 90 days. I met the spend requirement and never received the miles. I contacted Citi to ask why I had not received the miles and they informed me it was due to the fact that I had closed a similar card with them within the prior 24 months and that this 24 month rule was disclosed in the terms of the offer. 

It is extremely misleading for them to proactively make me an offer when they knew full well I would not qualify based on the 24 month rule. When developing their lead file for this offer they could easily apply the 24 month rule filter to weed out customers like me who do not qualify for the offer. How can they be allowed to be so reckless in their marketing techniques. This is astounding and unacceptable. This type of deceptive marketing must not be allowed.

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Not sure whats going on here but this company XXXX XXXX believes I owe them funds ..this is fraud! And is the result of reporting on my credit file. 
{$810.00} Open XX/XX/15 Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: UT

Complaint narrative:
Transunion is the only bureaus reporting 2 erroneous items from XXXX XXXX XXXX ... These are not valid and they are old. I do not owe this and I have disputed it with you several times and I would like to know exactly how you verified it. E oscar is not valid verification and I need this resolved.

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 2019-04-11 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: IL

Complaint narrative:
ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through XXXX XXXXl XXXX. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called XXXX XXXX immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with XXXX XXXX already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services ( CMS ) XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Authorization was faxed on XX/XX/19. 

I spoke to a rep from CMS today and I was told they will not do anything with our authorization until 30 days have passed. They will, however, speak to the listing agent even though the listing agent has not submitted an authorization. 

When I pressed it further, the assigned SPOC XXXX XXXX got belligerent and wanted to know why we were hired. I told him likely because the borrower doesn't know what to do and the listing agent requested our assistance so that they could work as a listing agent and not a short sale negotiator. He then said well that's what the listing agent gets paid for and was belligerent until I asked twice if he intended to prevent the borrower from their legally protected right of professional representation. ********* He does not need to know why the borrower hired us or authorized us to work the short sale, all he needs to know is that they did, and he needs to adhere to the authorization signed by the borrower. 

Since we have this problem on EVERY SINGLE SHORT SALE WE OPEN WITH CMS -- -- IT IS OBVIOUS THEIR COMPANY POLICY IS TO OBSTRUCT THE BORROWERS RIGHTS TO THE SHORT SALE PROCESS AND IGNORE THE EXPRESSED WRITTEN INSTRUCTION FROM THEIR OWN BORROWER. 

************This is a directed effort to keep us from working on the short sale. 

Attached is our authorization signed by the borrower. I expect this to be applied to the account immediately and for CMS to comply with this written instruction from the borrower. We want this file re-assigned to a different SPOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Tried numerous of attempts to resolve this issue this fraud Ive never had reliant Ive asked for proof and this company do not show any proof

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 2019-04-11 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX recently responded to a complaint stating they never received my prior 4 letters. This is false and a blatant lie. I have 4 postal delivery receipts ( included ) from XXXX XXXX XXXX XXXX XXXX va XXXX. So they did receive them. Furthermore i have sent that they made an update to credit report as disputed prior to this complaint proving they were very aware of my several attempts to contact them. I have sent them a 5th letter with a dated credit report proving the update took place prior to submittance of my cfpb complaint. Regardless i have receipts proving they received them of they lost the correspondence thats on them. All i need to have a legal case is proof of receipt which I have. XXXX  also reports 2 different addresses and 3 different numbers and are very inconsistent even reporting 2 different amounts owed. This is not my debt  and if this company continues to stall while damaging my credit i will pursue legal action against them. I also possess credit reports from XXXX, XXXX, XXXX, XXXX, and XXXX showing i have disputed this debt several times each report date coincides with date i mailed validation letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: FL

Complaint narrative:
I monitor my credit closely using FICO, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my Equifax score on XXXX XXXX dropped XXXX points! I've researched and find nothing new. I called Equifax and they wanted to SELL me a credit report! Instead, I downloaded a free report of Equifax from XXXX. 
Again, nothing new showing why they would drop my score XXXX points. I'm close to applying for a mortgage and need this fixed. Is this a scam Equifax is doing to sell their products?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: KS

Complaint narrative:
I am repeatedly being contacted by Diversified Consultants , Inc . ( " D.C.I. '' - which I believe is the only agency involved with this fraudulent attempt at collecting money from me ; but it has been going on for some time - they may also have partners, I think another company tried contacting me in the past as well ). They are relentlessly trying to collect an alleged {$56.00} on behalf of XXXX XXXX XXXX. I called XXXX XXXX XXXX directly to confirm, and they told me I have never had an outstanding debt, which makes sense because I have had my credit card set up on auto-pay since my account was initially set up with XXXX XXXX XXXX - so quite frankly, this is ludacris. I don't understand how this company hasn't been shut down already. D.C.I has been sending me letters with RETURN MAIL ONLY listed for XXXX XXXX XXXX, XXXX, MI XXXX & they are listing the amount due should be sent another address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. They have the creditor listed as XXXX XXXX XXXX XXXX, Account Number : XXXX, Agency Reference Number : XXXX, Balance : {$56.00}. They have a toll free number of XXXX. They are calling 1-2x a day from phone numbers in XXXX, NE. Here are some of the numbers that nonstop call me : XXXX, XXXX, XXXX, XXXX, XXXX, and I have tried blocking others. I have also tried answering a couple of the calls and explaining to the representative that I have contacted XXXX XXXX XXXX and confirmed these claims are fake. But that has only caused them to call me more and more it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We opened an account with XXXX ( XXXX XXXX XXXX Visa card ), and asked for there not to be 'Account Assure ' service on the account. They added it anyway. Also, when we closed the account they posted our payment as late and charged us a late fee & interest before closing the account, even though the final balance check was cashed within about a week of asking for the account to be closed ( they claimed they received the check 2 days late and charged {$27.00} late fee, then interest and the unwanted service fee of ~ {$0.00} a month on top of it. The balance being paid off was about {$27.00} ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pinnacle Lending Group, Inc.
State: TX

Complaint narrative:
I am a first time home buyer. I have never completed a mortgage application before. 
XXXX XXXX from Pinnacle Lending Group Inc never provided " Regulation B. '' My ECOA rights were violated as Mr. XXXX was very condescending and misleading when I attempted to educate myself on the process. I have been monitoring my credit for 1 year to prepare for the application process. I asked Mr. XXXX to provide the credit information as he advised my credit was a " XXXX per XXXX, '' however I was confused as I have an XXXX account that showed a " XXXX '' score. I just wanted to know how the numbers were 100 points off. He sent me a " consumer report '' wre I did not see a XXXX score ; only from a screenshot with another company 's name ( not XXXX ) with a XXXX score. After that, he advised me that I asked him to " change information on the credit report, '' when I never asked that. He did not want to explain the process as I believe he practiced overt discrimination. His information was outdated and advised me that " all my credit cards are maxed out. " This is not correct as the information he provided was from XX/XX/2019 and as well did not reflect a " maxed out '' credit card balance. Mr XXXX continued to be rude and treat me differently due to my race and gender. He was not willing to provide clear, concise and accurate information. I am not sure how to get a home if I can't track my credit score according to Mr. XXXX. I do believe the practices were unfair and I did not get a chance to be correctly reviewed for a mortgage. I am an XXXX XXXX single mother with XXXX children and Mr. XXXX discriminated against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX I took my son to Wells Fargo to open an account and I ask not to be put on any account with my son. I was told that the account would only have his name on it.

On XX/XX/XXXX I was received a call from a Wells Fargo representative telling me I was a co-owner on my sons account. I made it very clear upon creating the account that it was only suppose to have his name on his own account. 

This form of business is deceptive, misleading and violated my rights. I was not made aware of the terms and conditions of opening a teen account, so there was no meeting of the minds. I did not agree in any shape form or fashion to be added to any 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 non-monetary relief
Consumer complaint received 2019-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and XXXX  and arranged for free report to be mailed. 
I called Equifax and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that Exquifax has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID # XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for Equifax to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
For several months I have been receiving periodic phone calls, sometimes daily, from someone at Navient Solutions LLC, a student loan servicing company, about someone else 's student loans. I am XXXX years old. I do not now and never have had a student loan. The Navient caller is calling my phone number, but asking for someone else by name with an offer of assistance on the loan. 

Today the caller was calling for XXXX XXXX. I could not understand the caller 's name, which is often the case with these calls. Sometimes the caller is a native English speaker, sometimes a non-native speaker. Today 's caller was a native English speaker. The caller also cited an email sent to XXXX XXXX on XX/XX/XXXX with the same offer, and I could not understand the email address given. 

The calls are always for a different person. The caller leaves a call-back number, which is different from the one the caller calls from. Today 's call-back number was XXXX. 

I tried calling the call-back numbers before I couldn't through to anyone who understood I didn't have a student loan. 

I called the Navient number just now and was connected with a person who apologized and said he could remove my phone number. I'll give it a little time and see if it works.

Company response to consumer: Closed with explanation