vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
While checking my Free Credit report a pop up window indicated that I should apply to XXXX.XXXX for a personal loan for as little as 6 % APR. It had pre-filled in a lot of my data from my credit report. It said by clicking on the offer, my credit would not be impacted. This was very important to me because I have pristine credit, ( FICO above 800 ). I foolishly clicked on it and was instantly pre-approved for {$20000.00} loan at 6.4 %. 
I then received instructions, on how to complete loan, which I complied with to the letter. They said they had eveything they needed. Then emailed this : " Thank you for your recent application for a personal loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. '' Perplexed ... I called. Customer Service said I can't tell you why, wait for an email..which never came. They refuse to communicate with me after that. 
Then I got an email telling me to reapply. I did and now they offer a 14 % loan. This is classic bait and switch. I requested in writing to give me a free credit report and accurate reason why I was denied credit. This is predatory lending and they damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: AL

Complaint narrative:
I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I use XXXX XXXX from XXXX as a local money transfer with my peers and my bank, Capital One. I recently noticed that i am unable to " Cash out '' money from XXXX to capital one yet until Monday, XX/XX/2018, this wasn't an issue and to my surprise, it just stopped working. 
Consequently, Capital one has charged me for non sufficient funds in my bank account since automatic bills can't be paid. 
Instead of addressing the issue, both XXXX and Capital One recommended that I should attach to another bank but I do not have another bank. 

Per Capital One, the bank no longer supports XXXX XXXX, and according to the Bank, its because XXXX XXXX is not security compliant with the Bank 's standards. In my opinion, XXXX as a third party provider would have received a notification from the Bank about the security updates that was about to occur. And according to various standards such as XXXX XXXX, XXXX XXXX, XXXX and many others, both XXXX XXXX and Capital One have the obligation to notify the consumer that the app will no longer be supported due to non compliance in security ( which is a big issue ). I know this because I work in IT Security. 

Neither XXXX or Capital One has notified me of any changes ; XXXX  XXXX failed the testing from Capital One and refuse to take responsibility of this situation and it is left to me to deal with unwarranted fees. Consequently, those payments are being rejected and I am being charged late fees from all my service providers. 

I am a victim here because theirr operations do not follow industry 's standards and best practices and I would like a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am currently on my 5th phone call with Citibank in 3 days. My credit card number was stolen- I was alerted to a fraudulent transaction by text from CItibank on Monday XX/XX/18 at XXXX XXXX., I was told Monday at XXXX., card was being shut down and a new one issued. Since then, multiple transactions have shown, including 2 transactions, both to same vendor- one to old card after I was told it was closed and one to the new card that hasn't been activated yet. The first of these two charges I was told was declined, yet it now shows today towards my balance owed and a second charge for the same amount to same vendor is showing under new card number that wasn't even received when the charge was processed ( that's 2 charges to same vendor for same amount unauthorized and being cleared by Citibank ). I am told there are other charges, I am recieving emails that my balance is rising but Citibank will not tell me what those charges are or to what vendors they may be. I have spoken to 4 different people at Citibank just today alone- I requested the account be frozen multiple times including to 3 different representatives today and I am still getting emails from Citibank as I watch my balance continue to rise ( {$1000.00} since noon today ). I was told by one representative she was canceling the new card and sending a 3rd set of cards, I am now told the representative did not do any of the items she told me she was doing, and the balance due continues to rise. Citibank is dismissing the importance of the matter and is not acting on my behalf to protect my 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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been using FIFTH THIRD BANKS online banking application to pay the majority of my bills. I schedule recurring payments months, maybe even the whole year at a time. Because my retirement check is automatically deposited on the first day of the month, I generally automatically schedule my recurring payments for the XXXX of the month. My recent XXXX recurring payments were automatically scheduled for the XXXX months ahead of time. 

What I was unaware of is that the XX/XX/XXXX fell on XXXX XXXX. What I was MOST unaware of is that the bank would program their computers to automatically CHANGE the payment day of my XX/XX/XXXX payments BACK THREE DAYS TO XX/XX/XXXX and cause my XX/XX/XXXX payments to bounce and cost me {$140.00} in overdraft fees! 

I was given no notice nor was I asked permission to change my payment date. The bank could just as easily have programmed their computers to move the payment date AHEAD to the next business day after I had scheduled my payment, XX/XX/XXXX. But it chose not to in a perfect example of uncaring greed. 

Of course I called a Bank Service Representative and then talked to a Supervisor certain they would reverse the overdraft fees. They agreed to refund only half the fees, {$74.00}, citing the banks arbitrary policy of refunding only {$74.00} per year in fees, even if the fees are clearly wrong and unjustified. I might add the the banks Supervisor, who name begins with a V and ends in an A, was rude and uncaring. Whats the purpose of talking to a live person if theyre going to robotically cite arbitrary policy? And why wouldnt the local bank manager have the power to evaluate each individual situation for its merits? 

For us, good, solid bank customers, here is our reality : I am terminally ill and bedridden, unable to even leave the house to meet with a new banker. Hopefully, we can find one to visit us at our house. 

In addition, Fifth Third has stolen {$74.00} from me, money I need for my medical costs and prescriptions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
At first xoom by XXXX had exciting prospects for me. I needed to transfer money to myself internationally. Once I made my first transaction I was contacted by xoom stating they needed my ID and a bank statement from my source account in order to complete the transaction. After providing my California ID I provided screen shots of my online bank account and affidavit. I was told that id was verified. however the affidavit and screenshots of my source bank account was not. Despite most financial institutions finding the supporting documentation sufficient, I was told a pdf file of my bank statement was need. As such a statement was not available for the current source bank account, I asked if it were possible to provide a new source bank account in which such a statement I could provide. The representative said that was absolutely fine.all I would need to do is make a new transaction using the new source bank account and provide that new source bank account '' s statement. As such, I did just that. I followed up and was told that the information can not be verified. This makes no sense as I submitted and official ID and bank account statement. All that was required for verification. When speaking with customer service no one seems to know what is going on. They claim they are not allowed to be transparent. 

My concern is that I provided my private information for the intended purpose o the transfer. After providing the two private documents necessary for verification, the company collected my private personal information and still did not allow me to proceed with the service such private information was intended for. Instead the company sends me messages and advertisements and fails to give proper reason why after providing such personal private documentation and information, i remain without access to service. I feel the private information collected was not used for its intended purpose and the company xoom has given to reason nor course for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
On XX/XX/2018 a payment was made to XXXX in the amount of XXXX. They received the payment from my XXXX XXXX account and now claim to have never received it. Leaving the debit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX to present 2018 : Comenity bank has been harassing me daily. They use different phone numbers ( auto dialing ) and unknown numbers. I am to the point of having to change my number. They have been calling me multiple times a day almost getting me into car accidents because I spend a lot of time in my car. They have threatened to ruin my credit. They have left my personal information over my sibling 's voicemail regarding debt and threatening me on sibling 's voicemail. I called them and told them I was going to sue them because they released personal information about me and violated the banking privacy act. The woman on the phone told me that they " use different tactics to reach people '', I took this as them admitting they harass people and call people who are not involved and release private information. I want them held accountable for their actions. Based on research this is a common problem with Comenity Bank. They are violating banking policies and regulations. Giving out personal information to an unauthorized person is illegal. They said my sibling 's number was on file and I would NEVER put her number down as a back up number. I will be contacting the FTC as well. This financial institution should be fined. I am looking to file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2018, I was told that I could not make my {$720.00} payments lower because MY COSIGNER made too much money. My co signer called to try to explain to them that I'm paying for my student loans, and then she too tried to get the payments lowered but told her they saw that she took out a XXXX car loan so they would not be lowering the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In the Spring of XXXX, I was informed by paypal that my account would be closed for non payment on over {$4000.00} dollars on cash card purchases paid for with my paypal account. I told paypal that I hadnt used the account in over a year and the last time I did use it. The balance on the account was XXXX dollars. They investigated and said it couldnt be id. Theft or fraud since the cash cards purchased came to my address. They did agree that at one time the amount owed was XXXX and some but it had been charged up with purchases of XXXX dollars over a years time from XXXX to XXXX. 
A ] arently my wife or my adult son who stayed here briefly in XXXX found the account info and used the account without my permission. My son hss since been charged with forgery, identity theft and forging an instrument. None involving paypal. 
Today,XX/XX/XXXX I was contacted by a collection agency about a Paypal accout that has grown to XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In a recent credit report from Experian, they continue to show a tradeline that has been paid off and closed for over 4 years. The tradeline in question is XXXX XXXX XXXX,   XXXX,, opened XX/XX/XXXX, closed, XX/XX/XXXX, hi credit was {$12000.00}, it shows on report, past due, XXXX, account closed at customers request as agreed. XXXX   XXXX XXXX ASSURES me they have reported to all 3 bureaus that this account has been paid in full and the account was closed at customers request. I would like this item removed permanently from my credit report because as it is shown, it affects my debt to income ratio. Thank you for your help ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
an unauthorized payment was deducted from my account without my permission or acknowledgement, this caused additional overdraft fees on my checking account. there was no post dated payment set up or permission to process on that date amount was XXXX there was no contact from world finance or indication that payment would be processed ..there was no info on loan docs that they could submit transactions at will

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
My Perkins loan is managed by XXXX XXXX. On XX/XX/XXXX attempted to get documentation of my partial loan cancellation, which was allegedly approved in XX/XX/XXXX. While my current balance on the website matches with the partial cancellation, my most recent statement is from XX/XX/XXXX and reflects the old balance. Customer service stated that they do not provide any documentation, including loan verification. Customer service also stated that I would not receive any loan statements while my loan is deferred. Therefore, zero documentation exists to support my current loan balance. Providing loan verification is a basic loan function ; for example, XXXX readily supplies automated loan verification documents. No such function for XXXX XXXX exists, and their customer service refuses to supply any documentation. Loan verification is required for various processes, including taxes and mortgage approval. Because XXXX XXXX will not provide verification of my loan, I am unable to apply for a state tax credit related to student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Over a couple months ago I sent HP SEARS a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. HP SEARS RESPONDED by sending me Itemized list of alleged charges they claim I owe and not what I ask for to Validate the debt. HP SEARS did not provide me with some of the following, I ask please provide me with copies of any papers that show I agreed to pay what they claimed I owed, explain to me how you calculated what they say I owe. They did provide me with any paper to show that they are even licensed to collect in my state. So I also notice that HP SEARS was still reporting a collection on my credit with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I sent this company a follow up letter to explain to them that I do not agree with what they sent me. It was later deleted from my credit from all three credit bureaus for maybe three weeks. H.P SEARS has placed it back on credit with out any letter or proper validation of the debt! I kept all copy 's of the letters that they sent that I need to show they did not follow the FTC, or the FDCPA guide lines of what constitutes proper debt validation. 
Additional Information About You ( optional )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Home Loans, Inc
State: WA

Complaint narrative:
On XX/XX/2018, and at least quarterly for the last two years, Pacific Home Loans Inc. will mail official looking documents that allude to being a part of the Department of Veterans ' Affairs or the recipient 's home state ( in my case, the State of Washington DSHS ). It claims to consolidate debt under a refinanced home loan. There is letterhead made to appear as either the State of Washington or the VA along with official looking Service Member ID numbers, reference IDs, and information about your current loan and lender. The company soliciting the refinanced loan is only mentioned in small print in obscure locations of the letter. There will be a unique web URL created in the letter and a phone number that is only referenced as a " VA Loan Specialist. '' This is a predatory loan company with no official ties to the VA or state government. Requests to be removed from mailing lists have been made by phone, email and USPS letter. None of the requests have been fulfilled.

Company response to consumer: Closed with explanation