vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
XX/XX/XXXX scheduled a payment for XXXX dollars to be taken from my account and applied to the balance XX/XX/XXXX. They didnt try and take the money from my account until the XXXX so the bill got marked as late and hit my credit score. 

XX/XX/XXXX i scheduled the payment for the XXXX. This time they credited my account the XXXX and let me spend it ( paying a medical bill ) without removing the funds from my bank account. Then on the XXXX tried to take the money from my account, which was not there because i had assumed that since the cards balance was restored the money had been removed. SO they tacked that XXXX on top of what the balance already was and pinged my credit score yet again. 

On XXXX first, i scheduled a payment for the minimum balance amount of XXXX, it was promptly taken the next morning from my bank account for the date i had scheduled the payment which was the second. 

I called them Wednesday the XXXX to try and figure anything out with them by talking to a supervisor about the situation, all he could do was blame me for it and say it was my fault, which technically it is. BUT when you schedule a payment you expect that payment to go through when it is scheduled, not almost a week later. Very shady practices to get their late fees, and over limit fees and everything else added on to screw me over and ruin my credit score at a crucial moment in my life when I am looking to buy a house for my family here in vermont. I have never had this issue with any other company i have ever paid bills with. The funds are at least put on hold immediately when the bill is scheduled for payment not just left there floating. 

Shady business practices if you ask me and now i have to work another 6 months to get the 80 or so points they knocked off of my credit score and i am EXTREMELY unhappy about it, and their customer service. The guy was basically yelling at me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have contact Flagship Credit Acceptance numerous times over the past two year trying to get them to remove their account off of all three credit bureau 's. My car was totaled during hurricane IRMA and insurance paid them over {$9000.00}, leaving a balance around {$5000.00}. After insurance payment, I talked with someone after I made another payment of {$310.00} and they talked me into paying another {$2100.00} leaving me a balance of {$2600.00}. They told be they would write this off and I would be in good standings with them. They did not tell me that this would cause a negative remark on all the credit bureau 's. If I would have know this I would have continued to make my monthly payments until it was paid in full. They even sent me a refund check on XX/XX/2019 for {$16.00} for some reason.

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 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C SYSTEMS HAS AN ACCOUNT ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX   XXXX XXXX XXXX XXXX  XXXX ACCOUNTS XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I live in Northern VA, work in XXXX a single mom of XXXX need the extra cash to pay something up in the house I initially got a loan for XXXX dollars and I paid off XXXX and of a XXXX dollars I owed XXXX cent but then they called and said hey we can give you a loan for XXXX, well I said ok my oldest daughter was leaving for college so this would help, but they deposited XXXX in my account, which technically with the remaining balance of my XXXX dollar loan, that would only total XXXX dollars not XXXX, so the amount given is a lie as well and with all my payments I have paid them a total of XXXX dollars. Which in the state of Virginia Net Credit operated without a license in Virginia. Virginia law caps the interest rate on loans at 12 percent per year unless a lender qualifies for an exception, but NetCredit is being sued and loans are being disputed as illegal because their interest rate ranged from 34 percent to 155 percent and that is not legal in VA, so if we went with VA interest rate on a XXXX loan I would owe only XXXX but technically since I only received XXXX my interest rate on this loan based on VA laws I would only need to pay a total of XXXX, for which again I have paid them at total of XXXX and they have reported to the credit bureau that I was late and owe almost XXXX, they should not be report and I sent them information stating that have paid them in full based on VA law and actually they owe me money back and because they are using Utah law they are not willing to work with anyone and keep pushing interest onto the loan and are using illegal practices.They have also been harassing me with phone calls and my place of work who has told them to stop calling but the persist on calling. I will attach my payments from my bank and the lawsuit that is ongoing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: VA

Complaint narrative:
I have sent 3 dispute letters to Experian. One on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are violating my rights by refusing to dispute the negative accounts on my report. The other 2 bureaus have removed stuff because it could not be validated but Experian is saying they are all validated. But according to the Fair Credit Reporting Act for the accounts to be validated they have to be able to provide a signed contract or video of me signing a contract for them to be able to report an account. These negative accounts have not been able to provide such evidence therefore again violating my right per the FTCA. Per the FTCA Experian could be fined {$1000.00} per violation should I choose to take them to court. I am trying to avoid a court proceeding by working with the CFPB and Experian to fix the problems on my Credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XXXX I received a robo call from someone who threatened to charge for a service I had not requested. I became concerned about the fact that someone must have my SS # etc ' I called Equifax to see if my information had been compromised. It confirmed that it had been. On this date I froze my credit on XXXX  & XXXX. Equifax has refused to do so despite my spending almost 5 hours on the tp & internet. No explanation, just referring me to someone in the XXXX or elsewhere.Online it says '' sorry we can not complete your request and provides a telephone No ) Calling it I get nowhere until the robe voice cuts off with a ( Thank you for calling Equifax ). I don't wish to file a claim since I have not been damaged yet. Also it seems that relief is limited to {$120.00} or so. Any assistance would be appreciated. If this attitude continues, I will commence a personal action against Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I placed a security freeze on my SageStream file in XXXX and in XXXX attempted to temporarily lift the security freeze in order to attempt to obtain a loan with a company that used SageStream to verify identity. I contacted SageStream multiple times over the course of three days to attempt to reach them by phone and was unable to reach a live person ; in all cases, I left voicemail messages requesting that they return my call and still heard nothing.

I attempted again, multiple times over the course of three days, to fax a signed letter and proof of identity to the secure fax number that the company provides on their web site in order to have my security freeze temporarily lifted and the fax number was busy all throughout the three day attempt. 

My last resort would be to mail the information to them which would take far too long to reach the company to obtain the loan in a timely manner. 

It is criminal that these companies collect personal information regarding all manner of the lives of citizens and then provide no efficient and timely way to contact the company to protect this information or otherwise correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: NJ

Complaint narrative:
XXXX had a massive data breach recently showing that companies have the potential to leak millions of customers information. Right now as part of their practices, Experian gathers clients FULL social security number through their telephone prompt. 

This is bad practice and this data is able to be recorded in such a manner that exposes everyone who uses their phone systems to have their social security number leaked. I notified the rep in the XXXX but they seemed to have no regard for the dangers of this matter. This is a ticking time bomb that WILL lead to a data breach as the dial patterns of clients are going to have less security than other parts of their data. Please convince Experian to change how they do business before all this data is leaked.

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 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RESURGENT/LVNV FUNDING has an account on my credit hat is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 explanation
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON 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 2019-09-05 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: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON 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 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/19 Comentiy Bank called a relative of mine in Arizona, from XXXX XXXX. I have complained before about them calling relatives/friends and was told they would contact me directly and closed the complaint. They continue to call relatives repeatedly discussing my financial situation with them. They also continue to call out of state relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
hard inquiry on credit report fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
This Mortgage company raised my mortgage XXXX When asked why they stated because my taxes increased as well as my homeowners insurance. Which both are correct. They then directed us to lower our homeowners insurance and this will get our payments back down, so we did just that only to receive a XXXX decrease. When asked how did they come up with the outcome to raise our mortgage from XXXX to XXXX they cant give a definite answer. When sked to speak to the person that perfume the analysis they stated that they don't take calls. I am a veteran and I find it extremely disheartening to have fought for my country to only end up being literally robbed of my hard earned money.

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 2019-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
I received the email below, but I have never spoken with anyone. I unfortunately defaulted on the loan due to unforeseen circumstances, but have every intention of paying it back eventually. 

CREDITOR : Speedy Cash Group CASE NO : # XXXX AMOUNT OUTSTANDING : {$750.00} This Proceeding issued on you Docket No : - # XXXX with one of SPEEDY CASH LOAN. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings on XX/XX/2019 but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

In order to resolve this case outside of court you will have to submit payment of {$750.00} today. 

WHAT IF YOU WILL IGNORE We will simply filed the case against you for the three serious allegations, ( i ) Violation Of Federal Banking Regulation.

( ii ) Collateral Check Fraud.

( iii ) Theft By Deception & Money Laundering. 

You will be sue into the court house, where you have to pay {$4500.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, Settlement Department, speedy cash loan XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2019 @ XXXX XXXX EST I called Citibank regarding a problem I had getting a copy of a check online. I spoke to a supervisor by the name of XXXX who told me she would send me a copy of the check via email but never did. I had spoken to three ( 3 ) people prior to speaking to XXXX. 

I just want a copy of the check. 

Thank you.

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