vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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: Experian Information Solutions Inc.

Complaint narrative:
Per Experian email sent to me : ============================================================= Important info about your IDnotify membership Dear XXXX, This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. 

Sincerely, IDnotify ___________________________________________________ Since Experian knows I live in XXXX ( they just mailed me a credit report here in XXXX ) and want to keep my credit file LOCKED - why do they do this to me? Do they NOT know that access from a foreign web site will be DISALLOWED by the server at Experian. 

I want my file locked!

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 2020-01-18 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Placed a dispute on a delinquent report by Regions Bank on all 3 credit beaureu ( XXXX, XXXX  and XXXX  ). Provided documents supporting my claim that Regions is reporting me delinquent unfairly because the lack of communication between Regions Bank and XXXX XXXX   and their failure to properly contact me in regards to their decision to stop doing automatic debit on my current account for mortgage payment. XXXX XXXX  sent letters to my home address and tried to contact me via phone to a number I no longer had. Regions Branch in XXXX had all the correct contact info as I had updated it. XXXX XXXX had their contact info incorrect and I was unaware that they worked as two separate companies ( Only was told about this when I complained about the delinquent report ). Since I was travelling abroad at the time, I was unable to read the letters sitting on my mail box. When I returned home and saw the letters I proceeded to go to the Regions Branch inmediately and pay the past due amounts with the funds that had been sitting on my regions bank account designated for auto pay. 

Credit Bureaus failed to consider all the documents and info provided and their response letters only mentioned that they acted according to Regions Bank response that they were reporting accurately my information. 

This is an abusive use of the credit bureau report. This tool is made to properly show people who are unwilling or unable to meet their obligations on a timely manner. I strongly believe that with all the documentation I provided ( including Regions account statements showing more than enough funds available to meet payments during the due dates ) clearly shows that I had more than sufficient funds to meet my payment obligations. The only reason this was not done is the fact that Regions Bank stopped doing the auto pay in a period when I was out of the country and they also failed to properly inform me of this situation in order for me to be able to try to have payments made somehow from outside the US.

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 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: OK

Complaint narrative:
Bank of the West is charging me overdraft fees on the XXXX for purchases that cleared on the XXXX. Also edited the order of some other charges to maximize overdraft fees but apparently thats legal. XXXX the consumer over however you can. Thats capitalism. Should have let the banks fail. Smh. Anyhow, thats my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: VT

Complaint narrative:
I had a student loan account in delinquency. It was obtained by Educational Credit Management Corp ( ECMC ) in XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ) While I was paying on my student loan prior to this acquisition, I was unable to pay during a period of time when ECMC owned the loan. 

They've subsequently reported this as 14 separate delinquencies on my credit report. Some of these delinquencies are as small as {$160.00}, and could have easily been paid in full. However, I was not given the option to pay 14 smaller debts. Only one large and unmanageable payment. 

In XXXX, I successfully refinanced this student loan. I've made payments on time 100 % of the time, using the income driven option to make it manageable. It took quite some investigation to even find the loan, as ECMC did very little to communicate with me or help me get back on track. 

In trying to obtain a mortgage, I disputed the 14 delinquencies with all three credit bureaus, hoping it could be listed as one debt. I agree that lenders should know about this default, and I understand that student loans are sometimes broken into years or semesters, but 14 exceeds both these numbers. I can not wait seven years for that many negative marks to fall off my report.

In response, ECMC reported 14 XXXX dollar, refinanced debts as STILL in collections for XXXX, XXXX and XXXX, XXXX. ( It was listed as closed XXXX, XXXX before I filed the dispute. ) In response to my request, they added more incorrect information to my report, making it nearly impossible for me to obtain credit. ( It seemed almost like retaliation. ) If they don't own the debt anymore and were paid by a refinance, can they still list it as " in collections '' or " charged off? '' I've contacted ECMC as well. I can not redispute the details with XXXX  ( who listed this change first ), because I've already filed the initial dispute, and I'm not sure I have any recourse with the other agencies if it is similarly reported in this inaccurate way. 

Please help. I'm not sure who else to turn to ... 

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
Consumer complaint received 2020-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: MD

Complaint narrative:
The payday loan company has charged me an excessive amount in interest fees and finance charges. The amount paid is five times the amount of the loan. According to Truth in Lending Act, federal law prohibits charging more than 2.75 % interest per month in the state of Maryland. The original loan amount of {$600.00} that was established on XX/XX/2019 has been satisfied as of XX/XX/2019. This company operates by extortion and it's time to see this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
Moneygram decided that I could no longer send money to my partner in XXXX and did not inform me of that for months. I was told that they would have an answer for me within 30 days as to why my transaction was cancelled on XX/XX/XXXX of {$500.00} and I called repeatedly back and no answer was given. On XX/XX/XXXX, after not having used the service for months, I tried sending money again and Moneygram this time took my money and said that it was ready to be picked up while my receiver went to two different offices in XXXX and was informed both places that the transaction was returned to me. However, the transaction has not been returned to me as of today, XX/XX/XXXX, and damages to our work and to his livelihood have resulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XX/XX/2019, I transferred via ACH {$3000.00} from my Capital One Checking account to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Account. I mistakenly sent it to a XXXX   account that was closed, so I called XXXX. They indicated it was not a problem as they would reject the transfer and the money would be transferred back to my Capital One Account. The {$3000.00} was never returned to my Capital One Checking account, and XXXX did not receive the {$3000.00}. From XX/XX/XXXX to present, I filed multiple claims with Capital One which were rejected since this was deemed a valid transaction. Ive called Capital One and no one on their help desk is equipped to determine where the ACH transfer ended up and there is nothing more I can do by calling their help desk. Capital One provided trace ID numbers for the transfer but can not verify the money was transferred to XXXX. Capital One claims the money was transferred, and XXXX claims the money would have been automatically rejected and since they dont have the money, there is nothing more they can do. On XXXX XX/XX/XXXX, XXXX provided me a letter stating the money was returned to Capital One, see attachment. On XXXX XX/XX/XXXX, Capital One provided me a letter confirming the money was not returned to Capital One, see attached. Both have indicated there is nothing for them to do here. There is nothing more I can do but file a complaint so the money can be located. I am still out {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: TN

Complaint narrative:
Equifax online verification asks questions that have NOTHING to do with my account as far as my knowledge goes. They ask about auto loans, student loans, mortgages that I have never had. When I called customer service to complain that if they are legitimate questions, then someone else is using my identity, and I would like to file a credit freeze. Both online and with customer service continue to ask questions that have no bearing on me, and deny my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
in XXXX I presented my cd for payment to bak of America --  they refuse to pay saying they do not have any internal back up record. I have the original document as issued by XXXX XXXX XXXX XXXX XXXX ga and who in XXXX were merged into BAC bk of America re fdic XXXX. the cd is checked auto renewable and is active now. no bak has ever communicated in any way re cd nor were any funds turned over to Ga unclaimed funds

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 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a checking account with Citi Bank for almost a year now. But I rarely use the checking account. So imagine my surprise when one day I looked at the account just for fun and giggles and see that my account was overdrafted XXXX because I did not have a balance of more then 1,000.00 for the month. Now keep in mind that when I originally opened my account with Citi Bank I told them that I would likely not have that amount every month because I would primarily use that account for XXXX etc. I was told that was fine because this is a total free checking. So imagine my surprise when I found out that I was overdrafted. Not because of my bad budgeting but because of Citi Banks Misrepresentation. So when I called to request a reversal of the overdraft fee that was not due to my lack of budgeting etc. I was told No because this account is required for me to have a minimum balance. And when I explained that I was told that this was a total free checking. I was still told that he would not be able to waive the fee. So I told him to close the account because this company is very misleading!!! Now yesterday just so happened someone XXXX me money not realizing that I no longer banked with Citi. ( So I thought ) because again I told them to Close my account. So in a panic i checked and what do you know!! The account was still open and they took another XXXX fee out!!!!!!!!! I am livid!!!! Especially when this account was suppose to be closed months ago!! Totally not okay!!!!!!!!!!!

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 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi card turned on what was supposed to be an optional fee for credit protection services without asking if we wanted it. We had no idea that there was extra money being charged every month for a service that my wife and I never wanted and never agreed to. The company refuses too take any responsibility, saying it's on us to inspect our bills and see if they have added any new services without permission. We've been struggling for the last few years to pay off our debt with this company and the extra money that was going to the credit protection services is a direct cause of us not being able to get this debt under control. They can't or won't provide any proof that we agreed to the optional service. We never did.

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been trying to contact this company on multiple occasions and no one has returned my phone calls. I have been trying to resolve this debt by getting on a payment plan because there is no way that I can pay the full amount in one pay and Im also not sure the the full amount is correct. All I keep getting are threatening letters that I can not contact the company and they are taking me to court to sue and Im sick of being harassed by a company that I have never even spoken with so how can I trust that the debt is even valid with them. The company is Midland for XXXX XXXX and the amount is XXXX. Im sick of being harassed and not being able to get this under control all my other debt is being handled but this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC
State: RI

Complaint narrative:
The credit card was opened for my Company, XXXX  XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX and XXXX in XX/XX/XXXX to contact XXXX XXXX to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for XXXX XXXX admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: SC

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I and my spouse discovered the theft of over {$120000.00} dollars by XXXX XXXX XXXX XXXX XXXX XXXX as I attempted to enroll into their XXXX campus ( XX/XX/XXXX ). 
Somehow XXXX XXXX XXXX allowed XXXX XXXX to open a fraudulent account in XXXX XXXX as 1of my attachments indicate.

We contacted the school and corporate only to get the " runaround ''. These criminals pursued us into our professions having my spouse XXXX harassed and bullied as they took my XXXX license XXXX XXXX after a kidnapping by the XXXX police Dept. I filed complaints with numerous organizations that somehow chose the side of these criminals over me and my family whom are blatant victims. These criminals opened XXXX dollar accounts on myself and spouse into their XXXX XXXX campus. They are using my spouse maiden name XXXX XXXX XXXX to secure fraudulent accounts.They are presently cyber and physically stalking is. I haven't worked in the XXXX  industry since XXXX XXXX for XXXX XXXX where I was wrongfully terminated and {$1800.00} in commission monies seized. Have set up a fraudulent child support " case '' to block me from using my hard earned XXXX  license ( XXXX ) here in XXXX as they allow unlicensed criminals to literally burn the hair out of clients head due to illiteracy of the " stylist ''. XXXX # XXXX XXXX XXXX XXXX v XXXX XXXX XXXX was suppose to have been long settled by now!!! In seizing control over my and spouse social security numbers they have seized our very lives!!! A XXXX XXXX forwarded the arbitration demand monies I demanded to an old address in XXXX XXXX  knowing our exact whereabouts were in XXXX XXXX. These criminals won't let up!!! Attacked my spouse from behind XX/XX/XXXX shortly after her being delayed by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Mall. They tried to kill her!!! Her shoulder needs XXXX but they have rendered us homeless with their aggravated identity theft schemes!!! I last worked a couple months ago for the XXXX  XXXX XXXX of XXXX XXXX as a XXXX  for 4 months. On XXXX XXXX I and my wife went to the XXXX board there in XXXX to inquire about my hard earned XXXX  license. I saw it on the computer. Unfortunately XXXX XXXX XXXX has sold it to some unqualified person ( XXXX XXXX, XXXX XXXX, 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 2020-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
PayPal is holding funds of mine without cause. {$360.00} from a repeat buyer, funds have never been held before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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:
REMOVE THIS FRAUDULENT ACCOUNT FROM 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 2020-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Home Depot via Citibank is engaging in gender discrimination I applied for a Home Depot credit card for a project in my name only ; my credit score is XXXX, my income is XXXX, I have one active loan XXXX and I am a woman. They offered me a card with a {$500.00} credit limit. When I asked why such a low limit based on my credit score, I was advised they use a matrix. They would not give me details on the matrix and just told me to contact the credit bureau. 

My husband applied the next day. His credit score is XXXX, his income is XXXX and he has the mortgage and a card loan. They gave his a card with a {$5000.00} credit limit. 

Prior to XXXX of this year, the house we owned had the mortgage in both names but because I was doing temporary work ( steadily from late XXXX through early XXXX ), I didn't want the hassle of explaining my work history on the mortgage application.

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 2020-01-18 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:
REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation