vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
I was sent an email saying I was approved for a {$10000.00} loan, I get on the call and some man called XXXX XXXX says I only qualify for {$5000.00} loan. 
Then he asks me for my address verification and a payment verification i give him my bank info and he sends {$400.00} and tells me to go buy two XXXX XXXX Gift cards to send the money back. Ridiculous! I just blocked the number and he kept reaching out from many other numbers. Now I have an extra {$400.00} in my account & my bank is disputing the claim. I dont want that money nor need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
We are a 100 % XXXX  owned XXXX XXXX. We had to wait until other XXXX businesses got a loan due to us having a account with us bank. When it was time to apply we were told we would receive a response within 3 days and did not. When we did we got another response that said 10 days. It has now been 14 days and we still have not received a reply from us bank.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed Consumer Financial Protection Bureau Complaint # XXXX. The complaints stated " See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint. '' I received the following reply today from XXXX  " According to our records, the disputed item does not appear on your personal credit report at this time '' This is incorrect since XXXX XXXX XXXX XXXX is still 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 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
On XX/XX/2020 I entered into a Tittle Loan with Rapid Auto Loan, LLC. The amount I borrowed was $ XXXX@ 31.54 %, which I thought was too high, but because of my financial hardship due to the Covid-19 pandemic I felt that I had no choice in taking the loan, I did not have a job at the time of the loan and due to me not finding employment due to the pandemic. I reached out to Rapid Auto Loans, LLC and explained that I was unable to repay the loan, due to my extreme financial hardship. I was told by Rapid Auto Loan, via text that my payout to avoid repossession was {$3000.00}, which is 200 % of the amount borrowed, ( screen shot attached ).

It is my belief that Rapid Auto Loan, LLC engaged in a predatory action in loaning me the money, knowing that I was not working and wouldn't be able to repay the loan, in which they could repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I utilized a loan deferral option by wells fargo bank online that was titles " we are here for you ... '', and it basically allowed you to click and defer your loan because of the economic impact of the pandemic. I utilized this for about 6 months and started repayment afterwards. My issue is I was charged around {$2000.00} in interest which is unbelievable. Worse yet, my first 3 payments of around {$700.00} were all put towards that newly acrrued interest and my principal amount was not touched. How is this helping people out during a pandemic when you profit off them? I did not realize that I would pay that much interest and thought Wells fargo was actually trying to help with their " we are here for you ... '' slogan and link online. They should have done a better job explaining just how much you would pay extra on your loan in effect increasing their profits regardless. I would have preferred to continue making payments if I knew I would pay {$2000.00} extra. I would ask for greater transparency as I believe some of their credit card deferments freeze interest payments if I am not mistaken and I thought mine was either the same or minimal interest would be charged. I believe you can not mask an extra profit making mechanism as pandemic help. Helping someone does not usually involved getting more money out of them and is unethical and immoral and if you are doing so you must clarify and highlight in large print your true intentions and just how much the " help '' would really cost you. I am struggling with rent and bills as it is and now my first 3 installment loan payments which I am struggling to make are all extra interest payments. That is just not right. I called customer support on XX/XX/XXXX and after explaining my situation, the customer service rep did not offer any sort of remedy to help me except for stating I have finished paying off the approximate {$2000.00} in extra interest for my 6 month deferment. I believe they should waive the extra interest and put the amount I paid towards my principal and normal interest levels or at the very least reduce the enormous interest amount in the middle of a global pandemic. Thank you for listening.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: TX

Complaint narrative:
on XXXX i was working out at the park in XXXX Tx and after about an hour i noticed my direct express card was missing. I began asking people at the park if they had happened to see a card and if so that it was mine. Nobody claimed they saw it. i began back tracking and searching for at least 2hours. The card was no where to be found. Once my friend picked me up, XXXX XXXX, he helped me look for it, as well. We were unable to find it. At that time, I immediately called DirectExpress # and reported that my card was lost or stolen. I also phoned XXXX on XXXX and reported it to them as well. I spoke w/XXXX. I spoke w/a XXXX, I spoke w/a XXXX emp # XXXX on XXXX, supposedly a supervisor. I was advised that I would receive a new card in 2 or 3 days, I actually received it the next day by XXXX, charged {$13.00}. I thought everything was fine until I went to the XXXX XXXX in XXXX and the card was declined. I used my old pin # then tried my new pin # both declined. The card that they sent me was the same 16 digit number on my card that was lost or stolen. I was advised in order for me to activate my card i must do it online. Well the policy online said for me to call DirectExpress. The last person I spoke to at DirectExpress was XXXX XXXX and she advised me that she would UNBLOCK my card and I would be able to use it. Well I never ask anyone to BLOCK my card in the first place, I REPORTED IT LOST/STOLEN. I spoke w/this XXXX on XXXX and on XX/XX/XXXX I went to XXXX in XXXX Tx and the card WAS DENIED. I am not happy with the way they have handled this issue. They have lied, given me the runaround. It appears to me that they are not very honest people or else maybe they need more extensive training for their jobs. Whatever the case may be, I certainly hope you will handle it promptly. 

Thank you for your time and attention in this matter and I look forward to hearing from you. You can email me at : XXXX You can leave a message for me at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been battling XXXX XXXX XXXX XXXX XXXX  and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are asking for my permission to allow them to get a third party involved, which makes no sense, on top of them still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to change the date that a old charge off is to be deleted from my credit report. They will not even look into it. XXXX  and XXXX  have fixed it. Nys law requires paid charge offs to be deleted after 5 years not 7. Experian refuses to do this with a paid XXXX charge off I have. Attached you will see the information I see.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Signed up for CitiBank prepaid credit card, received the card. Tried to connect card to mobile wallet, they didnt send verification code. Called customer Service, and they advised that they would send a letter to my address. Tried to use card, and fraud alert prevented use. Called customer service, and they asked for a family member phone number, but said I am not connected to any of my family members, so they can not verify my information. I cant use my card whatsoever. My prepaid funds are trapped in a card I cant use, and customer service is no help at all.

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 2021-02-11 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Home Depot has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

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 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I contacted Nelnet on XX/XX/XXXX via email explaining the error reported on my credit report. I received a copy of my latest credit report and I see two XXXX of Ed/Nelnet accounts are reporting inaccurately on my credit report. The account payment status is showing 120 days past due. My account has been transferred in XXXX. Why is still reporting as 120 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is re-aging a closed account. This inaccurate account is hindering me from future lending. Please delete both accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been battling XXXX XXXX XXXX XXXX XXXX and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Company : American Express Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Problem : Account Status closed in credit account with XXXX. 
Detail : 2 of the account with American Express is listed as " CLOSED ''. These were business account strictly. I am proving my SSN for American Express to pull my record to make necessary correction with my credit account. 
Our XXXX has gone through a fraudulent experience in Hawaii in 2017. All our investment, our records, documents were fraudulently possessed by group of people. 
This is when we were advised to close all credit accounts immediately. 

We have taken necessary legal actions against these activities. The legal actions are in the process. This had brought us financial hardship. 

We are trying to be clean up the mess and inaccurate information that is hurting the credit and unable for me to obtained necessary loan. 

Please remove the CLOSED status from credit account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was alerted to go on line by my refinance lender to see what was going on. I did, and discovered that my credit score dropped 144 points. In a PANIC, I discovered that I was put into collections by I.C. System for an unpaid medical bill with XXXX XXXX/XXXX. 
I called XXXX to see why they put me in collections, and they said that they don't bother looking in their portal system, so they didn't see my inquiry regarding the {$410.00} charge as incorrect. I was told by the office manager that they send out 3 notices then put it in collections. 
A review of my credit information shows that IC System started putting me in collections on XX/XX/XXXX. I NEVER RECEIVED ANY COMMUNICATION FROM IC SYSTEM for this collection. NOT ONE. As soon as I saw that my credit score dropped 144 points, I IMMEDIATELY contacted IC System and paid the debt. 
I had no choice. I was trying to refinance my home, and I couldn't risk being denied. 
This is fraud, and I'm charging XXXX in it. IC System sent me two notices AFTER I paid, but none while they put me in collections on XXXX, again on XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX, my score dropped 144 points. 
Not only did XXXX raise me back to XXXX, but mysteriously removed that I ever had a debt collection notice! 
I believe that XXXX and IC System and XXXX are working together to basically hold a financial gun to peoples heads to FORCE them to pay charges without question. I disputed the charge to XXXX after their XX/XX/XXXX bill. I went through their system portal. Since I never heard from them, I thought they wrote off the claim. I found out later that they don't bother reading the portal claims. They collect payment by submitting you to IC System. 
I get notified by the US Postal Service of incoming mail. I have all the notices from USPS of the 2 receipts from IC System AFTER I paid, showing a payment receipt and a payment agreement. The USPS has no notices to me from IC System prior to the payment receipt and payment agreement.

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 2021-02-11 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: Great American Finance Co
State: IL

Complaint narrative:
There is a fraud account from Great American Finance opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with XXXX XXXX XXXX there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well

Company response to consumer: Closed with explanation