vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a targeted advertisement in the social media platform XXXX for a personal loan to payoff credit card debt from XXXX XXXX ( SoFI ). I began the process of " checking my rates '' on XX/XX/XXXX, however due to the amount of information needed I did not complete the process that day. On XX/XX/XXXX and XX/XX/XXXX, I received additional emails from SoFI encouraging me to complete my application. On XX/XX/XXXX, I completed the application by providing my address, date of birth, place of employment, years of professional service, and annual salary. 
After requesting my rate, instead of showing the available rates ( which is what I was attempting to access ) I was notified that I had been declined for a personal loan. At no point was I advised that I was actually applying for the loan as the site left the impression I was checking the rates. 
When attempting to access the Adverse Action letter, I was directed to call as the reason was " other ''. When I called SoFI I was informed that the denial was due to my credit score was too low and my debt utilization is too high. I asked for the minimum credit score, but was advised that the required score is proprietary. I also explained that there is no adverse action letter on my account and that I expected the denial to be put in writing. The customer service agent explained that I can view in my account and seemed unconcerned when I said that it was not available online. She offered to send it to me via email, but the email I received from her only directs me back to the original link inside of the SoFI account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to Equifax a {$700.00} balance. I can not believe Equifax would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want Equifax to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Attempting to find out information on Citibank and XXXX XXXX XXXX 's policies on loaning firearms manufacturers funds for business continuity. If these institutions are following thinly-veiled threats from anti-Constitutional politicians, how do we proceed to protect ourselves from abuse?

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX  XXXX XXXX and Citigroup are dictating to companies who they will or will not do business with based own these banks views of gun rights and the XXXX XXXX XXXX. These multi-billion dollar Banks that were bailed out from financial collapse with American taxpayer dollars now feel they do not have to follow the laws set by Congress and our constitution and can discriminate on certain companies with their on policies. This is a dangerous precedent.

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 2018-04-30 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: Community Health Investment Company, LLC.
State: GA

Complaint narrative:
The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to XXXX a {$700.00} balance. I can not believe XXXX  would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want XXXX  to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
goldman sachs bank allowed unauthorized transfers out of my account. XX/XX/XXXX {$9000.00} out on XX/XX/XXXX XXXX into account and XX/XX/XXXX {$9300.00} out. There was a pending transfer of {$700000.00} on XX/XX/XXXX I cancelled before transfer was made I reported the theft of funds to goldman sachs on XX/XX/XXXX.and they did nothing to secure my account on that date.The attempted {$70000.00} transfer was made 4 days after my complaint. The security for the account was set up by a sixth grader. If some has your email address all the need to do is go to the online account login which asks for your email address as your username. Type in your email address and it asks if you want to change your password Check reset password and they send a temporary password to your email address Now you log in with the password they gave you and you can now do whatever they want with your money. They have been looking into this for 20 days now I have called numerous times and have gotten 20 apologies but no money Please help me get my money back I am XXXX years old and living on social security

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I became unemployed in early XX/XX/XXXX and fell behind on payments, I have never been behind on my payments or needed assistance in the past before this event. While unemployed I was unable to pay my mortgage payments so asked Chase for assistance to be able to be able to keep my home. They put me on a Forbearance plan to make 3 payments of XXXX to get to the end of the year. I worked hard to become employed and told Chase when I got a job ... without my knowledge they took me out of Forbearance and placed me back into foreclosure. I did everything they had asked me to do and got denied twice for loan modification. After the second denial they told me to contact a realtor about short selling my house. I did just that and got great news that I didn't have to have a short sale or foreclosure on my records for my specific property that I could sell it and not affect the homes value. I did everything possible to make the house presentable so that Chase could get their money back asap. I was fortunate enough to get an offer the second day on market to a buyer who was understanding of the properties situation and asked Chase to move back the foreclosure date from XX/XX/XXXX to XX/XX/XXXX to allow this deal to go through. They denied my request and insist on foreclosing out this property. The foreclosure of this property doesn't only hurt our family unnecessarily but the homes value, our neighborhoods value, the future buyer of the home for just 41 days of a difference. This is the reason I am filing this complaint ... we are not trying to be unreasonable we are just trying to do the best for all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EXPERIAN 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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS

Complaint narrative:
Springleaf has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TMX Finance LLC
State: GA

Complaint narrative:
In XX/XX/XXXX total I purchased 3 vehicles from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX phone # ( XXXX ) XXXX ; of the 3 vehicles 2 of them was financed. In XX/XX/XXXX i noticed that the dealership and all the others had gone out of business. I had been making payments on time each month and after XX/XX/XXXX i  noticed i stopped receiving emails of my payment conformation so I called and spoke with a worker who told me that XXXX XXXX now owns the loan! I was shocked because I had not received any notification from XXXX XXXX that they was going out of business nor any intent to sell or transfer my loan to XXXX XXXX. in addition my vehicle had many issues with the radiator rendering it inoperable for the 1st month and a half and i recently had more radiator issues as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
I am writing to you about a title loan I got in XX/XX/2013. I received the loan in the amount of {$6000.00} ( XXXX XXXX ). I needed this loan for a personal matter. I have never had a title loan before and when I went in she explained to me that she would take a picture of my car and give me the loan I need .I informed her that I didn't know how soon I could pay this loan back. She said no problem, you can make monthly payments of around {$360.00} or I could make smaller payments and stretch it over a long period of time. But was not explained the true cost of the loan if I renewed it multiple times. I was mislead by the terms and cost of the loan .Never was it told to me that this loan was and should be a 30 day loan.The amount of the loan also exceeded the amount my car was worth. Even if I would have tried to sell my car to pay off the loan, I still could not have paid the loan off. Each month she would renew the loan without discussing the fees or the total cost of repeatedly renewing the loan. I have paid on this loan for 5 years. I lost my job this XX/XX/XXXX and went to them about how I was going to make the payments. All that was said was I could voluntarily turn my car in or they would repo it. Of course I need a car to get a job. My brother stepped in to help me keep my car. After 5 years of paying around {$360.00} a month, I still owed {$4800.00}. Total of a {$6000.00} loan has cost me {$26000.00}. We found out that when my brother paid the note off, I was being charged an interest rate of 97.21 %, Never has that ever been discussed during the loan. I would have never paid the loan off and my car is not worth selling. I was offered {$500.00} for it. Yet, they made a loan for {$6000.00} and used it as collateral.I am filing this complaint because I feel like I was mislead about the terms and cost of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have been complaining for a year to XXXX, XXXX that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. XXXX wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called Cavalry. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or  was, but I will not pay a debt I did not incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
Bankruptcy Case # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX Original Account Number # XXXX for {$140.00} 2 Years ago after our bankruptcy was discharged we received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX, stating that we owed a bill from XXXXXXXX XXXX   XXXX and that we owed them {$140.00}. We checked our XXXX credit report and sure enough they recently started to report to them. We called them and told them this account was part of a bankruptcy and the bill was taken care of and that we filed a dispute online to remove it from my credit report. They denied that it was part of the bankruptcy and requested proof. We contacted our bankruptcy lawyers, they checked and it was, so they faxed XXXX XXXX XXXX a copy of the bankruptcy report. Our dispute went through, and it was also removed from our credit report. We haven't heard a thing from them since. 
Today, XX/XX/XXXX I checked my credit report more thoroughly than normal and noticed that 6 months ago, XX/XX/XXXX to be exact, they relisted it on my transunion credit report lowering my rating again. They tried to fool us by not putting the orginal date that the XXXX was on which was XX/XX/XXXX, and just listed the opening date as XX/XX/XXXX. No other dates were visable, it was made to look like a newly turned in debt. I called the XXXX XXXX XXXX and told them that my lawyer had already faxed them the information on our bankruptcy, she still denied having it telling me I needed to have them send the information in again. We contacted our lawyer again, and they are resending the bankruptcy information and we filed a dispute again with transunion to try to get this off of our credit score. Our lawyer told us we needed to contact you to get them to stop harassing me, when we paid our debts by paying off our bankruptcy.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: CA

Complaint narrative:
Experian is reflecting an account that doesn't belong to me and is fraudulent. this account was removed/deleted from my credit file and they are putting it back on suddenly and its not correct. this account has been removed and should stay that way. I spent numerous months getting this off and spent so much money getting this resolved and now they put it back on my credit file and I have sent them again all the documentation to remove it and they advise they will not do so. this negative XXXX XXXX account hey have listed on my credit file does not belong to me. this needs to be removed asap for good and this is ridiculous that they are again violating my rights and the credit regulations. I have spent countless hours getting this resolved and for them to not properly handle this is ridiculous.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION 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 2018-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX and I am disputing the balance on my account. Please see the following bank transaction history attached, which includes 10 pages. Please see the first payment made on XX/XX/XXXX ; it was made at the dealership for {$690.00}. I took possession of the vehicle on XX/XX/XXXX. The month of XX/XX/XXXX in the amount XXXX and XX/XX/XXXX in the amount of XXXX dollars payments was made. Then on XX/XX/XXXX, another payment was made for {$750.00}. Now lets move now to XX/XX/XXXX, Two payments was made on XX/XX/XXXX for {$720.00} and another payment on XX/XX/XXXX for the month of XXXX ; XXXX ( Advance Payment ) of XXXX. So basically I am one month ahead. Now lets look at XX/XX/XXXX payment for XX/XX/XXXX, again Im ahead by one month. Then on the month of XXXX, XXXX another payment for XXXX ( Again advance payment for XX/XX/XXXX ). Then again in XX/XX/XXXX payment made for XX/XX/XXXX. ( Again advance payment for XXXX, XXXX ). On XX/XX/XXXX another payment made in amount of XXXX. ( Again advance payment for XX/XX/XXXX ). Basically you should get the picture by now. Then in the month of XX/XX/XXXX another payment XXXX was made for XX/XX/XXXX. Since I was ahead by one month XX/XX/XXXX was the only month I didnt make a payment because I was ahead by one month. On XX/XX/XXXX payment made XXXX for the month of XXXX. Now Im not ahead. Then XX/XX/XXXX payment made XXXX for the month of XXXX, XXXX. Then on XX/XX/XXXX another payment was made {$770.00}. Now on the month XX/XX/XXXX a payment of {$1400.00}, which covered the month of XXXX and XX/XX/XXXX. Furthermore on XX/XX/XXXX a payment was made in the amount of {$1400.00}, which covers the month of XX/XX/XXXX and XX/XX/XXXX. ( After this payment Im behind a month in XXXX ). Finally on XX/XX/XXXX ; I made a payment in the amount of {$2100.00} ; which should have covered the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I am still seeing a balance for this month of XX/XX/XXXX, which should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit reporting is reporting an account closed that I have not ever had closed and has always been opened and in good status. I have reached out to Experian numerous times about this and they have ignored my requests and now will no longer process my requests to correct this error. all the other credit agencies have the information correct and Experian is the only one with incorrect date being supplied and shown on my report. they are reporting a closed credit card account with best by and my best buy account is opened and has been verified by best buy credit card department, I have reached out to Experian on this matter for over a year now. please make this right and update this correctly so my credit file reflects correct information.

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name on the account is XXXX XXXX XXXX and I am trying to cancel my Experian account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks up. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a letter to Transunion XX/XX/XXXX, in which they show receivedXX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called onXX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.

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