vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: MN

Complaint narrative:
I applied for a loan on XX/XX/XXXX and was approved for a XXXX dollar loan. When the first payment was due, I received an email noting there was a {$300.00} fee and I had to give them 2 days notice if I wanted to pay anything on the loan. I thought the XXXX was the loan and interest. I could not pay more and was charged in the exact same method agin two weeks later. I was able to borrow money from my mother and laid the loan off in full. I paid it off in less than a month and the {$1000.00} loan cost {$1600.00}. I assumed that payday loans of this type were illegal in Minnesota and should have asked more questions possibly, but they are taking advantage of those needing a short term loan and isnt right. Luckily I could pay it off, but even so, thats a 60 % interest rate and had I not been able to make the total payments, the loan would have cost over {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I closed on my home in 2015. I was recently told about the MCC option to file on my taxes for the life of the loan. My lender never offered this option to me, and I would have gotten an additional tax refund of over {$1300.00} this year alone if it would have been added. I reached out to my lender, and she stated I am unable to add it after the fact, but I do not feel this is fair as I was never given the opportunity initially. I am a single mom and this type of money would have helped me so much and I am so disappointed. Mortgage through USDA, payment comes from BB & T, loan officer 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 2020-01-30 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: NC

Complaint narrative:
Experian and XXXX are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.

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 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Winona Holdings, Inc.
State: CA

Complaint narrative:
I received a letter stating a check I wrote to the pharmacy was returned. The letter stated I was being abusive and stating i was a fraudulent check writer. It also stated i have created a " history that reflects an attempt to commit fraud ''. The letter went on to state I had the option to resolve the issue if my error was " not an attempt to commit fraud. 

The amount of the check was {$16.00} cents. I went online to try and pay the error and they gave me the option to pay by check ( ironically ) however, they wanted to charge a processing fee of XXXX in addition to the returned check fee.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Violations of Fair Debt Collection Act by Acura Financial Services. Debt settled but debtor reported to credit despite settled debt. On XX/XX/2020, I was contacted by a representative from Acura Financial Services regarding my outstanding debt for a lease return fee. At this time, I was told by the collections agent that the debt was outstanding at {$380.00}. I spoke to the agent stating that I did not have the money at this time, and offered a payment plan as a way to settle the debt, as stated by the agent this was not an option. As stated by the agent they offered {$100.00} off and explicitly stated that this matter would not be reported to a credit agency. At this time of XX/XX/2020, my credit score has dropped by 59 points. The tactics by the Collection Agent are blatantly a violation of the Fair Debt Collection Act. As the agent falsely made a promise they were unauthorized to do so in. As stated in the act, collection agents must be truthful regarding the debt collection process. This was an underhanded tactic to collect the debt. I am currently working 3 jobs, and these has severely affected my credit on a debt clearly settled. The collections agent has also not furnished any form of letter to prove the debt is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: NC

Complaint narrative:
XXXX and Transunion are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.

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 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare services the mortgage on my investment property. Last year I was {$1000.00} short on my escrow. I want to plan and budget in the event there is a major shortage this year so that my mortgage payments are not jeapordized. I have never been late nor have I ever missed a payment. My plans are to continue being a responsible homeowner. 

On XX/XX/2020, at XXXX XXXX Central time, I called Loancare ( XXXX ) in an attempt to get an approximate amount of my escrow balance. XXXX answered the phone. I stated my request. He said that my escow hadn't been reviewed so he had no way of calculating what it might be. I know this isn't true because moments before I talked to representatives from XXXX XXXX and XXXX. Both banks gave me the information despite that fact that my annual review hadn't been done. I shared this information with XXXX. He insisted that he could not provide a figure. I asked to speak to a supervisor. He placed me on hold. After about an hour on hold, I hung up and called back. XXXX answered the phone. I posed the same question about my escrow balance. I told her of the issue I had with XXXX. I told her that once she addressed my issue I wanted to speak to a supervisor. All of a sudden, she said she could not hear me. The line went silent. She never addressed my issue nor was my call forwarded to a supervisor. 

I simply want professional, non-vindictive, courteous customer service. It's all about meeting my financial obligations to my loan in a manner that ensures the loan is kept current.

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 2020-01-30 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: MD

Complaint narrative:
*NOTE : XXXX did send TWO checks due to the breach of my social security number. XXXX is in process. 

XXXX - CMRR USPS XXXX XXXX - Disputes - Never verified any of my disputes based off of the XXXX AND XXXX breach. 

XXXX - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by Transunion . 

XXXX - CMRR USPS # XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by Transunion XXXX 

XXXX - CMRR USPS XXXX XXXX - XXXX did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the XXXX AND XXXX breach.  XXXX knows they did send two checks to me due to their breach. 

XXXX - CMRR USPS XXXX XXXX - Second attempt to XXXX.   Did not fix, verify, or answer these inquiries.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I keep getting phone call from this company called XXXX XXXX XXXX. They call incessantly and leave treating messages such as : We will be contacting your employer to garnishing your wages ; we are in the process of garnishing your tax refund, we are going to take possession of your vehicle and such. 
I called them back asking them not to call me anymore and every communication should be done via official mail. They keep calling me using different phone numbers and threatening me. They are trying to collect an old debt which is past the statue of limitations.

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 2020-01-30 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX # XXXX and Knight Adjustment #  XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
I have NEVER used XXXX XXXX XXXX services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
CFPB I am filing a formal complaint on Citibank I had Two Citibank credit card after trying to clear up my credit report I noticed some in accuracies and violations of the fair credit reporting act as well as the fair debt practice act On Citibanks behalf and I would ask Citibank to please delete these two accounts from all four of a major credit reporting agencies Citibank no longer owns these accounts these accounts are handled by XXXX which is a third-party debt collection agency after reviewing all four of my credit reporting reports I noticed that Citibank is still reporting a balance on both of these Accounts and that is a violation of a federal law known as the fair credit reporting act Citibank are not allowed to report the balance if a third-party debt collector is overseeing these accounts I asked Citibank to delete these accounts immediately as they have affected and hurt my ability obtain anything in my name and most importantly to seek employment Per the FCRA the The consumer credit report must and I repeat must report 100 % accurate in this case Citibank again is violating the FCRA and I asked once again to delete these accounts as you have hurt and affected my ability also on all four of the credit reporting agencies I have filed dispute with the credit bureau and they keep saying that Citibank has verified this information is reporting accurately and refused to remove that erroneous accounts. These accounts are not reporting correctly and I demand again that Citibank remove these Negative informationAnd also to point out there is one more FCRA as well as the fair debt practice act Another violation on Citibanks behalf as well I have disputed this account and they have fail to Mark the credit report with the required notice of dispute there for these accounts Needs to be removed from all four credit reports see FCRA Section 623 And section 806B of the fair debt practice and that please DELETE ASAP Account XXXX Account XXXX Please send me written notification in US mail that these accounts has been deleted Thank you for your full cooperation

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 2020-01-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank NA ( XXXX XXXX Visa credit card ) debited my XXXX XXXX checking ( XXXX ) account {$7000.00} for the auto pay on XX/XX/2020 when my statement balance was XXXX ( I had previously paid it online to ensure I wouldn't go above my credit limit ). My XXXX  account went negative as a result and I was assessed a {$35.00} overdraft fee which TD Bank NA refused to pay. They also refused to electronically reverse the auto pay by crediting my XXXX account for that amount which had already been paid. I complained about this to phone supervisor XXXX ( ID=XXXX ) who refused to credit my XXXX XXXX card for the {$35.00} overdraft fee OR to reverse the {$7000.00} autopay by crediting my XXXX  account for that amount Copy/paste from credit card website : If we do not complete a transfer you authorize on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. 

For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance. 
http : //docs.tdcardservices.com/pdfs/online_servicing_agreement.pdf

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
A letter was received from a collection agency called XXXX XXXX , XXXX on XX/XX/2020. An outstanding debt is indicated for Raymour & Flanigan. Credit has never been requested or taken for this company, we understand it is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.

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 2020-01-30 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: UT

Complaint narrative:
XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
CFPB case XXXX Contacted XXXX XXXX XXXX prior using CFPB. I in turn got a responses from the group. They came to terms erasing my late payments and contacted me to make payments. No live communication was made, as they left a voicemail on my device while on XXXX. I am still on XXXX and gave my wife power of attorney. When contacted to try to get payment sorted out, they would not disclose information to her ; and I reached out to them, they had no idea of the repayment in their systems. We've left multiple calls to the woman who reached out to us, and have not received a live call back with information to pay. I have already been given a late payment message due to no payment. I would very much like to get synchrony bank out of my life.

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 2020-01-30 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/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 2020-01-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/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 non-monetary relief
Consumer complaint received 2020-01-30 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: Titanium Funds
State: UT

Complaint narrative:
Titanium Funds # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation