vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: MN

Complaint narrative:
on XX/XX/XXXX I was at XXXX XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

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 2020-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I called the company on XX/XX/10 and spoke with XXXX. I called to find out the pay out for my loan. She advised me that {$490.00} was the pay off as of XX/XX/10. I advised her that I would pay it but she stated they charge me a 5 % fee ( even though my payments were on auto payment with no fee ). I asked why I was being charged a fee to pay off earlier but not if I allow auto payments to clear. She stated they waived fee for payday payments but not for additional payments. I asked if I were to pay cash in person if I could do so. Was advised yes. So I asked if I could put in the drop box would I have to pay additional fees. XXXX advised me that the interest accuses daily and if I dropped in the box on XX/XX/10 I would not pay the additional day. I sent my husband to drop in the box on XX/XX/10 at XXXX pm. I reached out to the company to follow up and ensure they received my large payment. I spoke with XXXX who advised me that I have a balance for an additional day of interest. I advised that I spoke with XXXX and she told me I would not be charged as long as it was dropped in the box by the XXXX. XXXX reaches out to her supervisor who told her they would waive convenience fee of 5 % but I was still responsible to pay the interest. If payment was not paid on interest, I would continue to accumulate interest on the interest. I asked XXXX to have her regional manager call me. XXXX called me and apologized but stated they would not waive the interest and she would listen to the call. She stated I would accrue interest on the interest daily if not paid. I called XXXX back to pay the balance but this is not the first time I have been advised one thing and than have to pay additional fees because of misinformation. I want my additional day of interest refunded as XXXX told me if dropped in box by 10th no  additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: NY

Complaint narrative:
Im a resident of NYS. Per NYS laws, personal loan institutions are not allowed to charge more than 16 % interest per annum. On or about XX/XX/19, I was having financial problems and applied for a loan through XXXX XXXX. Avant offered me a loan of {$10000.00} ( ID # XXXX ) payable in 24 installments automatically deducted from my bank account for {$570.00}. Approximately {$500.00} was kept by Avant and I received around {$10000.00} of the {$10000.00} loan. After making a few payments, I noticed that my principle wasnt going down. On Thursday, XX/XX/XXXX, I called Avant and asked for my interest rate and my daily percentage rate. I was told that my interest rate is 32.95 % and my DPR is .07569863. Neither of those rates include the approx. {$500.00} kept by Avant. When applying for the loan, I wasnt told there would be a DPR or that the {$500.00} they kept wasnt included in the interest rate. I also wasnt aware that NYS limits the amount of interest that can be charged and possible criminal usury laws. It may have been in the fine print but the loan contract was so long and small print and difficult to read and I can not find a copy of the original contract on my online account. I believe in addition to violating NYS laws, Avant is also using predatory lending practices and targeting individuals who are in financial distress. As a XXXX XXXX woman, I am also a minority. I havent missed a single payment. I believe Ive made 8 payments and most of those payments have gone towards interest, not principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: The CMI Group, Inc.
State: IL

Complaint narrative:
XXXX XXXX reported me to a collection agency ( Credit Management/CMI Group ) in XX/XX/2020 after I disputed a cancellation of service date and subsequent charges. I was never notified I was reported to a collection agency. My account with XXXX up until that time was spotless, as is the rest of my credit report. 

Additional History : After settling the dispute and making a final payment to XXXX on XX/XX/2020, I thought the matter was closed. I applied for a line of credit in XX/XX/2020 and noticed that my credit score was much lower than usual. I investigated and noted that XXXX had turned my account over to Credit Management as noted. I contacted Credit Management but was told they could do nothing unless XXXX called them and canceled the collection request - they did not offer to contact XXXX directly. I subsequently contacted XXXX XXXX, and the gentleman XXXX XXXX XXXX that was initially assigned to my case, multiple times and never received a call back. On a subsequent contact, I was referred to a department that told me that XXXX never refers accounts to collection agencies and would/could not help me further. 

With a final attempt at contact with XXXX XXXXCMI Group, with the XXXX XXXX XXXX listening in with an extra phone, a manager at XXXX XXXXXXXXCMI Group ( XXXX XXXX - she was very helpful ) stated she would cancel the account with XXXX and notify the credit bureaus to remove the derogatory report from Credit Management/CMI Group. 

I went into my XXXX XXXX Credit Report on XX/XX/2020 and the Credit Management negative report is still there, unchanged. 

I am getting ready to apply for a new home mortgage soon and need this reference removed as quickly as possible in order to improve my credit rating and credit score. 

I am very concerned about how XXXX treated me ( which I think might be illegal ), and concerned that Credit Management chose to report me to the credit bureaus without seeking my input. Do they have the right to do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020, Experian removed 2 accounts from my credit report. This has decreased my credit score from XXXX to XXXX, putting me in the " good '' area instead of the " very good ''. 
I had initially disputed these accounts because I had originally thought that they weren't mine. But I later realized that they were mine. However, the damage was already done, and the accounts were removed, causing my credit score to decrease. 

I would like for those 2 accounts to be added back on to 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 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank was notified many month 's ago that I was a victim of Identity theft. Citibank, Was given an FTC Identity Theft Affidavit, Which clearly explained the crime. I am a victim, not the criminal. Citibank refused to assist with the investigation, even though citibank themselves confirmed that the credit cards they sent out. Went to an Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Which I have never lived at. Citibank, never provided a response and citibank never investigated nor closed the fraudulent account ( s ).  These were opened by an identity thief using stolen identification documents. Which were in my wallet when they stole my wallet, and then proceeded to use my identifying documents. I reported this to the police, and to the FTC. Which is taking action to find the criminals. However Citibank is now attempting to file a Claim against me in a court of law for a Judgement for Debt that IS NOT MINE. The debt is the same credit card in which citibank was advised was fraudulent. I do not have any accounts, Nor have I ever done business with this banking institution. Per LAW they have to send me confirmation PROVING said debt, if they are attempting a judgement on the fraudulent debt. Again, I never signed any application, I have never received any credit cards from the company at all. I have not received any monetary benefits from said credit cards, bank accounts, nor personal loan or Line of Credit. These are all accounts that CITIBANK ALLOWED TO BE OPENED AND APPLIED FOR, WITHOUT MY CONSENT. The Hard Inquiries, that resulted from these accounts were deleted with the credit bureau, XXXX The Accounts were deleted and blocked from all 4 Credit Bureaus. Yet, Citibank is attempting to collect on the fraudulent debt, KNOWING it was fraudulent debt. I want this company reviewed, as they aren't following the FCRA, They aren't following the FAIR DEBT COLLECTION ACT, They aren't following the laws applicable to the state of Texas. I will report this to the Texas Attorney General as well. This is harassment, they have not even provided me with statements or anything from these accounts. They allowed a Fraudulent Email address XXXX, To OPEN THESE Accounts. I do not have access to their online site because again I DID NOT AUTHORIZE Any Applications, nor accounts with Citibank NA. This is fraudulent debt, and I will not pay said fraudulent debt.

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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In 2012 because of a job loss I struggled to make payments on my Citi Cards credit card. Phone number XXXX. As of XX/XX/2012 the balance was {$8000.00}. The account was sent to collections in 2012. I have been making payments monthly without fail since 2012.The current balance is {$5100.00}. For the last 5 years I have asked the company to send me statements of my payments and the balance. They have notified me on several occasions that they can not and will not send me statements. To get my balance I have to call them and take their word that the amount due is correct. 

I would question the legality of this problem.

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 2020-07-11 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
On XX/XX/2020, I filed a complaint against Kia Motor Finance ( KMF ) also doing business as a part of Hyundai Capital America. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need KMF to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' KMF did NOT correct the erroneous information reported to the credit bureau ( s )  which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on KMF to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX  account and received notice of the error. 

Please help, again. 

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 2020-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
I was denied a loss mitigation package and was not given the option to appeal. My package was denied XX/XX/XXXX and my home was sold XX/XX/XXXX. I was required to turn in the same documents over and over again and turn in a new loss mitigation package after they said the one I turned in was not complete when it was in there system and consider facially complete. They also took over 30 days to evaluate the completed package.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I have disputed and requested investigation through XXXX  credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). XXXX  and XXXX XXXX XXXX  has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor HSBC acct ending in XXXX is showing a balance of {$510.00}, which HSBC had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX XXXX ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX  credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( HSBC ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and XXXX  credit reporting Co for illegal re-aging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I have disputed and requested investigation through Equifax credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). Equifax and XXXX XXXX XXXX  has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX   XXXX  ) continues re-aging an erroneous first delinquency date that should have been deleted from my Equifax credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and Equifax credit reporting Co for illegal re-aging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX to access my credit ratings. SInce last 4 months, i have not been able to get my credit report due to issue with access to " equifax ''. They directed me to Equifax, who repeatedly state all is fine. But i am still unable to get the report. This is concerning for me as i am likely to purchase a house and will need credit ratings. I cancelled my XXXX subscription and got directed to wrong numbers from Equifax to escalate the issue after several attempts. Now i am finally seeking support from CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I contacted the company in XXXX. No response. I sent checks in XXXX and XXXX. In XXXX they returned my checks. By not applying my payments, they assess additional charges making it more difficult to correct. The collateral is double the debt. They are working to take my home. I'm elderly and have XXXX. No one to talk to as they only do computers. Refusing payment is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FTC Violations XXXX XXXX  {$48.00} XXXX XXXX  XXXX {$2400.00} US Department of EDU total {$3700.00} XXXX XXXX XXXX USDOE/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
My unemployment is deposited on a government issued MasterCard. My finance company doesnt accept payment from cards. I searched and found how to transfer money to my bank account. It worked the first time, when tried second time option wasnt there. Searched, read through their fine print, found out how to do it by phone. Third time option is no longer there. They have a 800 number that doesnt give you the option to speak with a person. There paperwork gives you a number to resolve with the Consumer Fraud Protection Bureaus that is fraudulent ( 1-855-411-2372 ), when you call and sit through fifteen minutes of commercials they give you some 411 service. I have money and cant pay my car note, when I try using an atm, they will only allow me to withdraw XXXX and then charge me XXXX dollars, and thats not enough to pay car note. Id like assistance with getting these people to unhand my money. There paperwork says they can charge me for not using my money, then they say I cant get a jury trial, I never agreed to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data

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 2020-07-11 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Im XXXX XXXX XXXX XXXX. I went TDY on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed.

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 2020-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data

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