vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I got a loan for {$500.00} in late XXXX with http : XXXX The owner only let me spend {$250.00} and told me that I would still have to pay the full amount. 
After returning merchandise after being told I was told I couldnt end lease because he would have to send merchandise back that hes already sold. 
Im expected to pay {$500.00} plus another {$500.00} if I dont pay by the end of XXXX. I never even received {$500.00} and after telling the company I was told to sue the owner instead of them handling the issue. 
The owner texted me saying I need to stop calling because hes not canceling my lease. My credit has been hit twice, Acima is saying theyve never had this problem so Im assuming theyre taking it lightly that not only my credit is being ruined but Im also being scammed! I have an overdue balance on merchandise I NEVER RECEIVED BACK & the merchant never even gave me a receipt. I was told I dont need it to cancel the lease or do a return both sites are a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: TN

Complaint narrative:
I took out a loan with United Credit in 2017. I failed to pay after I lost my job. I was taken to court and agreed to pay {$120.00} because I was told that was the lowest I could pay a month. I called the lawyer that represents them to see how much of a balance I had left. My balance was more than when I started paying. they are charging me an interest rate of 34.5 %. I also received a letter in the mail stating that any property I buy had a lien on it already and I don't own anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Received letter from Midland Credit Management stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail. 
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at midlandcredit.com.  When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info. 
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are late payments reporting erroneously on my report. I can not understand how there is any accuracy on how they are verifying that the account is reporting correctly. Why is it that It shows 30, 60, 90 days and then goes back to reporting 30?  That is unbelievable. How can I be late up to a maximum of 90 days and then back down to 30? That doesnt seem correct to me. Not only is the late pays reporting incorrectly, they have also listed that my account was closed on XX/XX/2016. How is it that they are reporting that the account was closed on XX/XX/2016 but did not report it on my report? I am seeing other bureaus listed a different close date. This error has caused me financial damages through higher interest rates, no option to get a home even or even get a simple credit card. As a concerned consumer, I would like to be represented appropriately and not what the credit bureaus, creditors or collectors think is right.

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 2020-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL, INC.
State: UT

Complaint narrative:
I have already informed coast professional to send debt back to original creditor as I have no knowledge of this debt. I was approved a waiver to withdraw classes from XXXX and never received any funds. I am disputing this debt as a result of identity theft and fraud. Please send back to the original creditor.

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 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX STATEMENT all credits are from merchants. NO USAA CREDITS. Please let this complaint provide vaiid proof usaa is not zero liability. Furthermore USAA holds consumers liable for unauthorized transactions. see attatched CFPB RESPONSE XXXX XX/XX/XXXX XXXX XXXX. OF OUR STAFF CONFIRMS " USAA HELD YOU LIABLE THE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS OF {$470.00}. see attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS CONFIRMED AFTER INVESTIGATION. Kindly Note XX/XX/XXXX STATEMENT PROOVES NO USAA CREDITS AND USAA STAFF MS XXXX CONFIRMED XX/XX/XXXX USAA HELD ME LIABLE FOR THE {$470.00}. 
WHY??? AND THEY TRY TO COLLECT WHAT IS NOT OWED. USAA DESTROYED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
this company is reporting an erroneous mistake, this account does not belong to me, and they have failed according to FCRA to validate this debt they claim I owe with a contract bearing my signature. This collection agency is violating my rights and reporting inaccurate information per section 807-8,  please delete this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Levy by State was sent to Wells Fargo XX/XX/XXXX. Finds should have been returned. Social security funds. Wells Fargo sent funds to state without affording me the state staute of 15 days for me to respond. Lied several times on information provided to me ad well as branch managers. Funds are not returned to either state or me. It's been 6 days. Was withheld information and info changed numerous times from wells Fargo. They indicated they don't have legal or para resp just regular emploees. Was told ct is one of two states that are required to send money immediately. No policy or procedure was noted. Questioned this they came up with another lie. I have XXXX XXXX  XXXX I rely on as to live and get meds. I am broke and can not get meds for treatment of XXXX. Help

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 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Received letter from XXXX XXXX XXXX stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail. 
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at XXXX. When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info. 
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION.

THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We are supposed to have the right to freeze our credit. I created an online account with Experian to do that. The problem is that there does not seem to be a way to freeze my credit when logged into my online account as they advertise. When I login, they attempt to sell me a bunch of services that I don't want or need while simultaneously making it impossible for me to find the credit freeze function. They prominently show a fee-based service called credit lock. Which is easily confused with credit freeze. When clicking on it, it provides a button to " Upgrade to Lock your File ''. This requires payment and is deceptive as the meaning of " lock '' and " freeze '' are similar. 
They do provide a phone number, and I will admit that freezing my credit using the phone number was remarkably easy.

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 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank 's policies are putting customers at increased risk of Coronavirus. Further, they are giving conflicting information on credit card application statuses. Both are unacceptable. TD Bank requested additional information on my credit card application for their Cash+ card. I called in and they said that I needed to appear in-person in the branch with ID within 45 days and my card would be approved ( I would encourage you to listen to the call I believe it is on XX/XX/XXXX ). That was fine. I found it concerning when after that call I received a letter telling me that my application was fully declined due to an inability to verify my application ( even though I'm an existing customer ). When I called, I was again told that I needed to go into the branch but was told that my application STILL MAY NOT BE APPROVED, AS OPPOSED TO THE FIRST AGENT THAT TOLD ME IT WOULD BE APPROVED. At a time when we are social distancing for Coronavirus, if my application will be declined anyway, TD Bank should not be making me go into their bank. Further, they should not be giving me conflicting information. To make matters worse, the supervisor I spoke with on XX/XX/XXXX insinuated that I was lying about being told the card would be approved saying the other agent never told me that. This is defamatory and incorrect, I would again encourage you to listen to the last call. " America 's Most Convenient Bank '' seems to have long hours but no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
On XX/XX/2020 I initiated a phone inquiry about refinance options through Amerisave Mortgage Corporation and spoke to XXXX XXXX. He started the conversation by asking me to provide my social security number and few questions regarding my financials, so that he can better assist and provide a more accurate quote. Amerisave was the third company I contacted regarding a rate quote, so I authorized him to use my SS number for a more accurate quote. After answering all of the financial questions, he concluded with a proposal. After receiving the information, he was aware I still needed to call my bank to see their rates, and talk to my husband. We agreed to revisit our conversation in two business days, on Friday, XX/XX/2020, at which time I would have an answer. The next day, I talked to my husband and then to my current bank, and decided to move forward with my bank ( XXXX XXXX ) and start the application process with them. 
XXXX called at the scheduled time on Friday, XX/XX/2020. Right away I told him I decided to go with my bank and declined his offer. 

On Monday, XX/XX/2020, I received an email from Amerisave Mortgage Corp. Thanking me for starting a loan application with them and provided a link for disclosures and a list of documents that I needed to submit. I never authorized or consented to starting an application, nor was I aware of it. I immediately sent an email, and filled out a survey. His reply never addressed why he started the application in the first place. He did state that it was closed but I am unsure of how to confirm this. I also am not sure if this effects my credit in any way, shape or form. Within a week, I submitted an email to their general inquiry address, I never received a call or email back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: NM

Complaint narrative:
Continually receive calls from Sequium declaring an attempt to collect debt. They wont say what the debt is for or give a name of the person they looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
A year ago I had a problem with a phone that was stolen from my porch when XXXX delivered it. XXXX paid HSN for the phone, and HSN too it off my bill. I also had a service plan with HSN. They returned the service plan, too. My bill got down to {$780.00}. The next month it was {$1000.00} and they lowered my available credit and took back an increase they had given me. I have not been able to purchase anything from them in about a year and my account has not gone down. I have never missed a payment. Well, one month I forgot to pay and doubled up the next month. My bill is still the same as it was a year ago, in fact it is higher. As of now, I am locked out of my HSN account. I believe to stop me from gathering the information I need to make this complaint. They are trying to get me to pay for a phone that I do not have!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.

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