vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ZARVAD III S.A.
State: NV

Complaint narrative:
I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ZARVAD III S.A.
State: TX

Complaint narrative:
XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Account was closed by myself due to continuous fees on account. Nothing owed. zero balance.

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 2016-02-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I 've been online for months on months, shopping around at different dealerships, auto sales places, auctions looking for a car. I do n't have a car or any XXXX family around, all are 2 hours or more away from me. I have been back and forth with my parents about getting a car so that I work and graduate from school. I finally saved up money and came to an agreement with my dad and he put up some money as well for me to get a car so I can get to my 40 hour a week XXXX and my XXXX hour a week job so that I graduate and pay all my bills. I have day in and day out doing the best I can trying to live right working full time, going to school full time, still trying to have life riding the bus depending on my friends for a ride. How stupid could I have been ; but I 'm so tired and I 'm desperate. I was taken advantage of I saw a post online on XXXX for a car and I responded. I got all the information and details and pictures of everything. The terms and conditions were sound to me, too good to be true as I came to find out. From the conversations I had with this person to the research I did on their XXXX page and XXXX XXXX I felt secure. I held up my end of the deal and followed the instructions given to me to provide payment via XXXX. Thinking back I was n't thinking straight I was n't thinking at all. I was told my payment confirmed and went to check and make sure that it still had n't been taken because that was n't the deal until I received the vehicle. I was instructed to wait for more information on the delivery and was told that I needed to provide more money to insure my delivery. My worst dreams were realized I immediately called XXXX who gave me the run around I eventually found out I was a victim of fraud. Hung up and immediately called the card company and was then told that the cards were as worthless as lost cash. After begging for their help I was told that the cards were used to purcashed items from XXXX and after cutting the cards off filing fraud theft stolen I cried and cried and cried some more. Then I called XXXX and spoke to the unknown charges department and they found the charges and were able to freeze the charges close the accounts. They told me to contact the police, contact my card company I did both and went back all the way to where it started contacted XXXX, XXXX, my dad, XXXX, XXXX XXXX XXXX, XXXX XXXX. I needed to make sure I covered all my bases notify everyone gather all my information for disputing these charges and getting my money back to me. A process I was told could take up to 60 days or longer. Perfect timing it 'll be time for me to be finishing up my internship with exactly enough hours and hopefully graduating. Pray for me. Please help me bring whoever did this to me to justice this is not right they ca n't get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
XXXX in XXXX Kentucky reports that Chex Systems is reporting XXXX accounts opened in my name in 2014 with XXXX XXXX XXXX which have been charged off.I did not have accounts with XXXX XXXX XXXX.Identify theft and fraud are clearly an issue that have had devastating effects on all aspects of my life.As a natural born United States citizen I have always presumed I was protected from fraud and identity theft.The recovery process as defined by the FTC for victims of identity theft, like myself is literally exhausting and a full time job in and of itself.

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 2016-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland funding llc is continuing to report a debt from XXXX XXXX that was fraudulent and they are also reporting false information to the credit bureaus by showing a XX/XX/2014 collection date, which is not the original date the card went into default from the fraudulent activity.By doing this they are in violation of the FCRA and FDCA and other numerous state and federal laws that prohibit these collection tactics by re aging a date or showing the wrong dates to make it look for negative and impactful toward a consumers credit score.This has caused numerous issues with me getting turned down and higher interest rates from other creditors, I have had numerous lawyers attempt for to act against debt collecting company as this one for these violations of the FCRA XXXX FDCA and TPA as well that I had a problem in the begining, I had decided not to do so hoping the company would comply, since I able to sue for damages per violations and monetary damages as well, Which is not what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XXXX/XXXX/16, applied for a credit line increase on my mastercard account with Barclay USA. I received a denial letter dated XXXX/XXXX/16, this denial letter reflected an incorrect credit score, incorrect denial reasons, and was outdated back to XXXX/XXXX/16 ( over XXXX wks ). Barclay claimed they received this credit information from XXXX. On XXXX/XXXX/16, I got my annual free XXXX credit report, report reflected the opposite of what Barclay USA Mastercard Services claimed. On XXXX/XXXX/16, I contacted XXXX, rep " XXXX '', verified no negative information on my credit report and gave a XXXX point increased different credit score than what was reflected in Barclay 's USA letter dated XXXX/XXXX/16 to me. On XXXX/XXXX/16, I then contacted Barclay USA, rep " XXXX '', questioning the incorrections & not current credit information & score. I additionally asked why my statement which was due on XXXX/XXXX/16 was still not processed nor was there interest fees correctly updated & reflected. " XXXX '' asked to " hold on '' so she could get her service manager on the phone, " XXXX '' then transferred me instead to XXXX, rep " XXXX '', who also again reflected that Barclay USA written claim denial of credit information & score was inaccurate. I then asked XXXX rep XXXX for written XXXX credit report be sent to me due to Barclay 's credit increase denial for written verification directly from them, in addition to my free annual credit report obtained online on XXXX/XXXX/16. My complaint : Barclay USA Mastercard Services Company appears to be in violation of the " Fair Credit Reporting Act '' & using " Deceptive Credit Consumer Tactics '' with utilizing " outdated '' consumer credit information & inaccurate credit scores in their business letters, and additionally deceptively trying to pass the " blame '' on to XXXX Credit Bureau in the process. Please additionally note, that in XXXX 2016, my original Barclay Mastercard, a CHIP card, was breached, ID theft and fraudulent charges occurred. My local police department report was made and Barclay reissued me a " new chip '' card/mastercard. It appears there is some deceptive business practices ensuing with this business.

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 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
A friend urged a borrower to call me because they wanted a second opinion on a loan process. ( I am an XXXX in XXXX and XXXX ). When the borrower explained her story, I told her the transaction was illegal, and I specifically told her why. 
XXXX XXXX of Movement Mortgage in XXXX is her LO in question. The borrower is purchasing a home with her step dad as a co-borrower. During the application process, the borrower explained she will be renting out rooms in the new home. After she gave me all of her income and application information, I explained she qualified for FHA, but not Conventional. Then she remembered, and said, the MLO, XXXX XXXX said if her step dad and Mom could produce a lease to rent out their home ( within the same city ) that the rent could be used to help them qualify for the Conventional loan. ( Yes, could, if following guidelines ). However, he sent the borrower a lease contract and told her to find someone to sign it. I informed the borrower that a mortgage loan must be honest and that by filing fraudulent information and documents could be mortgage fraud. Not only for her, but her parents, the people who offer to sign that lease contract, the MLO, and possibly the Realtor. I told her I could help her with the loan in the honest way, but only with FHA. When I spoke with her again, I further told her that the conventional loan and renting criteria should have the homes over XXXX miles away, but if there truly were circumstances, and truly the parents were moving in, then she may be able to get that approved with him, but again, told her she is going to need to document the truth. But to pretend, to file, and to move forward in a fraudulent manner could get her in big trouble. She said she spoke with XXXX XXXX about this, and still felt he could do something to make it OK. She said he and the Realtor were now going to give her a gift card also to work with them together ( Sounds like the Realtor and him should share a prison cell ... At least the gift card is legal. ) I was previously a XXXX XXXX and I have never seen more corruption than in this industry. Perhaps I should be a mortgage cop! I do n't mind not being chosen for loans that will get everyone in jail, but I am truly tired of seeing it happen. This is not the first time Movement Mortgage has hit my infraction radar, just decided it is time to start reporting people to someone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank NA refused to approve a Citibank Credit Card ( Costco Private Label ). I contacted Citibank directly. I was incommuication with a XXXX XXXX on XXXX/XXXX/XXXX and was told to put a appeal on the incorrect deliquent from XXXX. Received a letter of Credit Decision. Citibank used XXXX as there provider. There was a error on my report and was corrected by XXXX and the Deliquent item was removed on XXXX. I called Citibank on XXXX/XXXX/XXXX asked for approval and was denied again. Attached is the letter from Ciitbank. I spoke to XXXX XXXX XXXX from the Office of the President on XXXX XXXX XXXX stated " Once the Deliquent Account is removed on Experian than the Credit Card would be issued ''. Now Citibank is changing there story and found another avenue to deny the Card. XXXX XXXX made several remarks that are contrary to the decision denials. 

I am asking the CFPB to fully investigate Citibank NA on there deceptive practices on Credit Approval for a based upon misleading statements from the Office of the President and Risk Management from Citibank NA. 

Application Number XXXX XXXX MD 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 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Collector called number OTHER than my number ( husband 's business cell ) and disclosed amount, nature of bill AND who bill was for to party other than myself. First began by saying they were wanted to verify employment ( I have worked for him in the past ), then wanted to verify address, then tried to verify number. When soc security number verification was refused and asked what this was in regards to, they released the amount, nature and biller to someone other than myself which is in violation of law. They also blocked their number which is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My complaint is in regards to the Synchrony Bank/Wal Mart account in which the business is currently reporting the DATE OF FIRST DELINQUENCY as XXXX per XXXX. The reports provided as attachments clearly show something different. Please, see the attached reports. Per the 81-month history for this account on all the credit bureaus, the first 30 day delinquency occurred in between XXXX - XXXX. Those areas have been highlighted.

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 2015-08-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it. 
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned. 
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}. 
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause. 
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself. 
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date. 
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that. 
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''. 
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me. 
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing. 
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XXXX of 2015 I had made a mistake with a credit card, made a payment in XXXX 's cycle, ( thinking I was making a card payment for XXXX ), they cut my credit line to about {$5.00} what I owed, and now they cut my credit line well below what my balance is now. I do not know what to do, because I do not have the money to pay what they are demanding. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
EVERY Month I get locked out of my account online. EVERY month I have to call customer service, EVERY month I am told I have to wait XXXX hours to unlock my account and change my password. EVERY month I change my password and again get locked out of my account. Customer Service is NO HELP AT ALL.

Company response to consumer: Closed with explanation