vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
XXXX XXXX is a small lending company that operates in my city. A few years ago, I received a loan from them, and it's been nothing but a nightmare since. 

For starters, the staff at the XXXX office has used abusive practices including demeaning me when I fall even a week behind on my monthly payment. I've been hounded and harassed by their regional managers ( I believe they're called this ) and even been threatened with action against my credit report - even when I was on time! 

I believe fees were unnecessarily put on my account, although I've been denied access to my account to prove such. The amount they purport I owe is almost as much as I borrowed - almost two years later. 

Yesterday, XX/XX/XXXX, I received an alert by XXXX XXXX that a " civil action '' entry was put on my credit report - and there are NO open cases in XXXX County, Indiana which was initiated by XXXX XXXX. This is an abuse of power to harm my credit. 

Today, XX/XX/2018, I received an alert from XXXX XXXX that a hard inquiry was made on my credit file. I have not applied for a XXXX XXXX product, and there is no permissible purpose for pulling my credit as a hard inquiry. This has done unnecessary damage to my credit report, and I will be seeking redress for this. 

I wanted this complaint on file with the XXXX XXXX XXXX XXXX. I will be seeking private counsel to take civil action against XXXX XXXX for the damages they have done 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 2018-11-20 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: CA

Complaint narrative:
I HAVE A COLLECTION FOR XXXX XXXX AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CA

Complaint narrative:
I HAVE A COLLECTION FOR XXXX XXXX AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Account was settled and closed with Harley Davidson financial services. XXXX associates is now contacting me saying that I owe them {$7100.00} Acc number XXXX My business with Harley Davidson was finished completely. No debt was owed. This company is impacting both my co-signer and Is credit score as well as there ability for a loan. It is not my debt to be paid. I need it removed as soon as possible. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am co signer for my daughter student loan, we have completed forbearance and deferment and they have sold the loan a total of 5 times to different collection agencies. I am XXXX years old and can not pay this. they have harassed me calling me all hours of the night and day. I have sent correspondence to cease and desist and they still call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018, I received a letter from US Bank stating they investigated a late payment they reported on my credit report, but in the report they made a false statement stating they had a phone call recording in which I admitted the error was my fault and that they called me. US Bank in no way ever contacted me directly. Every time I had contact with them it was me calling to figure out the issue. I want a full investigation into this and I want all phone calls I ever made to be released because I feel I am being harassed by this company when all I want is for them to remove an unfair late payment from my account that they caused by not sending me notice my account was ever late. 

Refer back to complaint 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 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX transferred my loan to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint added a fee {$1100.00}. They will not discuss my loan with me as I was in bankruptcy. They are refusing to send me any document or monthly mortgage statements for the time they serviced my loan. I sent them a certified letter on XX/XX/XXXX. No response. Shellpoint needs to remove the fees. On XX/XX/XXXX Shellpoint transferred my loan back to XXXX XXXX XXXX with these fees which I did not know exist because Shellpoint refused to send me any documents. XXXX  XXXX XXXX said the loan came in with fees and that I needed to speak to Shellpoint. Also, I did not get " Pay for Performance '' from Shellpoint per my loan modification on XX/XX/XXXX documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: WI

Complaint narrative:
To whom it may concern, I called Experian credit reporting agency on XX/XX/2018 and spoke with a XXXX, regarding my some items on my credit report. I gave Ms. XXXX all the information she requested to verify who I was, she asked what I calling about and when I asked if it was right for them to still show late payments on accounts that were no longer open she became very nasty and rude this is not the first time I have encounter this Repensentive and she was the same way. I work with the public every day and that is no way to talk to someone when I never raised my voice or said anything to her that would cause her to speak to me in that matter. Thank you 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 2018-11-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY XXXX AND XXXX  BUT EXPERIAN WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM 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 non-monetary relief
Consumer complaint received 2018-11-20 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been contacting SYNCB, who appear on my credit file as SYNCB, SYNCB/XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX   report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. And it is listed on my XXXX  report with a date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello I have applied several times to receive my 3 free annual credit reports. I have been receiving them for the past 5 years without any problem. Now 2 companies, XXXX and Trans-Union have put up roadblocks and are stonewalling me. Trans-union is claiming they never heard of me and I am using a factious address. XXXX  sent me my annual report within a week. It is only these two companies who are giving me a problem and have something to hid. They are not adhering to the law and refuse to comply with my request Cordially, 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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion poor displayed that they were charging {$20.00} for credit checking instead of a free credit report. They are not refunding the charge though I canceled within minutes of creating my account.

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 monetary relief
Consumer complaint received 2018-11-20 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
I have been contacting XXXX XXXX XXXX  who appear on my credit file as XXXX XXXX XXXX numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did I authorize or give permission. they are a result of fraud. It is also listed as a finance company within the inquiry info. 

the listed contact information I have on the company is XXXX XXXX  XXXX  XXXX Tx 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 non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
I had a loan with XXXX XXXX that has been paid off since XX/XX/2018. i have received zero communication from XXXX XXXX    to say I owed any money until this XXXX XXXX from JPL Recovery Solutions started calling non stop. Calling my ex husband, my daughters, my work HR. Lied to them saying I had released info to them when i had not. They are using aggressive tactics for a loan i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: MD

Complaint narrative:
Have submitted numerous request via mail and through online portal regarding a collection account from XXXX XXXX XXXX XXXX, it shows no balance on the account and that the account is closed. When contacting the agency they state there is no record of this account. This account does not belong to me and needs to be removed, it does not show on any other report but with equifax. They never respond to my disputes which the last one was sent on XX/XX/18 & XX/XX/18 which a response was never received. Also included on that dispute was XXXX XXXX XXXX, and XXXX XXXX which they refuse to acknowledge my disputes. I have attached the dispute sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY TRANSUNION AND XXXX  BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY XXXX AND EQUIFAX BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: ID

Complaint narrative:
I set up automatic bi-weekly payments to my mortgage lender, The Money Source. They refuse to apply the partial payment to my account. They state that they do not accept partial payments. I am aware of the huge impact that bi-weekly payments can make to my over-all interest on this account. It is extremely upsetting that they are refusing to apply money to the loan and instead placing it in a suspend account until the second partial payment is sent in. I feel as a consumer this is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2018 I had deposited {$50.00} to my account. Later I attempted to withdraw {$40.00} from the ATM at this location with my prepaid AMEX-Bluebird Card which the machine indicated to contact my bank. It did not dispense any Money to ME! I went 5 miles to a XXXX to see if I could get a cash back and was told that only {$4.00} WAS ON MY CARD I called AMEX-Bluebird which the first customer service woman said Contact the bank ''. I called back moments later and received another Customer Service representative XXXX who indicated that I should not contact the bank and their Dispute Department would handle it. '' The dispute department filed a claim which I sent the necessary documentation. 
AMEX- Bluebird Investigation reply Hi XXXX XXXX XXXX We received your recent inquiry about the following transaction : We have completed our review and have determined that no credit is due. The transaction will remain on your account because : Transaction Details : Date XX/XX/2018 Amount {$43.00} From/To XXXX XXXX - XXXX VA The ATM provider confirmed the funds were dispensed for the amount requested. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
The following occurred on XX/XX/2018. An advertisement on the online banking portal indicated I qualified for a {$25.00} gift card. The exact wording was " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  giftcard. '' After believing this to be true, I followed the hyperlinked " redeem now '' button, I was taken to a different product or service from online banking called Chase Ultimate Rewards. I attempted to redeem the {$25.00} XXXX Giftcard, and I was, in fact, not eligible. I went back to the regular Chase online log-in to see if I misread it. The same advertisement popped up again, this time for a {$25.00} XXXX XXXX  Giftcard. I repeated yet again and got an advertisement for a {$25.00} XXXX Giftcard. After clicking redeem now and taken to the Ultimate Rewards program, I was not eligible for a XXXX XXXX  Giftcard, and I was only eligible for a {$5.00} XXXX Giftcard. 

I believe this to be a clear case of a deceptive action known as " Bait and Switch ''.

The three prongs of deception are met in this instance : 1. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer.

I was misled to use the Ultimate Rewards program based on a misleading representation. My intent was to use only online banking, and the advertisement lead me to an entirely different program.

2. The act or practice must be considered from the perspective of the reasonable consumer.

Admittedly, I am not a reasonable consumer. However, the advertisement was clear and deceptive. Anybody reading the words " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  Giftcard. '' would believe they have earned a {$25.00} Giftcard to XXXX.

3. The representation, omission, or practice must be material.

This is an express claim about the benefits of Chase 's Ultimate Reserve program. This claim misled me to use a program I did not intend on using at the time. If I was ineligible for the reward, Chase should have stated that fact with the advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CIR, Law Offices
State: CA

Complaint narrative:
XX/XX/XXXX Federal Trade Commission Bureau of Consumer Protection Washington, DC XXXX Re : Complaint against a Debt Collector Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of CIR Law Offices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. 

In XXXX of XXXX, CIR Law Offices began the following practices in violation of the Fair Debt Collection Practices Act : ( 1 ) Refusing to send any documentation of the debt-payment agreement, and failing to send any validation of the debt or notice of my right to dispute the debt.

( 2 ) Attempting to collect a debt past the statute of limitations in my state.

I understand that you can't represent me in resolving this matter ; however, I would like to report their activity so that you can take action against them if you receive numerous complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have been contacting Ally Financial, who appear on my credit file as Ally Finan I numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have been contacting XXXX, who appear on my credit file as XXXX, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires date of XX/XX/2017 Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation