vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
After applying online 4 a short term installment payday loan we were contacted by someone named XXXX XXXX posing as a representative of Speedy Cash saying that we were approved for {$3000.00} loan. We were supposed to receive the money within 24 hours of giving him our bank account number which we gave him our account number and routing number then he asked for our online banking username and password. When I obtained the information I was unable 2 retrieve his number from my voicemail so I went to the company 's website and call the number listed. I spoke with a customer service rep by the name of XXXX that informed me we were not in their system so I hung up I made a point to retrieve the voicemail that I received from XXXX XXXX and I proceeded to call the number he listed. I first called him blocking my number and it went to voicemail after the second ring then I called back with my numbers visible and he answered stating that he was XXXX XXXX with Speedy Cash and how could he help me. I asked for someone XXXX XXXX name and he just sat there on the line and eventually hung up after my fourth time of asking for a random person. I then called Speedy Cash buy the number listed online and I was informed that this person is a scam they are not out of Washington they are out of Kansas and then I proceeded to ask for the fraud department from which I spoke with XXXX who made a report and advise me to file a report with the FTC consumer XXXX and to contact my bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2019 went to check my card balance in it was told to me by the automated system that a new card was mailed out to my address on XX/XX/2019 and that i should receive a new card in 2- 3 business days and then it hangs up. I tried to contact a live person but it would nt let me so I called Social Security informed them of the situation in as i was doing so i was look at my online statement were it stated my check had been deposit on to a different card then the one i had on me in that on XX/XX/2019 at XXXX XXXX someone had did a ATM withdraw of {$900.00} call all numbers to direct Express   and they just keep asking me for my socail and transfer me to different people and hang up. This has put me and my family in a crisis situation not being able to pay bills in receiving letter to vacate due to no payment of rent in other utilities, .As a customer i feel that this company has failed to provide me with the services that they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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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 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I've had a mortgage with Ditech ( formerly know as XXXX and GreenTree ) with the first payment due in XX/XX/2000. I've been paying my payment on time and within the grace period for over 19 years. This company has consistently misapplied interest and principal payments. 

There are over 100 payments were {$0.00} was applied to the principal. There are over 150 payments were the principal+interest+escrow+other are less than the payment. ( this account does not have escrow ). ( Payment History Attached ) Total Loan Amount : XXXX APR : XXXX Monthly Payment : {$730.00} Term : 360 months

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Bait and Switch In XX/XX/2017, I applied for an auto title loan because I was in need of medical care and needed money to pay for the medical care. I received multiple offers and selected WCC ( Wilshire Consumer Credit ) because I liked the sales agent. I received a lower interest rate from another company and because I felt I could trust Wilshire Consumer Credit, I gave them the change to earn my business and they did in fact counteroffer with a lower rate and payment. 

Unbeknownst to me, WCC increased the interest rate and payment they quoted. 
They did a bait and switch. I contacted the agent as soon as I realized it. She never responded to me again. 

When I finally got of treatment, I called and complained about the loan terms being switched and was told " Too bad, it's too late now. '' I didn't understand that this type of loan would cost me so much and I wouldn't be able to pay the principal. In fact I was discouraged from making larger payments. I asked for copies of my loan docs and they never sent them to me. 

Each time I complained about the terms and my suspicion that this loan wasn't even a contract because I never agreed to the different terms, I wasn't taken seriously. In fact, the most recent time they tried to get me to refinance into a new loan which would be valid. 

Calling from local numbers WCC has been calling me from XXXX phone numbers, which is my area code. Their company is not in my area. They have been continuing to call me from disguised local numbers. 

Unauthorized Contact of My References My references have also been receiving suspicious phone calls from XXXX numbers that occur when I am late on my payments ( which I have been often because of the higher payment amount ). 

Damage to My Credit Because of the deceptive loan and bait and switch and my stress over the loan and illness shortly after I took out the loan, my credit has suffered and I am now struggling to finish school because of difficulty qualifying for student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This account does not belong to me. I have been disputing it for a while. I have attached my id theft report please remove this account. I am a single, struggling, middle class father. This account has caused me a lot of unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: Conn's, Inc.
State: TX

Complaint narrative:
Updated CONNS CREDIT CORP Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Hide Details After Before CONNS CREDIT CORP Account Name XXXX Account Number Secured Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$2500.00} written off. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$3100.00} Original Balance {$0.00} Highest Balance 30 Months Terms {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount I have try disputing this item with conns numerous period of time someone went into they store a location thats no longer open someone working for them let someone used my information after my wallet was stolen and get items in my name which was fraud i fax over the police report to conns coporate got no response but they written the account off but they still reporting it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please know that I was not late on the mentioned accounts here.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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 2019-05-31 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: Ray Klein, Inc.
State: LA

Complaint narrative:
1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date. 

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX HOSPITAL ) 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 2019-05-31 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX Creditor : 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 2019-05-31 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2019-05-31 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: AZ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: MA

Complaint narrative:
There are a few inquiries that were placed on my credit report on Different dates by Synchrony bank from SYNCB/PPEXTR that has an inquiry date of XX/XX/XXXX and SYNCB/QVC that has an inquiry date of XX/XX/XXXX and another inquiry from SYNCB/TJX DC that has an inquiry date of XX/XX/XXXX and another one from SYNCB/DKS that has an inquiry date of XX/XX/XXXX and another one from SYNCB/AMAZON that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.

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 2019-05-31 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: TX

Complaint narrative:
Equifax refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
A company called Convergent has repeatedly called me several times over the last few months and not answered when I pick up. XXXX. They have called me at different times of the day, a few times at XXXX. I have no debts at all and can't understand why they keep calling me? I have in previous years experienced debt collectors asking for someone that is not even me! I have not been answering them recently and left my answering service on, but still no messages are left. It has become annoying! I did set my caller ID to hide my call this morning and got through to the Convergent company ; All I heard was whether I was XXXX XXXX? But I am not! Obviously there is someone out there using my phone number to avoid debt collection.

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My name is XXXX XXXX. During the year XX/XX/XXXX, an account was opened with TCF bank in Florida reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency XXXX XXXX. In XX/XX/XXXX, I, XXXX XXXX, opened an account with TCF bank in XXXX Wisconsin from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XX/XX/XXXX, a payment was made by my bankruptcy trustee to TCF bank   for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, XXXX is double reporting the TCF accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with TCF and currently have an open account with them. TCF has updated their accounting, however, XXXX refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It is XX/XX/31. I am traveling abroad ( notified my bank prior ) and I tried to access my account online, with no success. I then tried calling the international number ( though I have to pay for the call from my phone in any case ) - one hour wait time. I then tried calling the regular customer service number - one half hour wait time. I tried to do chat - but they require login first ( which I can not do ). I looked for email - this also required login first. 
This is too difficult from abroad. I am not able to access 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 non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The Following Credit Inquires are on my Transunion Credit report and I did not Aurthorize them and have spoke to Transunion on this several times and they said they would remove them and have not. 

The Inquires and Dates National Debt Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX 2 Inquiries date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/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