vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
In 2012 I had a family emergency and applied for a payday loan I heard the advertisement on the radio with the company Cash Call. After providing my personal information I was approved for {$2600.00}. I was in distress and had limited alternatives and at the time I did not fully understand the terms and ultimately was not able to repay the loan as Cash Call terms required. Turns out the loan was interest only throughout the term of the loan and required me to pay very high interest rate over the term of the loan for many years without any reduction in the principal loan balance. The high interest rate of 90 %, was oppressive loan terms, protracted repayment time made it impossible to pay. Cash Call radio advertisement misled me and I was victimized and setup to default. The outstanding principal balance is barely reduced and they continued to add late fees, and insufficient fund charges. After I fell behind in payments Cash Call began coercive collection calls to me demanding payment. 

Cash Call made frequent and repeated harassing telephone calls to me, my place of employment, multiple times a day, for days or weeks in a row, demanding payment. Cash Call used aggressive tactics, including abusive tone and language, harassing tone and language. 

Cash Call reported this loan to the credit bureaus and with my inability to repay the loan at an interest rate of 90 % it has impacted my credit and it is reflected in Background Checks that continues to negatively impact my ability to gain employment leading to another obstacle impacting my ability to repay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: PA

Complaint narrative:
There is an account listed on my credit report from Experian, XXXX XXXX XXXX XXXX XXXX. that is listed as being discharged through a bankruptcy that Experian swears I have and refuses to investigate the validity of it. The XXXX account was never discharged through a bankruptcy and Experian refuses to change the status of this account. They are completely disregarding my rights under the FCRA and the CFPB will not assist me in these matters. I recently filed a complaint again about Experian refusing to provide me the proof they have of a bankruptcy in my name and the CFPB marked it as a duplicate and closed it. The XXXX account was never included in any bankruptcy and there should not be a bankruptcy listed on 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 2018-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit reporting agency did not remove 2 inquiries off my report that are now over 2 years old. The removal date was supposed to be XX/XX/2018. I just viewed my current report and both of them are still on there. I tried to call experian today but was unsuccessful in reaching an agent.

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 2018-08-14 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: U.S. BANCORP
State: FL

Complaint narrative:
The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached US Bank just added this last year.

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 2018-08-14 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: FL

Complaint narrative:
I have more than one inquiry in my report from load car finacial that I do not know

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 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Sometime in the Month of XXXX we called Citi Card to see how many Thank You points we had. At that time we were thinking of taking our kids to XXXX XXXX for a night. When we called we were told we had no points available. We requested to be transferred to the correct department for explanation. We were told that due to our delinquency we could not use our points. We informed them that we had not received a bill and that is why no payment had been made. After being transferred 5 or more time we finale were told that we did not receive a mail statement because the account was changed to email statement. 
At NO time did we ever requested our statements to be switched since my husband does not pay the bills ( I pay all of bills via paper ). After hours on the phone they were unable to tell us WHEN or HOW this happened. We requested that the error be corrected before it was to be sent to the credit bureau and to switch us back to mailed statements. After that call we we took all our money off of Citi Card and transferred it to XXXX. It was the most horrible experience. At this time we had sold our home and were living an apartment and we knew we could not have anything on our credit report due to our upcoming house settlement. We were notified on XXXX by our mortgage company that our credit score had dropped over 100 points due to Citi Card reporting one missed payment. Since then we have called and spoken to  several employees who have lied and not documented the conversations. We were told that a letter was being mailed of to us and it never was. The letter was to state that they will be contacting the credit beauru and making the correction to our credit. We called back two days later to see if it was mailed and we were told nothing had been done or documented regarding this request. All our mortgage company needs it this letter so we can settle on our home on XX/XX/24. Due to their error, lies and incorrect and NOT documenting our calls we may lose our home!!!!

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 2018-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached XXXX XXXX  just added this last year.

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 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Atlantic Credit & Finance, Inc.
State: WI

Complaint narrative:
Received a letter on XXXX2018, regarding a debt with XXXX XXXX XXXX XXXX, Contacted Atlantic Credit and Finance Incorporated, XXXX. XXXX XXXX XXXX, VA XXXX. XXXX AFC : XXXX Account Number : XXXX Called : XXXX XXXX XXXX Current Servicer : Atlantic Credit and Finance Inc. 

When calling, I was transferred to several people with in the Credit and Finance group to settle a debt, the employee stated this was an attempt to collect a debt, then I was placed on a brief hold and transferred to a representive. 
I was ask a brief couple of questions regarding the debt and answered the questions in regards to the letter sent to my home by Atlantic Credit and Finance Inc./ :  XXXX XXXX XXXX . 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
o What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I answered the question several times, repeating the answers and then asked to settle the credit card debt, as instructed in the written letter sent by this said firm. I was then transferred to a manager and the same process was repeated. 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I then became upset and requested a settlement of which I was denied, and I hung up the phone and called our family lawyer the firm is not willing to settle a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: MD

Complaint narrative:
30 days ago I mailed a letter to Experian asking them to verify the collection items on my account. Specifically, XXXX XXXX XXXX {$410.00} acct # XXXX and XXXX XXXX XXXX Acct # XXXX. 
According to the FCRA section 609 via physical verification. I asked for verifiable proof as in a contract that I signed. 

Experian was NOT able to provide proof- the accounts have NOT been removed from my credit report. 
I also asked that they remove incorrect spelling of my name, incorrect phone numbers and incorrect addresses. The incorrect items are still listed.

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 2018-08-14 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On numerous occasions I've reached out to chase to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and XXXX Unauthorized Inquiries via Chase Bank on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from Chase to remove these as they are still being reported on my credit. I reached out 3 times now to have Chase remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a Chase CC in XX/XX/XXXX, Chase Bank Called me personally fist to verify that it was I who submitted the application. Not only has Chase not corrected this but they have admitted fault and are passing the buck. Chase Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon Chase and goes against normal company standards and protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: TX

Complaint narrative:
XXXX Is a previous complaint opened on Equifax for not updating credit card balances and payment history. Now they havent reported my car loan since XX/XX/2018 which is incorrect. My payments have been on time for the last 7 months but they have not reported the same which is impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I requested to pay off the loan in one payment which would result in the cheapest pay off result. However, when the automatic pay off amount came out m account it was for a XXXX when it should have been XXXX $ which is the {$500.00} i borrowed plus the XXXX $ fee charge for borrowing. I called to correct the mistake. And when i asked for the pay off amount it was {$850.00}!! I asked to speak with a manager to listen to the call i placed when i requested the loan and was instructed i would have to pay the XXXX $ as the call stated i requested the one time pay off but was instructed to call back to complete that arrangement. I am not paying that amount when i ask to pay on ly the lowest amount a fees.

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 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for the Capital One Quicksilver credit card during the second week of XX/XX/XXXX. 

On XX/XX/XXXX, I received an electronic letter ( to be attached ) declining my application, for the stated reason that one agency ( XXXX ) indicated that I had insufficient duration of credit.

On XX/XX/XXXX, I wrote a letter ( attached ) to Capital One appealing this decision, attaching my current XXXX credit report ( also attached ) which clearly reflects the fact that I have had the same credit card ( XXXX XXXX ) since XXXX as well as a mortgage in good standing with XXXX since XXXX. 

I received a response letter from Capital One on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) which acknowledged my letter and reported no change in their decision to deny my application. 

I believe that Capital One 's denial of credit to me was based on their erroneous interpretation of a single credit agency 's report. They cited no other reason for denial of credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed an auto lease with US Bank in XX/XX/XXXX. The lease term was for 36 months and ended at the end of XX/XX/XXXX. I returned the vehicle to the dealership where the vehicle was originally leased [ within the 10-day grace period ] on XX/XX/XXXX. 

The car was deemed a " lemon '' by XXXX XXXX ( manufacturer ) and the company agreed to repurchase the vehicle and payoff the amount owed to US Bank. The repurchase process began in XX/XX/XXXX and was resolved in XX/XX/XXXX. 

XXXX XXXX as well as myself were in constant contact with US Bank throughout the repurchase process ( correspondence attached ). US Bank informed me that I would not be responsible for any late payments or negative credit reporting throughout this process. In fact, US Bank credited late payment charges back to my account. 

I tried unsuccessfully for more than 8 months to have the negative reporting removed from my credit accounts to no avail. I disputed the late payment reporting with US Bank as well as all three credit bureaus. I have received letters from the car dealership confirming their receipt of the vehicle in an effort to resolve this issue. I was charged late fees by US Bank for a period [ XX/XX/XXXX - XX/XX/XXXX ] when I wasn't in possession of the vehicle.

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I noticed today XX/XX/2018 that a checking account in my name had a very low balance. I use this account for savings for my upcoming 25th anniversary. When I went to activity I saw that a total of {$6100.00} had been withdrawn in 3 ACH ( Automated Clearing House ) transactions in the past 2 business days : on XX/XX/XXXX ( Friday ), XX/XX/XXXXXXXX ( Monday ) and XX/XX/XXXX ( today ). I reported it to the Bank immediately, but they told me that because there were other frauduent transactions on my account, specifically a XX/XX/2018 ACH debit for {$2.00}. Because I had not reported that transaction until now, the Bank is not liable to pursue any fraudulent transactions with this account. I told them I was not likely to notice a {$2.00} transaction but they told me that was the law. I've filed the fraud report with the Bank, but they informed me I should not expect to recover anything. In total I estimate the amount lost to fraud was {$8600.00} since XX/XX/XXXX but almost all of it since XX/XX/XXXX ( 60 days ago ). 

In the submitted documents, 10 transactions are labelled fraudulent. Of these 7 are XXXX ( shown in the documents labelled as " Markup ''. I also attach the XXXX 2018 statement which shows none of the fraudulent transactions and shows the two legitimate transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX I received a collection notice from NCC Business Services asking for payment for a debt related to XXXX XXXX {$9500.00}. Note that his debt was discharged in my Bankruptcy case on XX/XX/XXXX. I wrote NCC a letter XX/XX/XXXX informing them of this and including documents that proved the discharge of this debt and asking that they cease collection process. However, as of XX/XX/XXXX this debt appears to still be active and they have reported this debt to the Credit Bureaus. I've contacted XXXX in particular to dispute this and they have notified me that Creditor is claiming this is a valid debt. I called NCC on XX/XX/XXXX to confirm that they received the letter I sent them and they said that they received letter on XX/XX/XXXX. However, they said they reported this debt to the bureaus because they hadn't received paperwork prior to XX/XX/XXXX regarding bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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:
Yesterday XX/XX/2018 I contacted Transunion after receiving my credit report. It currently shows for XXXX during XX/XX/2018 I was over 30days past due on a vehicle that was in XXXX possession due to a mechanical trade in. A mechanical trade in that I still paid the car note on! I spoke to a " supervisor '' at Transunion by the name of XXXX or XXXX, a very rude, narcissistic person that does not appreciate her job by the way. She preceeded to tell me that I have to speak to a special handling department with the finance company to get my issue resolved. I asked what time were they opened she told me they close at XXXX EST. I told her there is no way for me to contact them during hours of operation. She told me she could request for them to call me no matter how many times i told her this will not work because I work and I requested for her to handle this issue through an internal request. She decided to ignore me and here I am still waiting to get this issue resolved!!!

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 2018-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient, erroneously is holding me responsible for loans I never took, from a school ( XXXX College ) I never attended in 2008. XXXX College has confirmed that they have no record of me ever taking any loans this and advised me to deal with Navient directly. Navient, continues to tell me to talk to the school, and will not help me.

Company response to consumer: Closed with explanation