vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX opened a credit card to a person who stole my identity to do so. With the help of my bank XXXX/XXXX we contacted XXXX and they refused to take any action and referred me to XXXX XXXX XXXX who they sold the debt to. After contacting XXXX XXXX XXXX with a police report, and the results of disputes from XXXX and XXXX showing this account was fraudulently opened in my name, they still refuse to discharge this fraudulent and remove it from my credit report. I need assistance in having this fraudulent debt discharged and removed from my credit report. 

I have included the police report and report from XXXX. I am still awaiting paper copies of a dispute from XXXX, which result shows this account was fraudulent and they have deleted parts from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
A company by the name AD Astra collections is calling me, my job and family members and is using abusive tactics to collect on a debt. They threaten to have me garnished if I refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
When I first applied on XX/XX/XXXX for this loan with XXXX, I was only looking to get $ XXXX- {$1500.00}. I received a number of emails saying that I was approved upon the company receiving documents from me which was my ID and Social Security card copies. I have paid this loan on time from XX/XX/XXXX of {$240.00} then my payment amount changed to {$290.00} on XX/XX/XXXX and remains the same amount as of today, XX/XX/XXXX. 

The loan amount that XXXX XXXX, Loan Agent, Direct : XXXX, Email : XXXX said I would need to agree to in order to qualify for a loan was in the amount of {$2500.00} for a term of 47 months and this loan carries an interest rate of 135.00 % and an APR of 139.12 %. 

As of today, XX/XX/XXXX my payoff amount is {$2700.00}. This is the pay off amount even after making every single payment on time since XX/XX/XXXX, but my XXXX Settlement Contract shows today XX/XX/XXXX would be my 24th payment on this loan at the monthly payment amount of {$290.00} and {$20.00} going towards the principle and {$270.00} going towards the interest of the loan with a payoff amount of {$2400.00}. My settlement principle payments are not being applied to my loan as the XXXX states in the Settlement Contract which violates the contract. I was told I HAD CONNECT MY BANK ACCOUNT for automatic payments. 

I feel very scammed and seriously taken abuse of. XXXX sent me a copy of my credit report on XX/XX/XXXX at XXXX PST before distributing the funds to my bank, so they could clearly see ( 38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, 19 - TOO FEW ACCOUNTS RATED CURRENT. 15 - INSUFFICIENT OR LACK OF BANK REVOLVING ACCOUNT INFORMATION. ) XXXX also sent me a Risk Based Pricing Notice on XX/XX/XXXX at XXXX XXXX PST that did not explain or show me anything pertaining to me having to pay higher amounts or stipulations because of my credit score. The email only stated information from XXXX that stated " What should you know about your credit score. '' I am unsettled with the reason XXXX   provided/approved/extended a loan offer to me with such unreasonable stipulations. By XXXX reviewing my credit history they could clearly see that I would be unable to pay this loan off even as I make my monthly payments on time at the amount that they have set. 

I believe that I was racially targeted and being a low-income individual with very poor credit made me a target for in-proper finance terms. I was unemployed at the time I applied but was advised by XXXX XXXX XXXX that he would use my previous employment information to qualify me for the loan after I explained to him that the loan was very much needed for emergency purposes. I should not have been approved for this loan unless the Lenders purpose for extending/offering the loan to me was purposely unethical and illegal financial benefits for the Lenders purpose and gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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:
I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, {$150.00},XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: AZ

Complaint narrative:
I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00},XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXXl, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been using their services for awhile. I currently have a loan that is due XX/XX/XXXX. I called to make arrangements for an Extended Payment Plan, something I have NOT done before. I had 2 prior consecutive loans right before this one so I counted this a my 3rd consecutive loan. According to the documents I signed & the Indiana Small Loan Law Borrower Rights & responsibilities document I was given with my loan should be eligible for an Extended Payment Plan due to it being my THIRD consecutive loan. However, after calling XXXX XXXX XXXX to inquire about the EPP I was told I was not eligible according to the " State Database ''. The gave me a phone number to XXXX  ( XXXX ). I called them and was told I was not eligible for the EPP because my 1st loan in this " series '' was actually loan XXXX so my current loan is number 2 not 3. I do not know WHERE this counting process came from & was never informed that's how they " count '' nor is it in any of there documents. So they are refusing to give me an EPP. To me this is blatant skewing of the law and there documentation to keep people from requesting the EPP. 
Here is a response I received via e-mail : " Dear Valued Customer, We're sorry we were unable to accommodate your request. According to our policy, we may grant you an extended payment plan on your fourth consecutive transaction with a state-licensed payday lender. ( consecutive meaning less than 7 calendar days have elapsed between each transaction. ) After reviewing your account, we show you do not meet those requirements at this time. We apologize if this is any inconvenience. 
If you have any additional questions or concerns, please call our Customer Service department at XXXX to speak with a representative. '' The documentation states " At the time you enter the third, fourth or fifth consecutive loan, the lender is required to offer you an EPP. '' It does not say " 4th consecutive transaction '' or that your first loan is loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
on XX/XX/XXXX I was rejected for an institutional account with Coinbase,  which placed a lock on my personal account. I have not been able to withdrawal money from my account since then and have contacted support 6 times now with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX, I turned in my leased vehicle per the lease agreement which expired onXX/XX/XXXX. In XX/XX/XXXX I was sent a letter requesting payment of {$290.00}, which was the balance of a disposition fee owed by me, ( see attached ) per the lease agreement. I paid the fee resulting in a XXXX balance on my lease agreement. ( see attached check ). Further investigation on my part with regard to the Motor Vehicle Lease Agreement revealed I was owed the {$570.00} for a refundable security deposit ( see attached lease agreement ).

In XX/XX/XXXX, I called Chase 's End of Term Lease Department about getting the refund. I sent a letter ( see attached ) in XX/XX/XXXX about the refund. On XX/XX/XXXXand XX/XX/XXXX, I called Chase 's End of Term Lease Department about the refund. To date, I have not received reimbursement for the {$570.00} I paid at the time of entering into the lease agreement with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Control Company, Inc.
State: NV

Complaint narrative:
Credit Control out of XXXX XXXX, VA XXXX was hired by XXXX XXXX a cable/internet/phone company to collect a debt on a closed account in the amount of XXXX.

I requested to pay the vendor ( XXXX  ) directly and on 2 occasions stated I could not. This is untrue as I paid a partial payment directly to XXXX  on XX/XX/XXXX in the amount of XXXX  leaving a balance of XXXX.

XXXX ( operator at Credit Control ) stated if I didn't pay the full amount ( they would not offer any payment arrangements ) by XX/XX/XXXX it would go up XXXX and be reported to the credit agencies. She is one of the operators to state that I could not pay XXXX directly ( not true, XXXX took my aforementioned payment and it reflected on Credit Controls end ).

After speaking to another operator, they stated if I made the payment " AFTER '' XX/XX/XXXX then only would I see the XXXX collection fee and then it would be reported if not paid byXX/XX/XXXX.

By XXXX telling me that I had until the XXXX only for both penalties ( XXXX collection fee AND credit reporting ), I put myself further in a financially difficult situation by paying the full amount to get them to not only stop harassing me ( calling me frequently ), but to avoid a ding on my credit which is getting repaired by on time payments and good relations with my credit card companies and creditors.

XXXX of Credit control used intimidation and threats of a credit report by misleading me with information that not only my collection amount would increase, my account and lack of payment would be reported on XX/XX/XXXX. The key to this is that this information was INCORRECT!

The fee increase would happen if I didn't pay on or by the XXXX and the report would happen if the full amount and any collection fees were not paid by XX/XX/XXXX. It's because of this misleading, threatening and intimidating consequences that I paid the bill to avoid the threats of penalties and reporting based on the FALSE Date of XX/XX/XXXX.

I complained to a supervisor ( XXXX  ) but her only concern was that I pay them and they would no longer contact me and not the tactics of XXXX using FALSE information in order to satisfy a debt by threatening credit reporting and an increase in fees if not paid by a date that was not in fact the actual deadline.

This should not be legal or tolerated. If they have rights to report and add fees, they should do so on the days legally allowed. Why are they lying to consumers with threats of reports and fees on false deadlines if they have eventually the right to do said penalties per the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Hi I just received a notice that I have an escrow shortage with US Bank. I closed in the month of XX/XX/XXXXseveral years ago. 
They are rebalancing my escrow and say I owe XXXX or I can have a new payment of {$1300.00}. I can't afford either. 
After investigation with my insurance agent, they told me the correct binder and amount of my insurance was submitted to the lender, with my name, address and loan number with a premium amount of XXXX. 
The lender last year revised my escrow account on an insurance binder that was not mine, it didn't have my name, address or loan number on it and was for {$1000.00}. They even sent me a copy of that binder, which is a violation of Personal Private Information -PPI.They changed my escrow payment to a lesser amount and when they discovered their error and paid my insurance company the correct amount. They never notified me or adjusted my escrow to reflect the correct amount that they had processed erroneously. Now I have a large shortage which is their error.

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 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ordered a XXXX report and I was reading it and it said Inquirer : Fifth Third Bank XXXX XXXX XXXX XXXX, XXXX, OH XXXX ... XXXX Inquirer Date XX/XX/2016 I never requested any banking, credit card or loan with Fifth Third! I appreciate all your help getting this resolved! 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing now in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a crucial part in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I had a debt collector call my place of employment on XX/XX/2018 in reference to a debt that does not match my records. This is an old debt from over a decade ago that has been resold so many times that I can't actually find out who owns it now because they have all lost the paperwork. 

I told them that it was illegal to contact me at my place of employment ( my employer has a no personal calls policy that I can be fired for if I violate ) The caller insisted that it was not illegal for them to call me at work. 

I told them that the Fair Debt Collection Practices Act prohibits them from calling my place of work if they have such a policy but was again told it was not illegal for them to call me. Which is a complete untruth. 

I then told them I have the ability to sue for violations of this Act and I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been paying late charges on my mortage with Chase Home mortgage. I have paid late fee from XX/XX/XXXX until XX/XX/XXXX. I have contacted Chase several times within the last three years to resolved this matter .My first contact with chase was by telephone 0n XX/XX/XXXX, I spoke to a XXXX XXXX XXXX he waived the late fee due to me making two payments in XX/XX/XXXX. One on the XX/XX/XXXX and XX/XX/XXXX. I thought I had resovled the issue. However, this was not true in XX/XX/XXXX I was trying to make my regular payment inside the local branch and was told I had a late payment and need to resolve the issue. I made the payment. This cause me more confusion. I have been paying late charges every month. This has cused me three years of stress and worries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've tried to have my Equifax credit report pulled by multiple companies. ( XXXX, XXXX XXXX and XXXX XXXX and none of these companies are able to pull my report of see my score. Ive contacted Equifax numerous times and they can't see where there is a hold or fraud alert on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Live Well Financial, Inc.
State: CA

Complaint narrative:
Reverse Mortgage on my property was scammed by a criminal posing as an FBI agent. 
The amount that was due in XXXX was taken away by telling me that I had won an award that taxes had to b paid to agents of the FBI. The mortgage company should never have released the funds because the safe guards were not observed.

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 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OK

Complaint narrative:
XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX   and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation