vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Professional Debt Mediation has harassed me, used profanity, and threatened arrest because of a fraudulently signed lease by a company I have never heard of. Professional Debt Mediation has hundreds of similar complaints on here, and I will not go unheard. REMOVE THIS FRAUD FROM MY CREDIT REPORT, AND STOP SENDING ME PROFANE PHONECALLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC/ has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of mypayments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Around XX/XX/2017, my XXXX account was behind. It is through Comenity bank. I contacted Comenity bank for my XXXX account, about making payment arrangements. XXXX XXXX XXXX, a Comenity bank representative for my XXXX account, arranged and set up a series of payments to come out of my account bi-weekly, which Comenity would later say never happened. Then there were continuous late fees throughout the process. 

Then all of a sudden, my accounts through Comenity were closed, even those in good standing, when I asked for a reduction in total amounts owed on this XXXX account ... .and reporting on my credit report was changed to paid and in good standing. Then they were no longer listed on my credit report. 

Six months later, the reporting starts up again, and begins reporting delinquency again. The balances are overinflated and totally unfamiliar to me. 

How can I trust the accuracy of this banks billing process, when they could not even honor the agreement that I made with them ; first by denying that the agreement was ever established ( even though they were clearly withdrawing the arranged funds from my account biweekly ), then the continuous late and non payment fees that made the payments that I was making counterproductive to the process of working towards anything other than it being a means for me saying that I would like to do something? It was like I was being consumed by sharks and no matter how hard I tried, they were going in for the kill. 

They are reporting figures that I dont have the means to pay monthly, without starving myself and my family to death and succumbing to a life of homelessness. All I asked for very early on, was a reasonable settlement of this account. But of course, they will say that they have no record of that. I can not pay all these years of late fees and penalties. Theyve already written the account off as a loss and have been paid by their insurance for it. Now they want to collect even more money, on the same account that theyve already recouped their losses for, at the expense of holding a credit score and/or lawsuit over my head? Really? 

I no longer know whats what, as far as what I truly owe them. I would never recommend Comenity bank to anyone, because I DO NOT trust their practices. And they have no compassion for you as a human being, when crises arise in your life. Im not going to just give them whatever they say, for clothes that were already donated to charity, so very long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: IN

Complaint narrative:
Capio Partners , LLC is trying to collect {$2500.00} from me that I do not owe. On XX/XX/XXXX and XX/XX/XXXX, two claims arose for medical treatment I received vis XXXX XXXX XXXX XXXX. During the entirety of XXXX, I was covered under Illinois XXXX, which the State of Illinois confirmed with me yesterday, XX/XX/XXXX. XXXX XXXX sold this debt before the state of Illinois was done processing and paying these claims. The state of Illinois told me to have XXXX XXXX XXXX XXXX  submit these claims again, but they can not since the debt was sold. Now Capio Partners , LLC has been trying to collect from me instead of the State of Illinois. They've contacted me and family members, even telling them they will sue me and have reported me to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase auto finance has reported 1 late payment on my credit report and I was never late. I have no lates and I am a responsible person my payment was alway on time. Its reported in XX/XX/2017. I contacted the company but they would not here me. The payment was sent on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DRS Financial LLC
State: NJ

Complaint narrative:
I owed XXXX to XXXX XXXX XXXX Acct # XXXX I paid it off in 2 payments of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX XXXX/CBNA XXXX XXXX  XXXX XXXX, TN XXXX I never applied for any service or account with this company.

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 2019-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I have tried to work this out with the company for 3 months. I have an investment account with them. I asked them to use those funds to pay off my loan and closed my account because I could no longer afford it because I'm not working. they said they only do that for really delinquent accounts so I said basically you want to mess up my credit then maybe decide to pay it off when the funds are there. They have reported late payments I contacted them again they have yet to respond to my inquiries but continue to report my payments as late but yet I can't get in contact with them regarding this account so how can you report my payments late with your not communicating with me. I have more than enough in my investment account with them they refuse to use those funds to close his account before this account was late I have tried and tried to get them to use those funds to close this account. They are now ignoring me and ignoring my efforts to reach out to them. They were contacted first on XX/XX/XXXX before I was reported late. They replied XX/XX/XXXX. I replied same day received a response XX/XX/XXXX. I have an open Consumer report for this same issue but the company never responded. I disputed the late payment and they reported me 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I have a hard inquiry dated XX/XX/2018 from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX I never applied for any service or account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CURO Intermediate Holdings
State: SC

Complaint narrative:
I received a hard inquiry from the company below on XX/XX/XXXX and again on XX/XX/XXXX AND XXXX XXXX, XXXX : CURO MANAGEMENT, LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX I did not apply for any credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a hard inquiry on my credit report from XX/XX/2018 for this company : CHECKNGO/AXF XXXX XXXX XXXX XXXX, OH XXXX I never applied for any credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Mobiloans, LLC
State: SC

Complaint narrative:
There is a hard inquiry on my credit report on XX/XX/2019 from : XXXX XXXX XXXX XXXX XXXX, LA XXXX I never applied for credit with this company

Company response to consumer: Untimely response
Consumer complaint received 2019-10-04 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: Risecredit, LLC
State: SC

Complaint narrative:
I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I never applied for credit with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I started a inquiry online regarding a Rr-fi on our existing mortgage with Quicken Loans. I was then contacted via phone to proceed with the process. I informed them that my main goal was to obtain cash with the re-fi for debt consolidation etc. after going through the processes of sending them my financial information, income debt etc. I was called back and told via the phone that they could provide us the requested amount XXXX, lower our interest and lower our payment as well. I gave a verbal approval to continue. I was told that I needed to pay for the APPRAISAL which would be XXXX ( and we did ) The appraisal process was quick and came in at the amount that the preliminary numbers would need to be able to have enough difference to give us the cash etc. We signed the online forms to get the process to progress. When I reviewed the forms online, I saw that the cash was only going to be XXXX and not XXXX I sent a email the Representative that was handling my account and he quickly called me back. My email was asking if we are only getting XXXX. During the phone call, he mentioned that no everything is looking ok and we will be getting the money. After waiting over a week and a half, I checked online and now the money I would receive was only XXXX?? I called, the customer service to verify what I would receive and I was told that Yes the XXXX is all you would be getting. I emailed and called 2 different numbers with my contact and NEVER received a reply. I submitted a complaint online. The next day, we received a call from someone else that stated " maybe we can look for another title company to save you some money to get the amount closer to your request. Several days later, we received a phone call from another person that stated our loan has a MAX of XXXX  cash available and NEVER would be possible to get XXXX with that type of loan!! I was extremely disappointed and upset. I requested him to pull the tapes on the phone calls to see that I was being told LIES. He stated they would pull the tapes and review the issue but was continuing to tell me that there is no way we could get XXXX. It has now been 4 business days ( he said it would only take a day or so ) and I have heard nothing again. I checked online again and now the cash is down to XXXX!!!!! I feel that all of the processes that this company ( Quicken Loans ). is deceptive. I am NOT a banker and I have to rely on the company to be honest with me etc. I also noticed that the XXXX was NOT for the appraisal as mentioned but for the XXXX earnest money! They NEVER told me that the XXXX was for earnest money!! This is still a on going issue and I am seeking help on this PLEASE! I feel that their practices are VERY deceptive, dishonest and in my opinion could be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: MI

Complaint narrative:
This complaint is being made against Experian, XXXX, and XXXX on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On the evening of XX/XX/XXXX my debit card quit working. When I tried calling the bank for assistance the automated system told me to call back in the morning and hung up ( although website said assistance was available until XXXX XXXX and it was only XXXX XXXX ). The next day I had to board a flight to XXXX before the banks opened. When I got to XXXX and called the bank 's XXXX number was when I was informed they were closing my account and had frozen my funds, leaving me stranded at the XXXX airport without enough cash to get to my hotel. I was able to get assistance finding a way to get to a Bank of America and with their assistance was able to get my funds unfrozen but they would not be available for 24 hours. The next day I returned and withdraw what I needed for my trip. I returned home XX/XX/XXXX and on XX/XX/XXXX went to get funds from my bank account so I could pick my XXXX   up from a XXXX XXXX only to find they had once more frozen my funds. Once more, I had to call the XXXX number and with the assistance of a bank manager arrange for the funds to be released but would not be available until the next day. During all of these encounters they refused to provide any explanation of why they were closing my account other than it was a business decision. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Bank of America informing me they were closing the account and what that meant. 

My complaint is based on their failure to timely notify me of the plan to close my account so that I could have made arrangements to secure travel funds. Instead I paid twice the fare for taxi transportation because I could not use XXXX without a debit card, I was forced to limit meals to my hotel and pay the inflated prices for the same reasons. In addition to the stress and inconvenience, Bank of America 's failure to notify me before freezing my funds and deactivating my debit card cost me approximately {$100.00} in inflated expenses due to the loss of debit card access. If they had notified me BEFORE they took action it could have been avoided.

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 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint is being made against XXXX, Tranunion, and XXXX  on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.

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 2019-10-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint is being made against XXXX, XXXX, and Equifax on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: NC

Complaint narrative:
Second Round LP is trying to collect monies owed on two previous credit card accounts I opened with XXXX XXXX in XXXX. The amounts are {$560.00} and {$450.00}. Currently these two accounts are negatively reporting on my credit reports as collections. In North Carolina, a debt collection agency has to have a permit or license to collect from NC residents. As of today 's date XX/XX/XXXX, Second Round LP does not have a permit or license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of 2019, I closed XXXX of my Bank of America credit card accounts. At that time I had a small {$95.00} credit balance owed to me by the bank. Since I do all of my banking at Bank of America, I wasn't too worried about the money as I assumed they would send me the money eventually by check. 
In XXXX, Bank of America finally removed the credit card from being viewed in their online portal. At this point - I confirmed that I had not received the check or a payment. From that point on, I have called Bank of America 5 times. Each time they claim that the check is in the mail and that I just need to wait 5 business days. Each time I call back, they deny that anything has been done previously and I am forced to start the process anew.

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