vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have a {$1000.00} loan from ace cash Express. when they first started to withdraw payment i calculated the fees the were giving me was almost the same amount of the loan {$920.00}. I told them that i have taxes to pay and that i had a family emergency that i wouldn't be able to pay back loan. that I have plans to get with a debt consolidater. Ace cash have told me that they are filing a lawsuit against me. they've constantly harrassed calling my phone and calling my job telling people I work with that they're filing a lawsuit against me. I know its affected my credit. I need them to stop harassing me at my job and constantly calling at my job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I write to complain about an interest charged on my citibank credit card. It was an offline transaction occurred on XX/XX/2020 in XXXX, XXXX, where I purchased several stamps from XXXX  XXXX  ( XXXX XXXX ). The transaction has been categorized as " Cash Advance '' by citibank, and I was levied an interest charge because of that. However, to the best of my knowledge, I did not input any PIN into the POS when I made the purchase. 

I contacted citi via online chat, trying to tell them they have miscategorized the transaction, and politely asked them how I can prevent this from happening again. Yet I was informed that I should not proceed with the transaction when I learned the transaction is a " Cash Advance ''. However, this sounds a little bit ridiculous to me as a customer would never be able to learn whether a transection is a " Cash Advance '' before it has been posted in the customer 's statement. This becomes a Catch-22 from my perspective. Further, this offline transaction did not require me to key in any PIN number at all, which has made me more concerned. Doesn't this indicate that a bank could authorize " Cash Advance '' without a PIN number? If so, how would a customer be able to protect herself from her transaction being miscategorized as " Cash Advance '' and then exposing herself to the high interets and fees levied by the bank in such an ungrounded manner? How could a customer protect her money if a bank could authorize " Cash Advance '' without a PIN? 

Even though the amount involved is marginal, yet the fault in the system reflected in such case, I belive, does warrant more scrutiny and review. I hope CFPB and citibank could look into this case from a systematic perspective, and at least provide customers an option to prevent such " Cash Advance '' without a PIN from happening, so that customers could be immune from such arbitrary fees and charges, and their hard-earned dollars could be preserved in a way as customers wish. 

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 2020-03-07 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: GA

Complaint narrative:
To Whomever This May Concern : I am reaching back out because I am going to file suit against Equifax and XXXX. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

Equifax refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

XXXX refuses to remove XXXX XXXX  that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. XXXX  has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I  have sent XXXX  the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through XXXX  and Equifax and both of these bureaus are refusing to cooperate. 

My attorney is giving XXXX  and Equifax until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I paid a eviction off before it was put on my credit with company procollect and it is still on my credit as a XXXX balance

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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX at approximately XXXX XXXX  central. Discover called. My son answered. Did not identify himself. Discover asked if I was there, his answer was " are you collecting a debt? '' After they asked each other the same questions several times of each other the representative said that the bill was past due. This is a clear violation of my right per the fcra and the fdca of texas. When questioned she suddenly did not want to repeat her name. After being reminded that she had to per all the f..a acts, she would only give the one name, making it hard to identify who violated my rights. Spoke to a supervisor. Supervisor didnt know what happens typically when a complaint is filed. 

Representatives name was " XXXX '' she works in collections. And identified herself as a debt collector. 

" Sorry '' was the only resolution I recieved from discover at the time of the call. That is unacceptable after violating my rights. They should be bending over backwards to ensure that i didnt take this to the ffc, andvthe CFPB, and the oag. Because i recieved no resolution, we are here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, we used Chaise credit card to buy addition tickets {$140.00} for exhibition event at XXXX XXXX in XXXX  XXXX  taking place XX/XX/XXXX - XX/XX/XXXX. We called Chaise credit card dispute department asking for help to dispute the {$140.00} charge because of the ongoing Corona virus threat and because New York  Health Department does not recommend attending public events. We talked to XXXX on supervisor team from XXXX XXXX who refused to dispute the charge and advised us to either attend this event or just take the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
While the FRCA creates the credit repair process, the XXXX XXXX XXXX XXXX regulates the credit repair industry. ... The law recognizes that consumers need to maintain a high score and have a right to seek assistance to correct their XXXX XXXX, XXXX all navient loans office of the atty XXXX XXXX fed XXXX ser navie XXXX XXXX credit collection sevic navient XXXX bank XXXX XXXX CFPB XXXX XXXX XXXX Largest XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Every Stage of Repayment The Fair Debt Collection Practices Act, Pub. L. XXXX ; XXXX Stat. XXXX, codified as XXXX U.S.C. XXXX XXXX, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that Act

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 2020-03-07 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: TX

Complaint narrative:
While the FRCA creates the credit repair process, the XXXX XXXX XXXX XXXX regulates the credit repair industry. ... The law recognizes that consumers need to maintain a high score and have a right to seek assistance to correct their XXXX XXXX, XXXX all navient loans office of the atty XXXX XXXX fed XXXX ser navie XXXX XXXX credit collection sevic navient XXXX bank XXXX XXXX CFPB XXXX XXXX XXXX Largest XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Every Stage of Repayment The Fair Debt Collection Practices Act, Pub. L. XXXX ; XXXX Stat. XXXX, codified as XXXX U.S.C. XXXX XXXX, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that Act

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 2020-03-07 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: WA

Complaint narrative:
I paid this card off in full early. First red flag was they started charging me interest before ever even sending me a bill to pay on a zero interest for a year account. I paid the account off in full back on XX/XX/XXXX with a memo notification to close my account. They then sent me an interest bill for {$17.00} against a XXXX balance. So I called to confirm my account was closed. Today was my third attempt to confirm closure since they sent me another bill. I spoke with XXXX from Comenity-Iddeal Card on XX/XX/XXXX to confirm closure, she verbally stated yes it is closed and we will credit you the {$17.00} interest charge. HOW are they charging interest on a XXXX balance account? I then received another bill for XXXX with not only the {$17.00} but a late fee of {$19.00}. XXXX stated I would be sent a confirmation letter of closure on XXXX. I called again today since I now have a bill for fees for {$36.00}. Spoke to XXXX this time and she confirmed my account was closed yet I have a bill for a late fee on the XXXX that I didn't pay for XXXX - when I had a XXXX balance which is why XXXX waived that fee. This company is trying to charge interest when there is NO money owed! They are then not following up with written confirmation of the closure and are still trying to charge me interest with a late fee! Again today they confirmed that the account was closed and she was asking her supervisor to waive the fees - how are they billing interest to a XXXX dollar account! They stated again I would receive an e-mail and a letter but it would take 3 to 5 days. Since when does an e-mail take 3 to 5 days! This is beyond an unethical business practice but fraudulent to charge someone interest when nothing is owed and then to try and tack on a late fee to that AFTER the account was CLOSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: GA

Complaint narrative:
To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.

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 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.

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 2020-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
The debt the office of Reliant Capital Solutions LLC is trying to collect on has been paid in full to the original creditor already, yet the company is still attempting to communicate with me to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX XXXX Inquiry date : XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX 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
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I booked a flight on XX/XX/XXXX. My American Express gold card had travel interruption insurance. The flight was set for tomorrow XXXX but my spouse has the flu and the trip was interrupted until Wednesday XX/XX/XXXX. The airline assessed a {$400.00} change fee. American Express claims they stopped offeringtrip interruption insurance in XXXX. They did not notify me and also I booked this before in XXXX when I had coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XX/XX/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 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
On XX/XX/XXXX, Sunrise Credit Services , Inc. motioned to collect a debt {$1900.00} on behalf of their client XXXX XXXX utilities. 
They claimed that in XX/XX/XXXX " I made a payment of {$300.00} to XXXX and failed to pay the rest and as result, the debt due is now {$1900.00} As soon as I opened the letter on XX/XX/XXXX my first instinct was to give them a call. 
A woman picked up and immediately proceeded to tell me, " are you ready to make a payment for the amount due? '' 1 : I contented I have never authorized or, made any payment to XXXX ever. 
2 : I have never paid nor, received a utility bill from XXXX ever. 
3 : I do not have an account with XXXX, nor have they ever billed me for anything. 
In brief, XXXX XXXX XXXX XXXX XXXX attempted to collect {$1900.00} with evil tactics and I am scare they might try to hurt my finances.

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 2020-03-07 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:
In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX  to purchase a mattress. the loan was paid off in XXXX. 
I was advised be Experian that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX  XXXX XXXX XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX  sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX  Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX  account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX  reported to XXXX that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX  KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XXXX of XXXX, XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA 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 2020-03-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
The credit bureaus ( XXXX, Experian and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor XXXX XXXX XXXX XXXX  has referred to me the assignee XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you

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