vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/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 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NV

Complaint narrative:
Hello. I reported many charges as fraud early XX/XX/XXXX, most of them from XXXX. Discover CHANGED MY ACCOUNT number and removed the charges. I noticed early XX/XX/XXXX that the charges were added back, and advised them of several hundreds of dollars of more of the same type of charges. I called and found out that it was due to the auto updater MasterCard uses. The agent told me he then placed a block on this merchant to stop the charges. Why wasn't this done in the first place? I said they were fraud. They also sent compelling evidence that the charges were from my son in my apartment. I do not have it with me to tell the specifics, or upload the docs they sent, but in the docs, it DID look to be me. However it was not. Please see prior complaint filed with Discover online for the details. All the evidence was correct info, but not current. The email info differed, as did the screen name and billing details. They had old information mixed with the new. The location of the IP address showed me. I am in an apartment complex and can see the wireless around me, so I'm assuming someone hacked into the XXXX. Something. Not sure. Regardless, the first time I reported the charges were not mine, and they changed my account number should have ended the charges either way. No one told me that they would come through on the new card as well. XXXX has been unable to locate any information whatsoever to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
There were false information about the process of the loan. First they said it will be a soft run on my credit to get pre approved and then it was a hard run

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Several attempts have been made to resolve this issue, BEFORE It became a collection issue. I attended XXXX on-line, until I became XXXX. Because I knew I had obligation, I called and requested info for how to resolve the loan. I was turned over to collections, I called again to resolve. I submitted documents I was advised. I was denied. I called again and was again advised to submit different/more documents. I obliged. this continues on this back and forth and continued submission of the requested info, only to be informed I did not submit the correct information. Garnishment has now  since began against my XXXX benefits. Also, keep in mind I have also been informed, if I was able to return to school, any school, I would not be able to transfer any credits accumulated while at XXXX. I called again to Nelnet to check status of my application, and again advised, of different info will need to be submitted. I am truly starting to feel scammed. How am I responsible for a school loan, for an education I am unable to use, and how can I be a responsible adult if I am repeatedly receiving inaccurate information that is critical to resolving my issue? I have escalated to Nelnet, XXXX, and XXXX XXXX, No one can help me. I am done submitting all of my personal information. I have proven I am XXXX at this point. Im also questioning, how am I responsible for a loan for education I can not use?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution.

Furthermore, regarding XXXX XXXX, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX insurance and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX  waived all of them. I sent XXXX XXXX via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment.

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. XXXX XXXX does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care.

Lastly, I sent this XXXX XXXX   collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth.

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling XXXX XXXX a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access.

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage.

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: DISCOVER BANK
State: WI

Complaint narrative:
Discovered closed acct with out my consent and for no reason. After attempting to make pmnt thru bank. Pmnt returned due to funds not avail yet. I tried to remake payment they stated acct closed!. I asked why?. They said over limit! 
I said thats no reason to when ive made several pymnts since i received card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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:
THIS is NOT a DUPLICATE dispute Experian you state remaining account there is no remaining account that was false reporting to CFPB. enclosed is a fax I sent to XXXX /XXXX XXXX to whom you are reporting that states they do not own account. in my fax I stated that you Experian are pointing the finger at XXXX, I then phoned XXXX  and talked to them about your actions they were not happy stating again they do not own account .CFPB I have shown a clear case of credit reporting fraud and credit manipulation a violation of FCRA { Experian remove this account at once I am not asking for an investigation thats been done and all facts lead to you as fraudulently reporting inaccurate information as to credit manipulation. you are still reporting NON owner on credit report as of today

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 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had my Capital One credit card since XX/XX/XXXX - it was the first credit card I opened and thus has my longest credit history ( 18+ years ). I received an email from Capital One on XX/XX/XXXX that they closed my account on XX/XX/XXXX due to inactivity. I received no advanced notification that they would be closing it on the XX/XX/XXXX. I received other email communications from them during this time ( offers and my monthly credit card statement notification showing a {$0.00} balance ) but nothing mentioning a XX/XX/XXXX account closing date - had I been notified of this 3 year rule or of the upcoming XX/XX/XXXX closure, I would have used the card to avoid it from happening. I talked to Capital One today and they told me that they can not reopen my account and I have to apply for a new card, thus erasing 18 years of good credit history. They stated that this is their business practice and it just feels wrong. I should have been warned that this closure was coming ( & thus be given an opportunity to take action to avoid it ). Further, to be notified six days AFTER the closure has occurred does not feel like an appropriate way to conduct business, especially when it impacts someone's credit history so drastically. How can Capital One send me emails about special offers and and my monthly statement but fail to mention in any of these communications that you are about to close the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was charged {$390.00} on my barclays card on XXXX XXXX XXXX. I have multiple conversations with barclays and XXXX. The conversations with XXXX state that I didn't want their service anymore. This dates back to XXXX. XXXX would reply with a nonsense answer stating that the business had to be closed. The business filed for dissovlment in XXXX and XXXX. It was dissolved before XXXX. I communicated all of this to barclays and provided the documents attached to prove so. Barclays is now saying that I owe over {$480.00} because of late fees and interest all because of the fraudulent charge from XXXX. When I started the process with barclays to show that the charge was fraudulent, they stated that no fees or interest would be accrued while a charge is in dispute. I have sent multiple messages to XXXX with no responses in the regard of discontinuing services with them. I have sent barclays multiple messages now about how I should have to pay for a fraudulent charge, interest accrued and late fees accrued because of the fraudulent charge. They just reply with contacting someone else in another department or saying they need more documentation. The documentation that they want XXXX won't provide because they reply to many messages. Thank you for your time, and please let me know if anything else is need to file a formal complaint.

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 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Received a call capital debt collector/robert about unpaid dental bill {$360.00}. The call was made yesterday XX/XX/2019 around XXXX XXXX. I was busy when i received the call and i had him on speaker phone. My nieces and a guest heard the whole conversation. Representative/ XXXX was high energetic in degrading me. He said to look myself in the mirror, I'm a liar, he said he was not looking for girlfriend and he was making a business call. All these comments was made in his first call. During this call i said to my niece i need another cell phone to record the conversation and when i came back on the phone he hanged up. I called back and he spoke with XXXX again. His tone of voice changed and stared in the beginning that this was recorded. Automatically blurred out i was cussing him. And hanged. I called again spoke with supervisor/XXXX XXXX. He was so relaxed to say he apologized for his employee znd and he will speak with XXXX. I asked XXXX if he trained his employee to use those degrading statements to collect debts and said no. Then i said to please put a great attention to this matter and provide me a letter with their corrective action plan and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/2019 the company called my work phone after I had requested them not to in a previous phone call last month. I filed a complaint after that phone call for threatening language about my job. They lied about the transcript. And now they have called my work line again, knowing it is a work line and is not private. It is a shared phone line located on a coworkers desk in a roomful of people.

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 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CT

Complaint narrative:
My due date is the XX/XX/XXXX of each month, but I was told if my payment was not received by XX/XX/XXXX for example, it would be reported 30 days late to credit reporting agency. My math says Im only 21 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is incorrectly reporting to Equifax a collection in the amount of {$12000.00}. Please see XXXX XXXX partial account number XXXX. ( This line item is listed on Page 14 of the attached credit report. ) I moved out of the student housing when I graduated from school. My lease ended in XX/XX/2016. I had financial aid while I was attending school and the monthly apartment expenses were covered by FAFSA ( Federal Student Aid ). There should be no outstanding debt on the apartment. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019 I was charged {$590.00} for interest. At that time my balance on the best buy citi card was below {$500.00}. Now my bill is over {$1000.00}

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 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I've received threating phone calls and threating letters from XXXX XXXX XXXX, starting back so far in the year XX/XX/XXXX and continuing until year XX/XX/XXXX, stating that I owe Medicare for medical payments that were paid by my Auto Insurance company, from a hit and run auto accident I was hit from the rear while stopped at a red light. They were provided proof of payments from by my Auto Insurance company. I've received threating phone calls and threating letters XXXX XXXX a Debt Collection Agency, starting dates as far in year XX/XX/XXXX and continuing until year XX/XX/XXXX, also were provided proof of payment. I am now receiving a letter XX/XX/XXXX, dated : XX/XX/XXXX from a Debt Collection : Pioneer Credit Recovery , Inc. with the same threating letter stating as the others that they were contracted by the U.S. Department of the Treasury, Bureau of Fiscal Service to collect on a delinquent balance now the Debt Originating agency : Department of Health and Human using my Social Security Number which was my Old Medicare Number, threating to report to national credit bureaus, which could inhibit my ability to obtain future credit. Additionally, the Department of Treasury may be authorized to offset any eligible government payments I receive such as income tax refunds, federal retirement benefits, and/or other financial assistance if the debt is not paid. furthermore, pursuant to the policy of the above-listed Federal agency, should I continue to refuse to resolve this debt, my debt may be reviewed for possible referral by Fiscal service to the Department of Justice for legal action. I called Pioneer Debt Collector and disputed these accusation today 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 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
One XX/XX/2019 I was sent a check from an Insurance company. I had been in Contact with XXXX XXXX ( if that was his real name ) I was issued a check for {$2100.00}. I was asked to deposited it into my account ( I had Bank of America at the time ) Which I did via my mobile device. Later I notice their was a spot on the back of the check that states " please check if it is a mobile deposit '' which I never marked, those making my deposit invalid. Bank of America still cleared the check the next day. I have never had Check that large clear so fast. I had left the country so I did not have time to ask why. Late that day I was asked to use XXXX  which is promoted through the Bank of America Mobile App to transfer the money. Not thinking anything of it and I did not want to get in trouble for depositing a check for that amount I did. XXXX to XXXX ( XXXX ) who has an account with XXXX XXXX. He was suppose to be the tech to place the decal on my car. They claimed to not receive the money and ask me to send another XXXX. I told them know I sent the money and I wanted to wait to see what would happen with the " missing '' XXXX. I still had some money left over from the initial deposit so they asked me to send another {$500.00} through XXXX again to a XXXX account. Once again In my mind it wasn't my money so I did not want to get in trouble for fraud. The Money was in my account for 4 Business Days. On the 4th Business Day The XXXX check bounced and now I was severely overdrawn. When I got back in the country I called Bank of America, the department I needed was not open until Monday. I called first the first thing Monday morning on XX/XX/19. Bank of America passed me around to 4 departments before I got to the correct person. They were able to see the transfers and what banks they went through. They opened a claim and told me it would take 10 business days. I waited patiently. I called back the they said they could not get the funds back and the claim was closed.

1. Bank of America is promoting the use of XXXX but you are not offered any protection from fraud.

2.Bank of America accepted the deposit of a fraudulent check that was not properly filled out.

3. Bank of America provided no help, just closed claim. Said I can file a police 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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I received a judgment letter in regard to an old apartment complex citing I owed no funds. The same documents are also available on XXXX. Months later, the same complex has placed a {$3900.00} debt onto all three of my major credit reports. They unlawfully reported this balance to the credit bureaus without first notifying me of its existence and in doing so denied me the opportunity to pay the alleged debt before it negatively effected me. I was not properly notified of the existence of this alleged balance before it was reported. They are not XXXX accredited. The collection company is Consumer Collections Management of XXXX XXXX, MO.

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