vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX XXXX DEPT was ordered by " The Borrower Defense Refund Cancellation DEPT '' to freeze any direct & /or parent plus loans I may have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX due the direct or parent plus loans being under investigation, ( for which XXXX XXXX has a lawyer for currently ), until the investigation- even by the FBI, XXXX XXXX, PA OFFC ) , has made their decisions. No decision has still yet been deremined which means that no loans from this college should be showing on or me or my daughter 's credit report. Not as paid or anything. Just as frozen. Can contact the dept. for verification so this can be removed. Also, XXXX XXXX, a new loan servicor I transferred to from XXXX XXXX XXXX XXXX, informed me that the XXXX XXXX DEPT ordered them to allow direct or/ & parent plus loans to be added to my consolidation which I never authorized! The mailed paper work : forms & consolidation application even states that since I gave authorization for my signature o be used electronically, they have right to keep using it! 

I have tried reporting repeatedly to the credit bureaus, but, have been unable to login in even after repeated login resets ... Starting to wonder if I am being deliberately kept from getting in to my credit report accounts. 

XXXX XXXX Thank you CFPB

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 2019-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Hello On XX/XX/2019 I purchased a product from a merchant that was not what I received. Upon learning the product was not what I had purchased I contacted the merchant directly to the best of my ability. The merchant did very little to respond to my inquiries for a refund and constantly changed the email address they wanted questions directed to. 

After being unable to work with the merchant directly I began the dispute process with my credit card issuer by notifying them via email and then by mailing in my dispute at the end of XXXX. 

I was hoping to leverage the Fair Credit Billing Act to help me resolve this dispute. If the merchant sends you a different product than what you ordered it may be subject to a charge back. 

The product I purchased on XX/XX/2019 is not what I was being given 1 month later. 

The merchant eventually did release a generic statement and " partial refund '' but still refused to work with me on a full refund stating their no returns/refunds policy. 

While this policy is valid I still feel I am to be protected under the Fair Credit Billing Act as I did NOT receive the product I ordered. 

Had I known of the changes that would take place one month later I would not have purchased this product. 

My credit card issuer is stating the no refund policy overrides the Fair Credit Billing Act even though I did not receive what I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I got declined on a purchase using the XXXX  comenity card on XX/XX/19. Tried calling the customer service account protection ( XXXX ). The representative who answered were asking all sorts of questions which i answered to the best of my knowledge. it came to a point where they were collecting lot of information that i started o doubt if it is legitimate call center. I asked to speak to the supervisor, to whom i spoke ( XXXX ). i said it is not fair that you need more information than the once you needed, and asked him how many questions i need to get answered to get the card unblocked. He replied he makes the rules and either answer or it will remain blocked. I declined to answer any more security questions that was asked. He hung up the phone. 
Here is the lsit of questions that were asked and answered. 

Name Card number my age last 4 of SSN address last purchase made at XXXX? 
amount? 
last balance i paid on the account my credit limit ( i wasn't sure about this but i said i can look it up ) if i had a XXXX  what model and year my drivers license issued which county, date of expiriy on drivers license. 

after having answered all this, the representative and supervisor XXXX still determined it was not sufficient. I told them i am not convenient answering these questions anymore, with all the scam phone calls happening now. 
I believe I have a legitimate complaint, that this is sufficient data to get the card unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Frost Bank is reporting 2 charged off bank account balances on my credit report as if they were loans and they have reported each account as Unpaid for over 35 months, which is significantly effecting my credit score. Additionally, both of these accounts were BUSINESS accounts, which should not be reported on my personal credit report, period. Further, both of these balances were paid off in full upon closure of both accounts. This has affected my ability to close on our new home and I need this removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a hard inquiry opened XX/XX/2018, I am not aware of an account being opened at that time. This hard inquiry is for Brclysbankde. I already tried contacted them by phone and sent them a letter ; noting was done.

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 2019-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
There is currently a debt collection placed on my credit bureau from Transworld system Inc. They claim that I owe {$7100.00} to XXXX XXXX. I claim that this indebtedness started from an apartment building I owned over 10-years ago. XXXX XXXX was given instructions to turn off all utilities after I closed up the building. XXXX XXXX is posting a collection from over 10-years ago, and XXXX XXXX has gone past the legal timeline where they could file a lawsuit against me personally. Since I now live in the state of Tennessee, that is beyond any common sense scenario. Accordingly, I demand copies of all invoices pertaining to the attached XXXX XXXX account ( s ), and I will prove that XXXX XXXX has passed its legal collection timeline, and Transworld System Inc. no  longer has right to report this collection on any credit bureau. My address is attached to mail my requested invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC, Has falsely submitted information to Resurgent capital services stating that, I owe them {$1000.00}. Which is not true, I received a letter from Resurgent capital services, Dated XX/XX/2019, concerning the above issue. I do not owe this debt and the information is false that LVNV Funding has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with ( XXXX, XXXX, Trans Union ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the 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 explanation
Consumer complaint received 2019-10-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with ( XXXX, Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past.

I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I paid a company around 300 dollars to lower my student loans and then my student loans were sent to another company. My repayment amount is supposed be {$0.00} as I'm supposed to be on an income repayment plan for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc.
State: MN

Complaint narrative:
okay, so i wanted to consolidate my student loans to get one payment because i have like 6 right now. i researched online and came up with a fairly reputable earnest.com. as i was going through the process, they said they must get access to my bank information, username and password in order to process my loan. since i have searched and found it a legit company on many, many reputable websites i decided i would give it to them and then immediately change my password because this is just not normal. as i went through the process, it seemed more and more off so i decided to stop the process and not do business with them. i emailed the company and asked them to stop trying to access my bank account and to remove all my information. they have not. it has been 4 days since and they are still trying to gain access to my bank account. further, i dont believe they should be able to force me to give them my banking credentials. i figured they just wanted to confirm i had one as most financial services companies do but this is beyond that. they clearly have intentions to continue to monitor me whether i am doing business with them or not ... .and i realize that XXXX XXXX XXXX is running the cfpb right now and probably that coward will appluad their efforts to defraud me but maybe you could do something when that coward is finally removed. there is a lot wrong with earnest.com both signing up and after!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have had a mortgage refinancing with M & T bank since 2012, FHA streamline mortgage. 
This bank has consistently increased my mortgage payments despite the fact I paid escrow shortage every time. They are essentially committing fraud and preventing me from paying off my mortgage sooner by increasing the amount per month annually despite the escrow shortage being paid. 
I have asked them to resolve this issue to no avail and even asked to pay escrow separate and they refused because they will lose out on the interest. 

I have lost a lot of money with this banks business practices and need them to be investigated.

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 2019-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
On XX/XX/2018 I had lab work done at the XXXX XXXX XXXX in XXXX Ms . The lab work was totally unnecessary according to My Medicare advisor and my Supplement Insurance for the amount that was denied by both insurance companies for the amount of {$200.00}. I was told the test was done in order to determine if I needed a specific medication for XXXX XXXX ( XXXX ). I have never had to pay any sort of balance on anything XXXX dr visits, hospital stays, out patients surgeries, NOTHING, in the past 15 years as I am XXXX and I have 2 insurances. According to XXXX and XXXX supplement, this blood test was filed as a plain DRUG TEST. Nothing more. XXXX XXXX is sueing me for {$200.00}. I do not owe this money and have tried to settle this for over a year. Radius Global Solutions out of XXXX MN has been sending me threatening letters now. There is now way I owe this {$200.00}. My insurance claims it is the way XXXX filed the claim. XXXXXXXX says I owe the money PERIOD. The drug XXXX is a common drug that is prescribed very often for men and women that does not require any type of testing. It is for XXXX XXXX for one thing, and is used to treat several other common problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: NV

Complaint narrative:
I have noticed that ONEMAIN have placed an inquiry on my XXXX  and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested ONEMAIN and XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural  person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank transferred a charge made to our citibank costco visa to another citibank card, our sears mastercard, 'shop your way '. We don't use the sears card and called and asked that that account be closed as soon as we received the statement. Citi sears continues to call us about payment. We didn't use that card. Citibank must have transferred the charge made with our Citi Costco Visa to the Sears Mastercard. I understand that they were recently sued and had to pay a settlement of XXXX XXXX dollars in XXXX for this same type of practice. I've called both of the branches involved. I've spoken to many representatives and supervisors. We are not getting this resolved in a timely or satisfactory manner. The statement shows a charge for XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX CA for {$210.00}. Again, we used a different card for this purchase. It was not charged to Citi Sears Mastercard 'shop your way. '

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 2019-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have written to XXXX XXXX two times and called them asking them to close my account yet they continue to send me bills adding in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have noticed that WF PLL have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested WF PLL and XXXX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-10-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my XXXX XXXX and Equifax scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX and they said they would email me as they are escalating the issue. i have not received any such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2019 I sent {$15000.00} wire Transfer to XXXX as part of a purchase of commercial property in XXXX. Navy Federal is my Bank here. The Money was immediately returned because the  XXXX Authorities needed additional information regarding the person receiving the money. Navy Federal sent the money again XX/XX/2019. However this time I needed to send {$15000.00} because of their delay the first time. To-date, the Money has not  arrived in XXXX and Navy Federal can not tell me where my money is or when it will be returned to me. They have completely breached their fiduciary duty and handled this situation in a negligent and irresponsible manner. Navy Federal claims that they made the wire transfer using XXXX XXXX XXXX. I just know Navy Federal was responsible to handle my money in a responsible manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: NC

Complaint narrative:
I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XX/XX/XXXX, I sent my payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I tried to file a complaint with transunion but the online dispute website was down at the time.

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