vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-07 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Please consider my request for support and assistance to have XXXX XXXX  Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have enrolled in the Income Driven Repayment Plan through Navient. I have struggled with this company since 2013 to repay my loans. I have gone into forbearance, deferment, and multiple Income Driven Repayment plans. I am a XXXX XXXX and attempting to repay my loans to the best of my ability. I am now enrolled in a XXXX XXXX/month repayment plan and have been been paying XXXX XXXX/month in order to put more towards my principle and pay off my debit faster. My recent payment of {$200.00} was posted and ALL of my payment was put towards the Interest! How is anyone capable of repaying a debt when nothing is going towards the Principle? Also, I have been attempting to raise my credit score ( as I am looking to purchase a home ) and after Navient posted my payment, my credit score drastically dropped as my total loan had RISEN {$110.00}! When researching how to get help with these loans as I went to school for XXXX XXXX ( which the job field was projected to rise ), I stumbled across four class action lawsuits and multiple borrowers who are also facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went into Mega Value Furniture on XXXX/XXXX/XXXX to purchase furniture in the amount of {$4700.00} A handwritten order was completed that stated my terms were going to be 18 months interest free, however they presented me with a credit authorization slip to Citibank ( who I opened an account with in the store ) for 30.49 %. I started to sign the slip only completing the 1st two letters of my name XXXX and refused to execute the transaction due to the contradiction and wanted something more official than a handwritten contract that confirm my interest free terms. Against my better judgment I accepted the word of the sales representative and left the store waiting on something in writing from Citibank ; however when I received the letter from Citibank it stated my promotional terms were UNDER REVIEW and a DECISION whether they would honor them would be made within two billing cycles. 

I then went back to store after receiving this letter XXXX and demanded they cancel my order and REFUND ME in FULL. I followed this request with an email in writing because instead of them trying to honor my request they were busy trying to FORCE me to accept a verbal guarantee the terms would eventually be honored. 

To protect myself I disputed the {$700.00} with XXXX which they have refunded to me and the {$4000.00} with Citibank. Citibank has completed there research and sided with Mega Furniture although I DID NOT sign the credit authorization slip. 

Citibank finally agreed to the terms on XXXX/XXXX/XXXX but because of the unclear terms I had purchased my furniture with another store who I deemed far more trustworthy. I told them if they has simply given the information in writing from the onset this could have been avoided. They refused on three occasions to provide clear and concise terms, at purchase, when I returned to the store and after I disputed the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient has been adding more money to my balance on my # 4 stafford loan. This has happened twice. Once in XXXX and then again now in XXXX. Talked to them once about first time and gave me no excuse for this nor did they fix it. This last time they added over {$600.00} extra to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my TransUnion report from 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 2018-01-07 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: VA

Complaint narrative:
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax report. I also have XXXX hard inquiries on my XXXX report from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed cash advance against my citi bank credit card on XXXX 2017 for an amount of {$140.00}. I called citi about the transaction since it was a fraudulent transaction and the customer service rep. told me that the amount was withdrawn using a cash advance check. When I informed them that I had this was a fraudulent transaction, the bank assured me that they would investigate the transaction. I called the bank again and they told me that they would refund the amount. I asked them to also close the account since I was not using the credit cards and the customer rep. assured me that the they closed my accounts and the issue was settled. 

A few months later I received a letter from citi informing me that they had requested additional documents from me ( I did not receive any additional communication from them ) and since I did not respond to their request they charged me for the {$140.00}. I had auto pay setup on the account and this money was deducted from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: LA

Complaint narrative:
On XXXX XXXX, XXXX I opened a dispute with Experian on the alleged Bankruptcy that is being reported under my profile. On XXXX XXXX I received my results. HOW IS THIS POSSIBLE? They DID NOT INVESTIGATE the alleged account. I have enclosed the letter from the court house saying they do not report to the credit bureaus and that if they need to get the information they would have to send an employee to get this information, which they never do and DONT DO!! Therefor they are reporting INACCUARCY and damaging my name and my rights. They NEVER VALIDATE or VERIFY and send me ; the consumer PROOF!! Enclosed is the letter from the courthouse and proof of dispute and how quick they just came to this CONCLUSION!! I will be filing with the XXXX and the XXXX XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was contacted by Equifax about a person inquiring about my credit. We are attempting to get a mortgage. I have only given two sources permission to check my credit money source and e mortgage. I attempted to file a dispute with XXXX XXXX, and this is my second time trying to file a separate dispute, and each time they ask questions that even though I have the answer, does not put me through on the system. So the only way that they are receiving any information is by mail which takes weeks. You 're making no attempt it all to resolve issueS thru email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
My complaint is against Financial Data Systems. This is my 4th or 5th complaint. 1st let me explain they have been removed from my credit report before, with the same amount owe, but still seems to pop back up on my credit reports which is illegal. The last complaints I filed through CFPB, the Company stated they had advised the Credit Bureau to remove this from my file. This company does not have the right to collect on a debt medicaid has already paid for. This again is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with Transunion and XXXX about UNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had mlthe fraud alert added till now were NOT AUTHORIZED and I asked to have them investigated and removed " Transunion '' completed their investigation on XX/XX/XXXX & XXXX completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, over 2 weeks ago, XXXX XXXX XXXX, d/b/a " Coinbase '' XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, made two purchases from me and agreed to wire the purchase prices of {$15000.00} and XXXX ( total of {$41000.00} ) to my bank, XXXX XXXX XXXX XXXX, to my checking account. I have paper documentation on this. 

As of today, XX/XX/XXXX, XXXX XXXX has failed to make payment. XXXX XXXX is in the unlawful possession of over {$40000.00} of my money. XXXX XXXX engaged in " fraud in the enticement, '' indicating his willingness to engage in a fair sale with no actual intention of paying for the merchandise, nor the ability to do so. 

Far from denying the allegations, XXXX XXXX admits to it on the " Coinbase Support '' XXXX feed, dated XX/XX/XXXX, XXXX, Where he says, quote, " We are processing a backlog of outgoing wires from XX/XX/XXXX''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX while trying to get things in order i pulled my credit report and saw that someone had XXXX things in my name i went to the police deparment and i was told i need more information so i started doing doing this on my own this first company simple XXXX XXXX has me down for {$410.00} and this started on XX/XX/XXXX now i reached out to them after XXXX there name i dint have a account number and i spoke with the supervisor XXXX who looked into there system to tell me they have no one under my name at that date or time and that they have no record of any one name XXXX XXXX i was then told to reach out to there CORPORATE OFFICE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I did call and was talk to very nasty by a XXXX and then they hung the phone up on me when tried to call back the recorded said they were close all i want is this resolve this account is not mine they cant find no recorded and i want it of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 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: DISCOVER BANK
State: LA

Complaint narrative:
On XX/XX/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''. 

XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same  response. 

As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I tried to transfer over {$1400.00} dollars from Coinbase.com to XXXX.com and my money has been pending on XXXX.com for over 6 days now. I have emailed them for customer support, opened a support ticket, and tried calling but they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX 2017 60 days late as of XXXX 2017 90 days late as of XXXX 2017 90 days late as of XXXX 2017 I am not sure how this happened. I believe that I had made my payments to you when I received my statements.

Company response to consumer: Closed with non-monetary relief