vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2018 my wife and I went to XXXX XXXXXXXX XXXX in XXXX, WA and ordered drinks in the amount of {$29.00}. When we left -- in a hurry -- we filled in the total to be an even {$30.00}, and signed for it. When we got home, we calculated that the tip was only {$0.00}. However, we discovered that they charged us a total of {$35.00}. I disputed the overcharge with CapitalOne and they immediately made a purchase adjustment on my account in the amount of the extra {$5.00}. The same day, the XXXX, I scanned my receipt and uploaded it for them to pursue the case ( Case number : XXXX ). Without further communication, on XX/XX/2018, I was charged for a " transaction rebill '' in the amount of {$5.00} for the Dining purchase made on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems , Inc., need to remove the {$1900.00} debt by a company that does not exist XXXX XXXX and neither was I notified of this debt by either party. I would like this item removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I noticed I have fraudulent hard inquiries in my credit report, I realized something was wrong after I log in to my Experian account. I immediately contact Experian and the creditors to let them know I was being a victim of identity theft. XXXX contact me after 3 suspicious applications under my name, I immediately lock my Experian credit report. Please remove from my credit report these fraudulent hard inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-30 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: NV

Complaint narrative:
TransUnion still reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX 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 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc.
State: GA

Complaint narrative:
The amount of {$3700.00} should be removed from all credit reporting bureaus immediately. XXXX and XXXX the company was contacted in these regards : - )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: LA

Complaint narrative:
Disputed an account to Equifax on XXXX XXXX, which belong to Ex-Husband and asked that it be removed as I had no financial responsibility on his account. Account remains verified as authorized user on my credit file. I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have repeatedly called Navient private loan Lender about my very large debt and large student loan payments that I cant afford after my chapter XXXX bankruptcy ended in XX/XX/XXXX of 2018. I received a letter in XXXX demanding repayment. I called an set up a smaller repayment plan in XXXX but I am still getting late notices and they keep trying to charge me for late charges and what is left over after the payment plan which I have explained to Navient reps over five times since XXXX. I am struggling to pay the lower amount which I have been told will end on XXXX. I cant even pay on my federal loans at this time because of the private loan debt. The reps are always rude and not helpful at all. I struggle to try and get any help from this Navient and there is always the looming threat that they are going to charge me the back due amount, since they have my bank account information. They are still holding my account in past due status even though I fulfilled the three month payment obligation earlier this month. Even with a payment plan I get email notices demanding I pay over {$1000.00} in late charges and past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, XXXX, and Experian, but I was unable to complete my request. The Experian site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.

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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, Transunion, and XXXX, but I was unable to complete my request. The XXXX  site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.

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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of Equifax, XXXX, and XXXX, but I was unable to complete my request. The XXXX site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There is information on the equifax report that I never incurred. I have asked for an investigation to be initiated which was done and I was given a reference number to that fact. I never received the results of the investigation. Furthermore Eqifax states they can not verify me. If that was the case then how would they give me a reference # XXXX   and let me know the investigation is in process The information that I requested to be removed since it is not mine is as follows : 1 ) XXXX   opened XX/XX/2015- XXXX XXXX XXXX.

2 ) XXXX   Opened XX/XX/2013-XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, 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 explanation
Consumer complaint received 2018-12-30 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: IL

Complaint narrative:
I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, 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
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Government benefits were taken and deposited into a bank account using my hiding government benefits and/or spouse benefits. Also using my Social Security number last digits to take advantage of my trust under a unknown minor. Deceptive trade practices, fraud alert, and Capital Offense making a financial gain on unauthorized asset management. The system is flawed an oversight. I have the right to seek damages from BBVA Compass CA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent over 6 requests to have inaccurate address removed from Experian Credit Bureau ; on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each request has never been answered and never removed.

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 2018-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion enclosed is a copy of reinvestigation that account removed from my credit report sent to the CFPB in a response please remove this account XXXX /XXXX XXXX XXXX this is not a dispute but to send you actual facts this account is to be removed after reinvestigation was done. enclosed is a legal statement of fact response to a Goverment agency on this case

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 2018-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX, for about two and a half years I have been working on my credit through XXXX XXXX, when I started my score was around a 450, I took all of the necessary steps to improve my credit to present day and it is now at a XXXX. I have a lot of credit inquiries from car shopping and now the only reason I'm getting denied from some of the Banks is because I have too many credit inquiries. From what I thought and from what XXXX XXXX  explained, there is a up to 45 Day Grace period When shopping for loans of the same type.And you will not be penalized for each individual credit inquiry, this is not the case, every individual credit inquiry is on my credit report and is now working against me after all of the work I've done to repair my credit .I have XXXX young children and I'm a single father and the only vehicle I have is my work vehicle which I can not use for personal use. From what I understand inquiries stay on your report for 2 years but unfortunately I don't have this time to come up with a vehicle, all of my credit inquiries are for an automobile purchase, I would like the two reporting agencies TransUnion an XXXX that report on XXXX XXXX to take a look at this and remove any inquiries that we're not group together under the same loan type policy. I've tried to reach out to them and it is difficult. Thank you for looking into my matter it is very much appreciated. My email is ( XXXX ) and my phone number is XXXX 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 2018-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
I I have a complaint with the authorities today and updating this complaint. I have received an alleged debt on a date that I was at work!! I have emailed them a letter and sent via certified mail. This is clearly a false debt. I also enclosed my time card on the alleged dates of service. I am clearly being a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper the loan servicer requires an escrow account for XXXX county property taxes. They are due in two installments. One in XX/XX/XXXX and one in XX/XX/XXXX of the next year. I am in the Calif Property Tax Postponerment program for low-income seniors and Calif pays these property taxes. They pay both installments in XX/XX/XXXX. But each year Mr Cooper pays the first one in XX/XX/XXXX even though I've repeatedly told them not to. So I have to get back the double payment from XXXX county which takes a lot of time and trouble. It is over {$3400.00} and I'm really not able to do without this much money. Furthermore Mr Cooper keeps me paying into escrow for the 2nd installment which has already been paid! 
I have repeatedly contacted Mr Cooper 's representative XXXX XXXX about this and he is absolutely unwilling to help. He has hard copies of the paid taxes from the county but refuses to credit them and does not respond to email or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: SC

Complaint narrative:
I foolishly in desperation took a payday loan with an online tribal payday loan company. I borrowed {$500.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$500.00} loan I should have to payback {$570.00}. I have mailed my first payment of {$140.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$430.00}. The payment of nearly {$300.00} per month is excessive, predatory and pure greed. I will pay {$50.00} every two weeks beginning XX/XX/XXXX until the {$430.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SFS, Inc
State: SC

Complaint narrative:
I foolishly in desperation took a payday loan with an online payday loan company. I borrowed {$300.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$300.00} loan I should have to payback {$340.00}. I have mailed my first payment of {$90.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$250.00}. The payment of nearly {$200.00} per month is excessive, predatory and pure greed. I will pay {$25.00} every two weeks beginning XX/XX/XXXX until the {$250.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.

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 2018-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2018 Capital One agent " XXXX '' ( ID # XXXX   ) sought out and contacted my ex-husband ( of 9 years ), who was never listed on the account in any capacity. Neither his name, phone number or any other information was ever associated with the account. 
After calling him, the advisor verified my name and social security number with him, which he obviously would have knowledge of as my ex-husband. He claims that he made it very clear that we were not married and have limited communication. Despite this, the advisor disclosed detailed information about the account and its balance, as well as offered to set up a payment arrangement and/ or settlement. It is my understanding that he declined this and advised the representative that she would need to contact me. 
After receiving a call from him regarding this matter on the same day, I called Capital One and spoke with a supervisor " XXXX '' ( ID # XXXX ) who claimed that this was a regularly used method by the company to reach debtors. I asked that the account be discussed with no others persons beside myself and was told " they would do their best ''. Additionally I asked to have the account notated that no discussion with my ex-husband in particular is to happen. I was advised that she would notate the account, but couldn't make any promises, however that I could send a written complaint/ request to Capital One General Correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I responded to a brochure describing a checking account that once opened would give you a {$200.00} bonus once you initiated direct deposit of social security benefits if received within 60 days after opening. I opened one XX/XX/XXXX and that same day redirected my soc sec direct deposit from XXXX XXXX to this bank BBVA Compass. However it will not occur until XX/XX/XXXX missing the 60 day cutoff due to soc sec inability to do things fast enough. 
I tried to get an answer from BBVA about whether I could still get the bonus considering these circumstances but they will not commit to it.

Company response to consumer: Closed with explanation