vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 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: CA

Complaint narrative:
I moved to XXXX XXXX last year, but was traveling a lot for work and ended up moving to XXXX XXXX. I wanted to open a credit account to build a strong credit score so when I was buying stuff at XXXX XXXX, I signed up for their credit card system not knowing they had put an outstanding balance of XXXX XXXX This was 8 months ago. I never received the credit card, therefore I still to this day have never used the card and have no idea where it is. Then I started getting calls from 'unknown ' saying I had to pay XXXX $ about 3 months ago, so I thought it was a fraud because they didn't specify where they were coming from. Then more unknown, or random numbers were calling me saying I owe XXXX $ to XXXX XXXX. I explained to them I have no idea why I would owe them that because I never received the card therefore I couldn't go online to pay whatever outstanding balance was on my card because I couldn't sign in without the credit card number and information in the package that was supposed to be delivered to me. My hands are tied. I kept trying to find a number to call back but could never find one. I  finally spoke to someone and just asked if I could pay whatever it is over the phone to settle this not knowing how deeply it affected my credit score. It's clearly a very, very sneaky system. My credit score is now very low because of this and I'm hoping to sign a lease for a new apartment in XXXX. I'm XXXX years old trying to start adulthood in the strongest way possible and this was a serious shock when I saw that my credit score was so low when looking to see what it is so I can find an apartment to call home and start my own life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a written communication request as well as a debt verification letter. This was well within the timeframe to send the letter, as I was given a 30 day notice around XX/XX/XXXX in letter form in which I could contact for a debt verification letter. 

I never received a response back from the collector and now, after a no th, suddenly, the calls have started back up again despite my request. Throughout XXXX, after sending the letter, I hadnt received any calls. Now, come XXXX, its the same process of an automated sounding male spewing the same lines over again from Capital Solutions in XXXX, OH. 

Rough timeline : XX/XX/XXXX phone call XX/XX/XXXX phone call XX/XX/XXXX letter received XX/XX/XXXX sent request out XX/XX/XXXX phone call XX/XX/XXXX phone call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DE

Complaint narrative:
Below is one of many communication sent to XXXX in which I outline my concerns. 

I am writing to request an itemized listing of my eligible payments for PSLF from XX/XX/XXXX to present. I recently received a denied PSLF application listing ineligible number of payments as the reason for the denial, which I feel is error. 

My last payment list XX/XX/XXXX online in detail 62 eligible payments while requested to have additional payments researched. A request that wasn't fulfilled until the submission of my request for forgiveness application was submitted. And since which I have made almost 36 more payments that haven't been accounted for on the letter I received today XX/XX/XXXX. Please either have a supervisor contact me or someone with contact information for the Department Education that can assist in reviewing my account because I have had very little success with your company as a loan servicer. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: Navient Solutions, LLC.
State: ID

Complaint narrative:
department of education navient said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX combat veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I started to file bankruptcy. Before I finalize the discharge I talked with a bank manager at my branch about my personal credit line over draft of XXXX attached to my checking acct, I was told that anything or over draft that at the time was not going to have any effect with filing BK and will remain open as I continue paying my monthly payment I will have access the use of this acct. So my BK was discharged XX/XX/XXXX. I was notified by letter two years later XX/XX/XXXX after BK Chapter XXXX discharged that they noticed I filed BK Chapter XXXX and they were closing the use of my overdraft personal credit line protection due to BK filing discharged if knew that they were going to close my acct anyways I would have continue making payment to it for the next two years after bankruptcy never late and always making a payment, at the time so since I was told one thing by bank manager in XXXX XXXX XXXX XXXX handling my acct and two years after discharge a totally different scenerio With letters attached. Im not going to pay off and should be not a open negative acct since I could have added to my BK. This is not fair and I want to be compensated for bad open neg acct by how it is reported taken off My credit report and discharge on my BK or just forgive debt, or reopen acct for use and I will pay it off if they reopen it these are the options and as fair consumer finance operation and integrity of Rabobank and our Government It should be resolved, without it stressing me out or my credit report. Thank you and I wait your response XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX  veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.

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 2019-02-16 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Amscot Corporation
State: FL

Complaint narrative:
On XX/XX/2019 Ive been using the XXXX XXXX XXXX ( over the Internet ) by trying to send a few dollars to my relative in XXXX. As usual, the XXXX XXXX has done a good job, counting and giving me a final bill. All I have to do is left is to drop off the money to the agent. No additional fees. 

Around XXXX XXXX I have stopped by the XXXX XXXX XXXX to ask them if they are the agent of the XXXX XXXX and can I drop the cash here. Since then, for about the forty minutes I have been harassed or/and discriminated by scam artists from XXXX XXXX XXXX. 

The employee of the XXXX XXXX XXXX. Mr. XXXX XXXX ( and two more of the employees ) has attempted to defraud the myself by violating my civil and constitutional rights as well as trying to trick me by demanding financial and personal information in addition to pretended services, as well as attempted to defraud by trying with intent to obtain property ( cash ) by false or fraudulent representation. 

At the end of the forty wasted minutes they have produced me a bill of fraudulent {$320.00}, which was {$19.00} more then the original XXXX XXXX bill. 

Next, I have been trying to contact the XXXX XXXX XXXX. Customer Service That is very poor customer service! The pirates from the XXXX XXXX XXXX saved and protected by their Very Poor Customer Service. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Website : https : //www.amscot.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I called Chase multiple times before using my card to purchase travel to verify how the redemption process works In XXXX   2019. I was told each I could redeem towards travel however I was never told the travel had to be purchased through Chase. I asked for the calls to be reviewed and was told it would take 3 weeks and pretty much called a liar. I am leaving the XXXX and need a resolution due to misinformation. I spent {$4000.00} and cant redeem my points earned towards my travel purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: NY

Complaint narrative:
On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys

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 2019-02-16 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: NY

Complaint narrative:
On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys

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 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I made a XXXX mobile check deposit to capital one in XX/XX/2017 THEY wouldnt release funds saying it was suspicious I called hundreds of time and was ALWAYS directed to security dept. which a live person never answered or called back. After 5 months I notice there was an electronic funds withdrawal for the XXXX not made by me and capital one had no explanation and soon after closed my account after I called and was directed to security dept which I left several messages NOONE ever got back to me and sent me a check for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One performed a hard inquiry on my Credit File without disclosing or asking permission after issuing a Credit Card to my Corporation. 

The Corporation has a good XXXX and XXXX and Capital One without authorization or notification pulled a personal credit file. 

Furthermore this hard pull was completely unnecessary as I have been a customer of theirs for over 4 years. They could have just as easily seen that i have NEVER had a late payment. They could have done a soft pull to satisfy their own curiosity if needed I need to reiterate this was a Credit Card issued to a business. A corporation and not an individual by any means. I did not sign a personal guarantee. 

There was absolutely no justified reason that this should have happened. 
When i called them to complain and demand that they remove it, i was given the run around and eventually told that they didnt KNOW HOW or KNOW WHO could undo their misdeed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Looked at my credit report and saw comonwealth financial added items to my credit report when I did some research one item that is listed as me owing XXXX is beyond statue of limitations in the state of Florida also another item was removed in XX/XX/2018 for the exact reason this company has not sent proof of debt or notice to me with date of original service but has re aged the debts to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: MN

Complaint narrative:
XX/XX/2019, I have disputed the following accounts, 1. XXXX XXXX XXXX {$0.00}, and ( 2 ) XXXX XXXX {$9500.00}, these accounts does not belong to me, and when I disputed them, Equifax is the only credit agency that claimed that they verified the accounts. Now I'm requesting The Method Of Verification used to verify these accounts. I would like to know inwhom represented the investigation from Equifax, the name of that employee, also inwhom did they speak with, what day, date, and hour. Also what was the means of communication, phone, fax, mail, text, email, etc. Please provide me with all requested information. And in accordance with the FCRA laws, if this is not met in a timely manner then these accounts shall be blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: MN

Complaint narrative:
Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX  ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.

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 2019-02-16 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:
Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2. XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX) 5. XXXX   ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX) And I would like these inquiries removed immediately, or provide me with physical documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX  ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX  ( XXXX ) 6. XXXX ( XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.

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 2019-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX  website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my finacial/banking information for additional payment. Ii is unclear to me whether or not this information of mine can be assimilated to other accounts for access to my checking account. I have made multiple inquires to XXXX XXXX  to have this information removed. They stated the payment was done by a third party service, XXXX, offered by XXXX XXXX. They also stated they are unable to remove my information from their website and that only XXXX/XXXX  XXXX can do so. I frankly find it difficult to believe a company can not remove information from their own website. The payment was entered on the date indicated above. It was posted to XXXX XXXX  's website immediately. The account number it was posted to is : XXXX. Account holder is XXXX XXXX. XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/XXXX  XXXX is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as XXXX XXXX XXXX. There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.

Company response to consumer: Closed with explanation