vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient has been encouraging me for years to continuously go into forebearance during hardships rather than offering any interest rate or plan, bad advice thats added thousands of dollars onto my debt. I feel they have misled me and even denied to share about any options I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
XX/XX/XXXX Filed initial dispute with TransUnion and included bank record showing payment to the account # XXXX. 

XX/XX/XXXX Received dispute results that verified the account as accurate. 

XX/XX/XXXX Sent letter to TransUnion to file a repeat dispute. 

XX/XX/XXXX Received letter from TU saying the information disputed was not currently on my credit report. 

XX/XX/XXXX Talked to a supervisor in TU 's dispute unit named XXXX or XXXX. He explained the dispute process as a matter of sending a code to the creditor organization together with my documentation and getting their response. I asked him if he exercised any independent judgement about the veracity of my claims and documents. He was vague in his response although he agreed that bank documents were important. The problem is there is no real investigation by a neutral party. They merely take the word of the XXXX XXXX which in my case is the culprit by their negligence in not posting my payment to the correct 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 2019-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX responded two weeks ago, but I have yet to hear back from Experian or 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 2019-02-12 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: CA

Complaint narrative:
I am a victim of credit card fraud and identity theft. I submitted my complaint to Equifax fraud department on XX/XX/XXXX alone with a verified police report of the theft. I also discovered that I bacame a victim of identity theft during the Equifax Breach in XX/XX/XXXX after not receiving my social security XXXX deposit. My credit has been affected negatively lowered credit score by 200 points therefore affecting my personal and business credit making it difficult to achieve government contracts. I am XXXX  % service connected XXXX veteran in college full time and am in need of help with this issue. I resubmitted my information to Equifax fraud department again in XX/XX/XXXX, and still have not gotten any response. Thank you in advance. Please give me the benefit of the doubt that may arise in your decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: NY

Complaint narrative:
As you are well aware, XXXX XXXX XXXX XXXX XXXX is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in multi-million dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current TransUnion and XXXX credit reports are showing that on XX/XX/2019 XXXX XXXX XXXX XXXX  XXXX reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information XXXX XXXX XXXX XXXX reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap. 

Im tired of XXXX 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.

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 2019-02-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting company Equifax is continuously reporting personal information incorrectly. 

A second address that is undeliverable for mail. 

A middle name that is not authorized due to identity theft in XXXX, 2018. 

Employment should be blank due to ID theft. Birthdate and last 4 digits of social security number should be blank also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: NC

Complaint narrative:
In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX  responded two weeks ago, but I have yet to hear back from XXXX  or Trans Union.

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have 2 hard inquiries on my credit report from some place called Syncb/XXXX XXXX in XXXX, FL. One is  from XX/XX/XXXX 2018 and the other from XX/XX/, 2018. Their phone number is listed as ( XXXX ) XXXX. I have no idea who or what these are, and they should not be listed in my credit report either. It seems to me my credit was improperly handled and misused by whoever this company is. Can you please take steps into investigating this, and have them remove these from my credit reports, please? 
I am having the same issue with a hard pull from XXXX XXXX in XXXX XXXX XXXX UT on XX/XX/XXXX2018. I am not sure if they are pulling it on their own, or if someone is doing it without my knowledge. Please investigate this one also, and ask them to remove it from my credit reports. Their phone number is listed as ( XXXX ) XXXX. 
Any assistance is greatly appreciated!

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 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new Citibank checking account on XX/XX/2018. Part of the terms of the new account was a {$400.00} new customer promotion for depositing $ XXXX in funds to the account and maintaining the balance for 90 days. I did this immediately, the funds hit the account on XX/XX/2018 and were maintained for >90 days. At that point, I was told by a customer service rep at the end of XXXX that I had successfully fulfilled all of the terms of the promotion and should hear shortly about the bonus. On XX/XX/2018, I received an email from Citi noting that I had indeed fulfilled the terms of the promotion and would receive the {$400.00} in the next 30 days. I waited until XX/XX/2018 and did not see the funds deposited to the account. I then reached back out to customer service to inquire and was told that an dispute was filed and that I would hear back shortly. I still have not heard anything back from Citi and have not received the promotional offer. After searching around the internet a bit, this seems like common practice from Citi.

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 monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I received an alert that my SSN was used at a location that was not my address to file for a credit card. I was unable to dispute the charge on Experians website. Before I could call it logged me out.

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 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I submitted a payment through my USAA app using XXXX of {$600.00} on XX/XX/2019 to a person posing as a dog breeder. The payment was for a puppy that was never received. I called USAA and filed a complaint with XXXX on XX/XX/2019. USAA told me that there was nothing they could do. XXXX contacted me on XX/XX/2019 stating that they do not offer any protection for payments made through their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Company calls, usually from XXXX XXXX every day. Robocall tells me to call back, I call back, but they say I am not in their system, and I have to wait on hold to speak with a manger to be put on their do not call list. Every time, they tell me I will be added to a list, or taken off the list, but their robocaller continues the harassment. They still can not find any record of my number, and call every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Identity was stolen several accounts were opened in my name along with several inquires i have sent in several documents to support this issue with NOHELP with removal of these negatives accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
This is actually Part 2 to the feedback I submitted earlier this morning after the company finally decided to respond to my original complaint on XX/XX/XXXX. 

MoneyLion takes days to respond to any email. I find it interesting they called ( XXXX ) and left a vm Friday XX/XX/XXXX in the am. I tried to call back later that afternoon and was on hold for several minutes. The menu never offered a " complaint '' department. I sent an email explaining I called back and didnt get to speak to anyone and advised them to email me. 

Yesterday I get 3 back to back calls from MoneyLion or as it says when you call back " XXXX XXXX '' and a vm from XXXX. I could not return her call yesterday. Then I wake up to this response conveniently after I have missed their calls. A whole 2 days and yet they took well over a month to respond to my complaint. 

I stand by what I said. I was told BOTH the membership and the loan would no longer come out of my account. I was NOT able to access my loan via the app after a certain time period. If I clicked on loan, it showed me a pie chart with the loan amount, due date and what was paid-that is all. 

Money Lion claims I use their services. What services? Please do explain how I benefited from this besides the loan? I can see the payment history, loan amount and balance remaining but what else? You say I'm still using your services for which the membership covers ... how? 
I havent logged onto this app in weeks-in fact it's no longer on my phone and hasnt been for awhile. 

I plan to repay this loan off as I did take it out but I will NOT tolerate half truths or MoneyLion trying to conveniently do things to point things in their favor such as finally calling me just days under the 30 days of the complaint and then jumping on here to respond just one day shy of the 30 days from the original complaint to make it seem like I am the one not cooperating. 

I called back XXXX this XXXX. She left the vm with an extension which once again there is NO option for. Spoke with XXXX and told her to have XXXX call me back or preferably email so I can document ALL communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NJ

Complaint narrative:
In the Summer of 2016, I moved away from Louisiana and settled all my debts. My cable company, XXXX XXXX, made a mistake in billing and charged me extra for services. It took me months, but I was finally able to have them tell me that my account was closed and I owed nothing. 

For the past three years, I've been battling them. They now say they never told me my account was closed, and say that I owe them {$120.00} in charges. They have harassed me many times about a debt that I do not owe, and their own customer service people told me that I do not owe them money. 

They then forwarded this debt to Afni, a debt collection company. I have sent them letters on multiple occasions explaining the situation, and they still harass me about this debt. It is affecting my credit, and I 100 % do NOT owe this money. I would like this false debt taken off of my credit report and for Afni and  XXXX XXXX to cease their 3 year long harassment of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: IL

Complaint narrative:
Im used to receiving emails when my payment is due. But this specific type of credit card didnt send emails. I bought a pair of socks for {$43.00} and even though I had the money to pay it off, I forgot about it and then ended up having to pay {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: NC

Complaint narrative:
On XX/XX/2018, I sent a letter to Equifax ; asking them to investigate errors on my credit profile. They were supposed to respond within 30 days but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: GA

Complaint narrative:
This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on XXXX credit report. I contacted XXXX and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to XXXX and mailed loan information to me. I then faxed information provided to XXXX. I was told by XXXX if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by XXXX & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and XXXX to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at XXXX that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to XXXX  and mailed me another copy which I faxed to XXXX as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: TN

Complaint narrative:
I was contacted this Morning by XXXX with Rauch Milliken International Collection Services.regarding a debt that isn't owed by XXXX, XXXX We advertised with XXXX  XXXX  for a short period 2018. The account was turned over to a collection Agency for a debt that isn't owed. XXXX XXXX the account representative for XXXX ran radio advertisement with out my written authorization for a extended period. 
Correspondence was sent to XXXX  accounting dept.stating we did not approve the advertisement to continue to be ran. XXXX  account representative XXXX XXXX is operating and selling advisements with no honesty or integrity. I also never received correspondence validate this debt as required by law after being informed I have 5 days to resolve this matter before legal action is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2019, I made a payment of {$320.00} on my credit card account. My credit limit is {$750.00}, and my balance is showing {$400.00} ; however, my credit limit is showing {$22.00}. I checked my account to see what was going on and I sent an email to see what was going on but never received a response. I contacted Capital One via telephone on XX/XX/2019 and was told that Capital One is holding the funds. Capital One has never held funds to my account in the past. Capital One has taken the funds from my bank account as of XX/XX/2019. Capital One has not notified me to explain why they have chosen to hold a payment in such a manner. This practice of holding funds for no reason is a shady practice. I far exceeded the minimum payment in an effort to get my credit balances down and Capital One is holding the funds, for what purpose? On my credit bureau accounts, it looks as though I am still using more of my credit than I am because it lists available credit. Capital One manages XXXX XXXX and it also fails to reflect the accurate information for my Capital One accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
Original complaint filed XXXX. We continue to have issues with XXXX XXXX  collection methods. After struggling due to spouses medical issues and lost time at work, we basically have a rolling 30 day delq. We had made arrangements to make a payment on XX/XX/XXXX, then another 3 wks later. We made the payment on the XXXX as promised. On XX/XX/XXXX, XXXX received a text : Fwd : '' XXXX we are sending tow truck and officer to come pick up the explorer for non payment thanks. '' I called this individual, named XXXX, who claimed to be employed by Pinnacle. He stated he was getting a warrant and coming with the police to get the car. I got him to back off, explaining we had an arrangement. I made the next payment on XX/XX/XXXX as promised. When is didn't clear our acct a week later, I called and found out the didn't post the payment per instr from XXXX XXXX. I spoke with XXXX and she said I needed to follow the instr in an email, which I did not receive. She sent a new email, stating we needed to complete a credit app along with sending a cashier 's ck for {$1200.00}, which is more than is due. I offered to send {$620.00} now and {$600.00} by the XXXX and she refused. If they would've posted the payment on XX/XX/XXXX, the loan would've been within 30 days. They didn't notify us that they weren't going to post the payment and haven't returned the payment. Insisting on a cashiers check when we have never had an nsf with them. I feel they didn't post the payment to allow the loan to show more delq. There practices continue to be unethical and I'm not sure what to due at this point. With the payment they are holding and I can afford another payment, then the loan would be due for XX/XX/XXXX, but they want the XX/XX/XXXX payment, that is not due yet and we don't have it right now.

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