vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been denied by over 160 rental applications. XXXX, XXXX and Equifax are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
On XX/XX/2018, a fraudulent savings/checking account at First Tech Credit Union was opened in my name. On XX/XX/2018, I discovered this fraudulently opened account via a First Tech account statement that was mailed to my home. 

I had no knowledge of this account, I did not open the account nor did I authorize anyone to open the account in my name. 

On XX/XX/XXXX, I sent a letter via certified mail to First Tech 's Fraud  department in XXXX, Oregon. The letter stated that I had no knowledge of the account, that I did not open the account or authorize anyone to open the account and requested that First Tech take  immediate corrective action on this account. Further, I required that First Tech notify me in writing that corrective action was taken or that they notify me the reason ( s ) why corrective action could not be taken. 

The certified letter was picked up and signed for by a First Tech employee on XX/XX/2018. To date, I have not heard from First Tech regarding this matter. I called First Tech 's customer service XX/XX/2018 and discovered that the fraudulent account is still active and no actions have been taken by First Tech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: MI

Complaint narrative:
Hi I'm XXXX XXXX .My direct deposit from XXXX XXXX  supposed to be on my card today XX/XX/2018 but it's not here it's the next day now an the 48hr advance direct deposit have my bills late. I called my job and they told me that NetSpend haven't released nobody funds. Please fix this problem or I'm taking legal action against NetSpend and XXXX. 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 2018-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I bought a new XXXX XXXX XXXX from XXXX XXXX dealership FL. When I bought the vehicle I traded in XXXX  XXXX XXXX. Within one month after buying the vehicle, the car had a dangerous brake failure while driving. I brought the vehicle back to the dealership and requested to take the car back. I requested to return back my trade in value vehicle or equivalent. My request was verbally denied. I understand that brake failures can happen but it was a new vehicle with less than 1500  miles. The remedy I am requesting is to cancel the contract without any negative impact on my credit standing with full recovery of the trade in value amount. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Several years ago I cosigned an auto loan for a friend with Santander.

Santander would say payments were late the day after he'd just made a payment. He would contact Santander and it would be straightened out. Several times he worked out payment plans with Santander and he was assured everything was taken care of.

This seemed to happen quite often.

It seems the problem is the company 's lack of communication from department to department. The department he'd speak with making a payment plan somehow never advised the billing collection department that an agreement had been made.

Since I was not the actual owner of the vehicle ( just cosigner ) I was not really made aware of these issues. I'd receive a letter a few times and I'd be told it was all taken care of by Santander.

In XXXX  of this year I was advised by the owner of the vehicle that the car was repossessed by Santander.

I was never given any notice that this was going on.

But my credit has gone down the tubes and Santander states I owe them {$5400.00}.

Nor was the owner of the car aware this was going on. In fact they were actually going to trade the car in the following weekend.

If you look at my credit records they are excellent except for this one loan from Santander. I find it unfair to hold me responsible for something I was never made aware of.

This ding on my credit report is causing me great hardship at this time.

I've read up on Santander and there are reports after reports of their poor business practices and lack of communication within their own company. They have recently gone through 3 CEO 'S.

I went as far as to email the CEO personally - to date I have not even received an acknowledgement to my email.

I do not have paperwork ( except for my letter to the CEO ) as it was always sent to the car 's owner - Mr. XXXX. He would also be happy to provide you with whatever you may need as he is the one who has been dealing with Santander all along.

I'd appreciate any help you can provide in clearing this up and getting it off my credit report.

Sincerely, LW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Cfpb I am making a complaint about NAVIENT SOLUTIONS and they also have another name dep ed navient they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: TX

Complaint narrative:
My Direct Deposit was sent XX/XX/2018 to XXXX nothing has changed, and nothing is wrong with my account. I have continuously contacted Netspend and they continue to tell me yes they have a scheduled direct deposit available for Netspend since XX/XX/2018 - It is XX/XX/2018 and they are telling me that XXXX has issues, and has not released funds to them, and they can not release the direct deposit funds, and there is no further explanation and I have no paycheck, no explanation no money and I have bills and medical things to handle and am very scared. This has to be a Theft of Services and I need my paycheck. XXXX Check # 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 2018-10-16 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: Westlake Services, LLC
State: TN

Complaint narrative:
I have requested bill of sale from Westlake Financial from where they sold the car i had. They repossessed after agreeing to a partial pay for one month. I have only gotten the bill, no XXXX  where sold or any other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In approximately XX/XX/XXXX or XX/XX/XXXX I notice unusual activated on two on my credit cards ending in # XXXX and # XXXX which are the new cards that Bank of America issued. When I notice the activated I went to my branch office and reported it. we requested that all account be closed and open new ones. they filed a fraud report and advise that I just replace the credit cards, so I did. The new cards came in about a week later with instruction on activating then, I called to activate them and they refused to do so said they were investigation the account, i replayed that they should since i reported it. I since have have had several conversation with branch office and credit card division the branch office didn't seem to understand what was going on. I ask the credit card division if they were not going to reopen the card to lower the interest rate and either combine the cards together for a lower payment since i could not use them. They replayed that I was making the payment and that they could not do that. As of the middle of XXXX the credit cards have been taken off line which is how i look after them and make payments. 
I feel that they have mishandled the case all the way around. I do not feel that I should have to pay high interest rates on accounts that I can't use. I thought I was doing right in reporting the activated on the 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 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I didn't know that I had any debt outstanding with XXXX XXXX I never received a letter, email or anything else. When I found out that I had an outstanding balance on my XXXX XXXX card, I paid it in full. But it negatively affected my credit score, without ever giving me any sort of written notice that I even owed anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XXXX. I responded in XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I didn't receive any notification about the debt- I did get a number of phone calls from random phone numbers with no voicemails. I had no idea that I owed any money. When I found out, I paid the debt off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My school refund in the amount of {$1600.00} what is released to American Express Bluebird for direct deposit and should have posted to my account today XX/XX/2018, yet it has not posted, and when you try to call the bluebird customer service number on the back of the debit card there is no option to reach a representative, the only way to reach a customer service rep is to choose the option of reporting the card lost damaged or stolen, then after choosing that option it transfers you to a line that has a busy signal that hangs up on you completely disconnecting you from their line leaving customers unable to reach a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX    XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax XXXX - you removed XXXX  XXXX from the report { was reading { XXXX XXXX } No response from XXXX  XXXX sense I started disputing this 6 months ago please explain why XXXX XXXX was removed from report I have sent you evidence that XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014 enclosed are incoming and outgoing responses to this matter, it is clearly visible that XXXX  XXXX refused to respond and there is No evidence this was made by me. You Equifax keep claiming its been updated with old information and have not did an investigation as you claim has been done, You state if the information can not be verifiyed it is removed this is the evidence enclosed its not my account I never made it and it was fraud. Under the FCRA this should of been removed a long time ago Please remove it

Company response to consumer: Closed with non-monetary relief