vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I have been contacting OneMain Financial, who appear on my credit file as OneMain numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Global Lending Services LLC
State: IL

Complaint narrative:
I have been contacting Global Lending, who appear on my credit file as Global Lendi numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

Global lendi XXXX, SC, XXXX ( XXXX ) XXXX XXXX is the contact information I have listed for them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been contacting CBNA, who appear on my credit file as CBNA numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. I am still confused as to who this company is because it says XXXX XXXX XXXX XXXX, and other times at Citibank. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It is also listed on my XXXX   report XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. They are a result of fraud.

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 2018-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I received a home improvement loan through the Texas XXXX XXXX XXXX XXXX ( XXXX ) program ( loan number XXXX ). When the first payment was due, I had not heard anything about making a payment so I inquired as to where to send the payment. I then sent the payment to where I was instructed to. This payment was received and I my bank statement shows that the check was deposited. After this, the mortgage was sold to Gateway Mortgage Group ( new loan number XXXX ). 

On XX/XX/XXXX I received a call from Gateway informing me that I had not made my first payment and I was told that " If you don't make the payment your credit history will be impacted. '' I instructed them that I had, in fact, made the payment. I was then told Gateway had purchased my loan from the XXXX and the address I had sent my payment to was not with Gateway, after which I instructed to make another payment. I objected and told them they were the ones that had failed to do their jobs, not me, and they were now trying to punish me for their actions. I had done everything required of me and even more. It was not my fault that they had failed to get the deposits from the XXXX. And, now, they were calling up, threatening me, and demanding I make a second payment. The caller said it wasn't a threat because he had said, " if ''. I told him it was perceived as a threat and I feel any reasonable person would agree. I demanded that the caller take this up with his supervisor and they should call me back with the resolution. 

I have now received a letter from Gateway demanding I make this payment. 

I did what was required of me. I not only made the payment, but when there was no contact concerning payments, I reached out and found out where I needed to send it. Now, Gateway is threatening my credit history and demanding I pay double because they failed to obtain payments that had already been made to the XXXX when they purchased the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: GREAT WESTERN BANCORP, INC.
State: SD

Complaint narrative:
My ex spouse had a credit card for his business as his worry free for a checking account. He was deemed responsible For this account in the divorce and did not remove my name. Later he filed bankruptcy and this account was to be closed. It has not been closed and is showing up on my credit record. My name is not spelled correctly nor am I sure I actually signed it. Someone did but?? So between the divorce decree and the closed status through bankruptcy the bank will not close or remove this from my credit record the amount was {$2000.00}

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 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
A COLLECTION for {$50.00} was submitted to my XXXX Credit Report on XX/XX/2018. I do not know who this is and it is NOT my bill. 
XXXX/CAPIOPART Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/2018 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$50.00} Balance Updated XX/XX/2018 Original Balance $ 50 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
On XX/XX/2018, I attempted to send {$70.00} to someone using XXXX. The transaction failed on the app. under my activity tab, it does not show that the transfer was successful. Additionally, I never received an email stating that the transaction processed. The intended recipient never received the funds. However the {$70.00} was withdrawn from my bank account. On XX/XX/2018 I called XXXX customer service. They told me that they can see that the transaction failed and they are not showing that the money was withdrawn. They told me that I would have to contact my bank. After getting off of the phone with the XXXX customer service person, I called XXXX XXXX bank to file a dispute claim. XXXX XXXX issued a {$70.00} provisional refund and started the claim. On XXXX XXXX, XXXX XXXX denied the claim and took back the {$70.00} refund. I called both XXXX XXXX and XXXX multiple times on the XXXX XXXX to resolve the issue. Both companies keep telling me that there is nothing that they can do and that I need to contact the other company. I ended up sending the {$70.00} to the intended recipient using XXXX XXXX instead. I have not received my initial {$70.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2018, left a message at place of employment ( secondary contact ) with no call to primary contact number, to contact Bank of America. Auto payment was due XX/XX/2018,  without penalty by XX/XX/XXXX. This occurred in a prior incident when representative was rude to COWORKER stating the call was monitored and an attempt to collect a debt, then stated to me I dont know why youre upset youre the one not paying your bills. I spent the afternoon at local Bank of America branch updating my contact info in their computer and my payment history obtained and clarified never 30 days late, noted on my acct to NOT contact work number. Yet this has occurred again, no mail notice, no contact to primary number provided. NO help from BOA by phone.

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 2018-11-20 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: MIDCOUNTRY FINANCIAL CORP
State: VA

Complaint narrative:
Consistently made payments and company continues to report to credit bureau that payments are late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As of today, XX/XX/18, I noticed a pending transaction in my bank account in the amount of {$19.00} for TransUnion which I unknowingly signed up for several months ago when trying to do the free report. The previous withdrawals from my bank account escaped my notice until now. I have never received a single email confirmation or any correspondence to suggest that I was a part of a monthly subscription. I had no idea. Additionally, the email TransUnion had on file for me, after I went on today to cancel my account, was one they generated themselves which was blackhole @ tu. [ something ], which was completely unknown to me. 

I called today to cancel the subscription I never knowingly signed up for, and they wanted my social, address, and birthday. Not willing to give this information over the phone, I refused, and they were unable to continue to cancel the subscription. I found a link online to cancel it, and I will know if it worked next month at this point as there is still no confirmation email or any sort of in program confirmation page.

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 2018-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My last account with positive history was removed from my credit report due to 'multiple accounts closing '. Accounts closed due to collection accounts being paid off or collection accounts being removed. As a result, I lost 30 points on my credit report which I have maintained for XXXX for over 10-15 years and increased it to XXXX until this occurred. 

Reporting agencies subsequently changed the status but the creditor did not reopen the account. I did not request closure of account and it has adversely affect my score. 

Company name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been contacting COAF, who appear on my credit file as COAF XXXX Tx, XXXX ( XXXX ) XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018, I went to JP Morgan Chase to deposit {$6000.00} via ATM machine. However, the machine got jammed and never returned the money back to me. I immediately spoke to the Chase staffs in the branch and the branch manager helped me to get {$6000.00} temporary credit. On XX/XX/2018, I received the mail from Chase Customer Claims Department saying that this {$6000.00} temporary credit will be reversed on or after XX/XX/2018. I called the Customer Claims Department and spoke to a customer service to resolve this issue. I was told that Chase has contacted the ATM vendor and found no {$6000.00} balance in the machine. I disagreed with the customer service since there was a camera recording all my actions in front of the machine, including my depositing. If the camera shows that the money, no matter how much, was swallowed by the machine, then there must be money somewhere. After filing the second complaint, Chase decided to give me {$2000.00} as a credit to maintain the customer relationship. However, this is not the solution I would like to see since I did nothing wrong and I am entitled to that {$6000.00}, not only {$2000.00} credit. That is why I am writing you this complaint to get my remaining {$4000.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 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: State Collection Service, Inc.
State: WI

Complaint narrative:
I have reached out the State Collection Agency on multiple occasions to attempt to resolve this issue. I also informed them that this was included in my bankruptcy. I have also sent them a copy of the XXXX  page stating that it was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
On Tuesday XX/XX/XXXX, I called XXXX XXXX twice in regards to changing my billing date so I would have the sufficient funds to make the payment. I talked to a regular worker for customer service and then I requested to talk to someone higher up and she gave me the same answer the previous employers told me. The latest date that they could change it to was the XXXX. I am unable to make the payments at that time because I will not have the funds to cover that amount until I receive my second paycheck for that month and the following months to come. I have been told that there is a grace period of 15 days until I am notified that I am late on the payments.The suggested that I make the payments past the due dates and it wont be marked as late. My mother, the co-signer, does not have the funds to help with the payments each month and I am in the process of trying to have her released as the co-signer. Consistent on-time payments is a large factor that is looked at when deciding to release the co-signer, and since XXXX XXXX is not willing to work with when I can pay the amount and is suggesting to make the payments past the due date, they are ruining my chances of having her released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been contacting Capital One, who appear on my credit file as XXXX, Capital One, XXXX XXXX XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. It is listed on XXXX report with dates of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contant information listed on my credit reports differ, XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ( XXXX ) XXXX, also have XXXX XXXX XXXX XXXX XXXX VA, XXXX ( MAIL ONLY ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
I HAVE A COLLECTION FOR XXXX FOR XXXX XXXX I DONT OWE THIS COMPANY ANY MONEY, I WANT THIS ACCOUNT DELETED FROM CREDIT REPORT, I ALREADY FILED A DISPUTE WITH 3 CREDIT REPORTING AGENCIES,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
See attached XXXX Police Report ( XXXX ) XXXX for Details of the Unauthorized Electronic Fund Transfer from my business checking account. The Bank of America Claim No. is XXXX-XXXX. The  Fraud Analyst has yet to talk with me or the XXXX detective in the case. They claimed they called but no message has been left on my cell phone to call back. I asked them to send all correspondence in writing they have failed to do so to date. I do not trust the internet for communications with Bank of America until this claim is processed and finalized.

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 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Loan was made in XX/XX/2008 for {$8200.00} current balance is {$8500.00} we make the payments every month {$100.00} it seems that it will never be payed off. the interest rate is 11.75 % variable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE A COLLECTION FOR XXXX XXXX  AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,

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 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have previously communicated that this debt is not valid and they have not provided proof of the debt, nor have they stopped contacting me. the most recent collection efforts include someone calling from an unidentified number ( They blocked it ) and leaving a message where they did not say where they were calling from or identify the company. they asked to have my attorney contact them and gave and " agent '' number. 
1 ) this is blatantly abusive and deceptive and a violation of UDAAP. You can not contact someone and not provide information while hiding behind the title agent, like you work for the federal government. 
2 ) when I called back to figure out who was contacting me, I recognized the name, XXXX, as a company who I have disputed a debt with, this is not mine and I will not be threatened of coerced into paying it.

Company response to consumer: Closed with non-monetary relief