vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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: FL

Complaint narrative:
I had decided I wanted to get a copy of my credit report and find out my credit score. On XX/XX/XXXX, I went first to consumer.ftc.gov, and that website transferred me to the annualcreditreport.com website. That website asked me where I wanted to get my credit scores from. I clicked on Transunion and was transferred to the transunion.com website. There I was asked again where I wanted to get my credit scores from. This time I clicked on all three credit reporting agencies. At that time, I did not know that, while credit " reports '' are free, credit " scores '' are not free. After Transunion showed me my Transunion credit score, I logged off. I figured I would receive notification of my credit scores from the other two credit reporting agencies by email later. What I was not expecting was a notification from my credit card company that Transunion had billed me {$29.00} and {$19.00}. I called Transunion ( XXXX ) on XX/XX/XXXX to find out what these charges were for. The Transunion representative informed me that obtaining credit scores from all three reporting agencies cost {$29.00}. I don't recall seeing that on the website, but at least I got something for what I paid. But when I asked what the {$19.00} charge was for, the Transunion representative told me it was for one-year of a credit monitoring service. I said I was not aware that I had purchased that credit monitoring service, and that I did not want it. I asked to cancel the credit monitoring service now. The Transunion representative told me that they could cancel the automatic renewal of the credit monitoring service at the end of the year. I said, " No, '' I do not want the service, I want the service to be canceled now, and I want the {$19.00} charge to be reimbursed. The Transunion representative just repeated that they would cancel the renewal, but that they would not cancel the first year 's service. For this reason, I am filing this complaint : Transunion will not let me cancel an order for a credit monitoring service that I did not know I had ordered, that I do not want, and that has not yet been performed.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/19 I went to court and Midland funding offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have been in contact with XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on Nissans end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no GAP. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with Finance Director, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with Nissan automatically come with GAP insurance. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all Nissan leases in California DO come with GAP. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by Nissan. XXXX says they paid out Nissan when Nissan requested the amount in XX/XX/XXXX when the car was totaled, and that if Nissan believes that XXXX owes them money, then Nissan is the one who needs to contact XXXX to fix this instead of taking me to collections. Nissan states a deductible was not paid, XXXX says it was paid. Nissan needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX  {$3200.00} ( 4 ) XXXX {$1.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a promotional offer 0 interest rate for balance transfer with Chase. 
The amount transferred was XXXX and charged XXXX dollars for transfer fee. on my first bill the minimum payment was XXXX dollars, I paid XXXX dollars they charged me for the next billing cycle {$5.00} arguing that the transfer fee was added as purchase and for that reason was charged with interest fee on my bill. I argued I pay more than minimum they never explained that to avoid any charges I will have to pay in the next build the {$5200.00}, I told them that is false advertisement because I will always have to pay 21 % interest if I have to use the card even if I paid the entire purchase item for next bill. 
at the end they are explaining something after they are charging me with something they added to my account is transfer fee no a purchase. below is their answer. 
I am closing all my accounts with Chase. I had balance transfer before it was not like that. looks like is a new practice. 

From Chase : XXXX, here 's what happens when you take advantage of a balance transfer offer : - You'll have a new promotional balance on your account. 
- As a result, you lose your interest-free period, also called your grace period, on new purchases unless you pay your entire balance in full each month. This includes any promotional balances that you added by using the offer. 
- New purchases include any fees added to your purchase balance, such as an annual fee, if it applies to your account. 
- You receive the promotional rate on balances you add to your account using the offer, but you will pay interest on your new purchases. 

We received your payment of {$510.00} on XX/XX/XXXX. We charged you {$5.00} in interest on the purchase balance. 

When you make payment towards the account, it will first be applied to your statement balance. If your statement balance is paid in full, the remaining amount will be applied to any current activity balance on the account. 

If you pay your minimum payment, generally, it will be allocated towards the - First balances with the lowest APR - Then balances with the highest APR Any payment amount above your minimum payment will be allocated like this : - First towards balances carrying the highest APR - Then towards balances with the lowest APR If you have two balances carrying a promotional APR at the same rate, balances that will expire soonest will be paid first. 

If you have two balances carrying a promotional APR at the same rate and expire at the same time, the promotion that posted to the account first will be paid first. 

Here 's your current annual percentage rate ( APR ) and the balances : - {$310.00} at 21.49 % variable for purchases - {$4600.00} at 0.00 %, good until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraud alert has not been removed after being advised that all level of Fraud Alert could be removed once I received a pin from Experian received pin only to be told no that will not work I needed to provide them with my Id and proof of address which they already have representatives are giving wrong information and I have got denied for lines of credit due to Experian Fraud Alert I have uploaded my documents which they are stating they have not received lies I want them to remove all Level of Fraud Alerts and Freeze Immediately There actions are causing a lots of stress and my credit to go down I have the pin number they mailed me to the address they are now asking for proof of address if you need it It is extremely difficult to get hold of a live agent and holds can be up to 30 mins each time

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 2019-04-29 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: CA

Complaint narrative:
I did 5 dispute with Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: IL

Complaint narrative:
This is additional feedback on Complaint ID XXXX to describe the exact nature of the defect in the Equifax web site. A CLOSER ANALYSIS. STEP1 - XXXX does the only data input in the process, collecting social security number, name, and address. STEP2 - equifax.com looks up four or five multiple-choice credit history questions specific to the user, which I  answer correctly. STEP3 - equifax.com looks up my credit report, but this operation FAILS. What's wrong with this design? Simple : two different parts of the Equifax web site, for STEP2 and STEP3, look up information in Equifax 's databases with THE SAME INFORMATION from STEP1, yet STEP2 succeeds and STEP3 fails. While it is possible to design software this way ( e.g., the five characters " XXXX '' might be acceptable as numerical input for a hypothetical first validation, yet invalid for a second, more rigorous, integer validation ), this is extremely poor design. The most rigorous validation required on predetermined data should be performed at the start of processing ; not in bits and pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
First, the original XXXX XXXX I attended was in XXXX XXXX ca, which was no where on the drop down list. it can be found here : XXXX XXXX XXXX I have had issues with predatory lending, specifically with Sallie Mae/Navient . When I went to the school in XXXX, I was given a loan. when I went to consolidate my loan, I was not told that part of my loan would be transformed into a private student loan. I filed bankruptcy in XXXX, listing this private loan and showed proof of unable to repay without it affecting my ability to live. at that time, I thought it was taken care of. 

Fast forward to today, I have had numerous issues with Navient and this is not the first time I have had to file a CFPB complaint against them. They refuse to offer any forgiveness. They refuse to lower the interest rate and it has grown from XXXX to XXXX. Again I had done all the steps the first time in bankruptcy to show I couldn't pay the debt. Well I filed Bankruptcy again, being careful to ensure that they were petitioned, and took all the necessary steps to include my student loans. They did not show up to the hearing and were well informed. The judge approved dismissal of all loans including student loans, and I was able to prove that It would be a financial hardship to pay this back. They have practiced predatory lending practices and the school I went to is no longer open. 

Navient refuses to discharge the debt or provide any financial relief. 
The original amount of both loans that were turned into private loans without my knowledge or consent was as follows : Loan 1 : current balance {$23000.00} Loan 2 : current balance {$8000.00} I am unsure of what else to do. I am happy to submit any information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/19 I went to court and XXXX XXXX offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I received a bill from XXXX XXXX in the amount of {$60.00} that was promptly paid with a credit card on XX/XX/XXXX. 

After that I started receiving similar bills from the same company for the same amount on a monthly basis. When I called them, they said that I had no outstanding balance. 

On XX/XX/2019, I received the letter from a debt collector asking for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DFC Global Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX I received 3 calls and 3 voicemails from XXXX XXXX whom states she is a process server in State of Texas and I have 2 charges filed against me. My daughters boyfriend received a call from a different number XXXX XXXX XXXX at his private business, XXXX XXXX who also stated she was a process server. She also called my Son last week as well and left same scripted voicemail. She states to contact a company called XXXX XXXX at XXXX. I called them to try and get more information, they stated it was a Moneymart payday loan from XX/XX/XXXX. I told them I filed Chap XXXX Bk in XX/XX/XXXX and it was discharged, they then stated payday loans do not get discharged and she said " good luck with that '' then hung up on me. I called back to get as much information as I could which was not ever presented clearly, I asked where they were located and she would not give me that information or any information about process server. I informed her that bankruptcy was filed and she said that collection would proceed, I could take this up in court or judgment would be placed against me on a debt over 7 years old. They were very argumentative and told me " you can take this up in court ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
To : 1ST FRANKLIN FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( c ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : XXXX XXXX Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed 1st Franklin Financial put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed a charge on my XXXX XXXX-Bank of America credit card and they never followed up with me before they closed the claim. I called them to get a email or fax number to send my documentation but no one returned my call. 

I ordered a product online for {$49.00} and the company XXXX charged me {$180.00}. I shipped the product back to company and they would not guarantee me a refund. So I disputed this charge on the phone with Bank of America and after giving them all the information they assured me someone would follow up requesting addtl. information. 
They never contacted me and 60 days later they closed the claim stating they could not substantiate my claim because they didn't have proof the product had been returned. 
When I faxed them the shipping and tracking information the same day, the followed up with a letter saying it was not received by the specified date. 

I have contacted Bank of America customer service 3 times to let them know I would like them to reopen the case because this claim was mishandled by them.. Each time they have stated someone would call me back within 2-4 business days. It has now been 10 days and no one has followed up. 

Case number : XXXX Date opened : XX/XX/19 Amount : {$180.00}

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 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Two years ago I called to close my Capital one Account. XXXX Instead they offered to upgrade the account with the promise I would pay no more yearly fees. I took them at their word. Last year, in XX/XX/XXXX -- fee. I called, and shared this story and they refunded the fee. This year -- fee. I would like to have spoken to someone about this but their automated system would not let me so I chose to close the account. Supposedly they will automatically refund the annual fee, but I suspect I will not get back the late fee on the fee and the minimum interest charge on the fee. But the important part here is that you need to know that Capital one reps will tell you they are getting you into a program with no fees and then ... fees.

Company response to consumer: Closed with explanation