vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I logged into my account today ( XX/XX/2018 ) and discovered I had no available credit despite utilizing less than {$600.00} of my {$2500.00} limit. I called customer service, and they told me that this was a computer issue impacting thousands of customers, and they were working on it but nothing could be done right now. I was NEVER notified of this issue. I only found out because I logged into my account and called. Later, I tried to submit a secure message on the credit card website, and that was not working either! None of my issues have been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the process of refinancing a real estate loan on my property, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous, and inaccurately reporting incorrect public information on me stating that I have a child support judgment that is NOT even my name. Fortunately, I'm NOT some random person who did/does NOT know who his father is/was, nor his name ( XXXX XXXX XXXX ). nor have I ever been married, or had children, or been to ANY child support court! 

Nor am I a XXXX with the name of ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random racially motivated negligent inaccurate XXXX supremacist, XXXX privilege XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX residing on XXXX XXXX XXXX And I have always been sent statements in the mail. I remained on campus until XXXX after XXXX I lived off campus paying rent out of pocket. I had to resign out of school due to denial of financial aid appeal in late XXXX. Which I couldnt attend year XXXX. 
I recently called my school to ask about my Assumed debt which was {$9800.00} from dormitory fees. I was told that the Assumed debt was sent to Debt Colllector Reliant Capital solutions in the Month of XX/XX/XXXX. 
I was not sent a notification of the Assumed debt sold or notification to dispute no amount the Assumed debt was sold for to Reliant C.S. 
I received documents from XXXX in my email of ( Assumed Private Loan Debt ). 
I have not received anything in the mail at all since the Debt was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Have no knowledge of this company Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Pulled my credit then would not return a call back as well as pulled my credit after another applicants application was already approved for the leasing. 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX Why was credit pulled twice within 2 days? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of applying for credit on XX/XX/XXXX Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Already had loan with company and they would not work out alternate payment arrangements during a financial hardship period Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX Inquiry Date XX/XX/XXXX Paid off this loan, why pull my credit after loan was paid off? 

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or giving them permission Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Why pull it all those times when I already had credit with the company? 

Inquirer Name XXXX/XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull 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 2018-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My pii was taking bank account was open with out me know or coming into the branch I havent had a bank account for five years or more my taxes was being transfer into that bank that I never know of and a police report have been made on usaa my phone have been publish email taking over as well by XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX XXXX from XXXX in regards to an American Express debt that was charged off in XXXX. Her company is called XXXX XXXX and she said a lawyer from XXXX XXXX is going to call me very soon. The lawyer called me from a blocked number ( first red flag ). He wouldn't tell me his name. I told him I can only settle a debt if I am provided with a letter that defines the actual account number that this debt refers to, otherwise there is no way to prove what account was settled. I can guarantee 100 % that I have never had an account of the numbers he provided. He got upset and told me he is going to lie to a judge that he has tried numerous times to settle this debt with me and here this is the first time I've ever spoke with him or XXXX. He says a payment of {$36.00} was made on the account in XXXX. I never made a payment on such an account after XXXX, he is either lying or a previous collector paid to keep it alive because the Statute of Limitations was running out. They plan to win a judgement by default. They won't tell me the court date or try to serve me. They have never sent me a letter and XXXX keeps saying she doesn't have to provide me any information and Liens of my auto, home and finances are in the works now. I'm supposed to pay these people who can't authenticate their ownership of a debt of mine and they are behaving like fraudulent collectors who might pull off a judges order to ruin me. 4 other companies have recently called to try to settle this same account with me and they threatened judgments that they never carried out and they all called each other fraudulent when I told them about each other and they all present the incorrect account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a credit card with Best Buy years ago and had used it only for large purchases. Over the years the balance never paid down despite making timely monthly payments and going long periods with no use. When I went to investigate the bill I found I had been paying for a service that I did not want and for which I don't recall signing up. This had been a recurring charge that was about {$23.00} a month. Over the years this amounts to thousands of dollars that they got from me through this predatory scam of " debt protection '' all while I'm being charged interest on these charges as well. I called the company to dispute this service and to request a refund of the money they had taken from me. I was told that they would investigate my complaint and get back to me. I have no reason to believe that they will investigate themselves while advocating for me, the consumer, in this scenario. I feel I have been taken advantage of.

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 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: KY

Complaint narrative:
On XX/XX/2018 I made a payment in full to Choice Recovery for the amount of {$320.00}. This is the amount I owed in full. I am still receiving phone calls from the company requesting that I pay them again. I have no other debt with this company and the {$320.00} has been removed from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 Santander allowed {$3400.00} to be withdrawn from my account without notifying me. Thus they were complicit with scammers in stealing. Santander have never made public the receipts of the transfer on XX/XX/2018 or the transfer deposit or {$3400.00} into my account Nor have they made public the receipt of the request to take the same amount of funds out of my account. We only have their word that the funds were place into the wrong account. it is my accusation that they did not check the original receipt to determine if the funds were put into the wrong account. nor did they contact me to ask if I was aware that the funds were expected. It stead they work around my approval to remove the funds nor did they verify that the funds were in fact went into an account not requested. 

I expect that Santander make all documentation public and a copy given to CFPB and to me. I was expecting the funds to be deposited into my account and i gave my account numbers and Bank address ( XXXX XXXX ) and the name on the account so the funds could be deposited. I was unaware that this was a ploy to steal the funds ( reducing my savings ) By allowing this to occur without notifying the account holder or to checking the receipts the bank is allowing a back door for scammers and thieves to remove funds in a fraudulent manner

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank Of America Credit Card Opened XX/XX/2011 That Doesnt Belong To Me Now Its A Charge Off Account On My Credit Report

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 2018-06-20 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: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka D. Scott carruthers. I, my sister in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/XXXX XXXX female states I will be at your place of employment and residence. 
XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/XXXX ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XX/XX/XXXX from D. Scott carruthers. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: MA

Complaint narrative:
I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my Experian report. On my Experian have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the Experian, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.

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 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Multiple credit inquiries on my credit report that I didnt apply for

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 2018-06-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Multiple credit inquiries on my credit report that I didnt apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Home Loan Center, Inc.
State: MO

Complaint narrative:
My credit score as portrayed by the bank shows I have a good credit score and the XXXX XXXX reports a XXXX which is a misrepresentation of my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.

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 2018-06-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

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