vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
This is a serious complaint against my XXXX XXXX credit card. I have been making numerous complaints but the issue is still unresolved and nobody is taking any action. I do receive a call from XXXX every month in order to collect a debt but its hard to make them understand that its not a debt that I owe. I purchased a few things from XXXX but when I was asked to make a payment, the system didnt process and the very next day I was charged a late fee + interest charge. I requested the staff if thy could waive the late fee but she talked it in an extremely rude manner and refused to waive the late fee. As a result, I returned everything back to XXXX. Why should I buy from XXXX when they cant learn to communicate respectfully? Even though I received the refunds credited back to my account but XXXX is constantly charging late fee and interest on a late fee. And now theyre expecting me to pay {$130.00}. I wonder wats the motto of these credit card companies - torture their customers and force them to commit suicide. This is ridiculous. And I have been seeking help from CFPB yet fail to receive a single response. I hope u dont ignore my request this time and try your best to resolve the issue. 
Thank you for your consideration

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 2018-09-15 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX ( My Credit Report ) Illegally in two ways shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on my Credit Report. 

The Company XXXX XXXX XXXX  contacted Equifax electronic to remove this Charge Off Account as past 6 years old per Oregon Collection Laws ORS 12.080 Section 4 -Defined from my Last Payment XX/XX/XXXX per ORS 12.090 Section 1. Amount : XXXXOrginally {$620.00}.  Charges were not proven to me either-no account statement provided either. 

XXXX XXXX XXXX  obeyed the Oregon Collection Laws as I am a resident since XXXX. They contacted each of the three Credit Bureaus and Equifax illegally ignored the request in writing by XXXX XXXX XXXX Electronic to remove the Charge Off Account. 

So I am maintaining they are willfully ignoring Oregon Collection Laws-they are not in sharp contrast to Federal so must obey State Law per 15 USC 1681 Fair Credit Reporting Act. Have delete my collections in 6 years-Oregon Resident! 

How is the collection reporting accurately when XXXX XXXX XXXX  demanded removal of it several months ago. I also followed up with a letter-after XXXX XXXX contacted XXXX XXXX. I do not need to wait 7 years Federal due to Oregon Collection Laws.

Demand Removal oXXXX XXXX XXXX XXXX off my Credit Report-Company asked for it to be removed too!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Reporting a XXXX XXXX account under my informstion This account is mot mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
XX/XX/2016 XXXXn I have contacted this company numerous time to be removed off my credit report. They have removed it on my XXXX and XXXX credit report. I did not have any business with this company and I need this to be removed off my XXXX account immediately. 

The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting a XXXX XXXX  account under my informstion This account is mot mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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: OH

Complaint narrative:
I received a letter stating that my interest reduction rate time period was up and to call to re-apply. When I called on XX/XX/18 I was informed that since my reduced payment was within {$50.00} of the regular payment, I do not qualify for a reduced rate. I was also informed I do not qualify for a forbearance or any other type of payment reduction, payment hold plan. This company has been a nightmare to work with from the start. They have taken payments from my and my cosigners checking accounts without permission, they have over charged, under charged and changed payment terms with no notification to me or my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sought my credit report from Equifax since earlier this summer. I tried to get the report online and the company requested that I mail proofs of identification. I complied. The company said the proofs were not legible. I sent more legible copies. I have now sent four sets of documents to Equifax and the company still has not sent me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Diversified consultant is the name ( DCI ) I had them taken off my XXXX   report, but all they did on my XXXX was change the name and date.they were under XXXX XXXX. In XX/XX/XXXX my son stayed at my house and had either XXXX/XXXX iam not sure because they changed there name on my credit file.it was never in my name it was in XXXX cone.after I had it removed it shows back on my credit report as a new connection inXX/XX/XXXX.iam like OMG this is so crazy to be able to do this to someone. Please look into this company because it has to be fraud.thank for any help I've tried for montha

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: CA

Complaint narrative:
After seeing an ad for payoff.com loans to help lower credit card debt, I went to their website and applied for a loan. I was preliminarily offered a loan for {$25000.00}. I accepted the offer and submitted by bank account information for them to review for the loan. When payoff.com started reviewing my financial information they said only my income could be counted in offering the loan. I asked why my spouses salary did not count towards my household income and they said I could only count mine. And they couldnt confirm that they did not count shared household debt. I was then denied for the loan based on my debt to income ratio and they said there was a delinquency on my credit report. I do not have a delinquency so I asked for more information and a copy of the credit report showing it. They refused to provide any additional information or the credit report to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Due to unfortunate circumstances, I missed a payment on my Capital One credit card ( didnt pay in full ; I pay half out of each paycheck ). I made up for it, and paid more than what I owed. However, I was informed that even though I was paid up, I get charged 2 months of interest because of a rule break that doesnt give me a grace period anymore. At no point on my bill does it say this. I get paying the first missed payment interest. But late payments are charged XXXX. I have been charged over 60 dollars in interest between the 2 months. Im not a bad customer that is constantly late. I pay on time. I called to have the second charge removed since on no where on my agreement does it say they can continually charge me interest on my purchases until the 3rd month if I didnt pay my balance in full. It says only on the missed balance, which I paid off. I contacted them to see if they could forgive the unnecessary interest charge on a balance I paid in full, and they said there was nothing they can do about it. I asked for a supervisor, and she said the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received statement from XXXX XXXX XXXX for total balance {$3700.00} that I did not make purchase. I am living in XXXX, and the purchase was made at XXXX XXXX FL. As soon as I received statement, I called Saks to put on fraud alert. I was told the purchase was made via phone and it was under investigation, the representative told me someone will call me back, but 2 weeks passed by, nobody has called me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been writing to XXXX and Equifax since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX, I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but XXXX and Equifax still refuse to remove the charge from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
1. XXXX XXXX charged my credit card without my knowledge. That time I followed XXXX  XXXX 's instructions to send the documentations for disputing the charges. The Bank claimed the paper lost. They refused to process the dispute. 
2. I called the card lost in XX/XX/XXXX. Then I never activated the card. 
3. In XX/XX/XXXX XXXX XXXX sent us Email for updating the payment information because the original XXXX card is no longer active. 
4. XX/XX/XXXX XXXX XXXX  billed us again from XXXX XXXX of XXXX. 
5. XXXX XXXX does not have my new card number. 
6. XXXX XXXX leaked my information to XXXX without my consent. 
7.It 's true that there are two other people that are authorized to use the card but they have no dealings with XXXX XXXX but me the primary user of the card. 
8. What I don't understand is how could XXXX XXXX have my new card number if I never activated the new card that XXXX XXXX sent me. XXXX XXXX tried to used my old account number on file and there was a Payment decline-Order on Hold ( XXXX # XXXX ), so they emailed me on XX/XX/XXXX asking me to update my payment information. I never responded and yet they got a hold of my new card that wasn '' t activated. I believe that XXXX  XXXX  was the one that gave them my information without consent and authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX of 2018 Incorrect information was on XXXX XXXX XXXX 's credit report due to a similiar name ( mistaken identity ) this information was disputed and removed. XXXX XXXX XXXX never received information in writing or electronic notice of the decision. XXXX XXXX XXXX would also request that a copy of his corrected and current credit report be sent to his lenders that have reviewed his credit report in the last 6 months.

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 2018-09-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I will make this short. I took out a loan to rid myself of debt. XXXX XXXX XXXX issued the checks for payees. After over a month I was told the check cleared. The check did not clear to the correct payee. Somehow Barclay Bank cashed the check. As you will see on the back of the check Barclays. 
Called Barclays Bank was told the do not see Any check for $ XXXX-Also they have no real way to check this. In todays world no way to check for a check! Wow I need help the check cleared ( Ihave the proof ) I have been to XXXX Hospital 2 times in less than 30 days. This whole thing is stressful!! I take my credit very serious so when Barclays keep they have no way of check this extremely disturbing. I can not longer handle this my XXXX hurts!! 
Hospital visits can b proved!! No more stress get it together.Barclays

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 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: ID

Complaint narrative:
XXXX XXXX has been sending monthly payment of {$170.00} to XXXX XXXX credit and XXXX   has only been posting {$160.00} and trying to collect the {$10.00} saying it is past due. XXXX XXXX   has spoke to them and showed proof they are sending the correct amount. XXXX claims they are only recieving {$160.00}. I have contacted them about it multiple times they say it is the XXXX XXXX   company not them. I know for a fact it is XXXX because my other creditors do not have this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from Experian & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2018-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The debt collection agency contacted us regarding a credit card debt of {$720.00}. The agency offered a settlement amount of {$500.00} from the original amount of {$720.00}. We agreed to the settlement amount of {$500.00}. We received notice that the agency did take the full {$720.00} from our bank account, not the agreed apon settlement amount of {$500.00}. This is a deceptive debt collection practice. We did contact the collection agency, however, I do not believe they will refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a huge unauthorized electronic ACH transfers {$44000.00} from my checking account on XX/XX/XXXX th. Several of these transfers occurred until XX/XX/XXXX which total amounted to {$72000.00}. My checking account balance went from {$72000.00} to {$400.00} in XXXX days. I had alerted the bank I was going to XXXX on XX/XX/XXXX. I did not get any alerts from chase bank regarding any ach transfers in such big amounts. I checked my acccount XXXX weeks after I came back from XXXX on XX/XX/XXXX. Called the bank immediately to report fraud. Still waiting with no money in my account to even pay my credit card or mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2018 I sent notarized documents to TransUnion CB ( driver license, social security card and mortgage statement ) requesting them to update all my personal information on my credit report and this company refuses to do so. I got divorce and remarried 5 years ago, so I have a new last name and they do not want to remove my previous last name. Note that all my open and current accounts have been updated for a long time. 

Can you help me please. I believe TRANSUNION should change my all personal information for my credit report to be accurate. " I AM NOT LONGER HAVE XXXX XXXX as my legal name '' and my current personal information is the following, all others information on my credit report is completely inaccurate. 

My full name is XXXX XXXX XXXX ( changes last name 4 years ago ) My social security number is XXXX My present and only address is XXXX XXXX XXXX XXXX XXXX, MD XXXX ( living here for almost 6 years ) My present and only employment is XXXX XXXX All others inaccurate personal information needs to be remove from my credit reports. 

THANK YOU IN ADVANCE, 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