vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: SD

Complaint narrative:
On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer XXXX. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.

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 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Financed auto through Capital One Auto Finance. Insured car through XXXX XXXX XXXX. They will not talk to each other as neither can afford the time to go through the others phone tree. Neither can I ... When trying to put the two together to resolve title transfer from Capital One to XXXX XXXX both point the finger at the other saying they can not get what the need. I am help captive in the middle while Capital One charges XXXX XXXX late fees using my money. This has gone on since XX/XX/2019 and now XXXX. I just received letters from both asking for me to once again notarize documents that have already been notarized and sent in. Auto One says now there is another late payment fee. When I did reach them on the phone they want me to give my full SSN on the phone which I will not on the phone as they already have it. Told them I could verify last 4 digits and said they can not accept that. They have no interest in accepting anything as they can just keep charging off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Travelex NY, Inc.
State: MN

Complaint narrative:
I placed an online order ( XXXX ) with Travelex on XX/XX/2019 which was supposed to be delivered on XX/XX/2019 for XXXX Japanese Yen  costing me XXXX US Dollars. This order was not fulfilled by Travelex until 3 weeks later after I was already in XXXX and had to pay for additional money exchange. I know have received the money and want to return to Travelex for a full refund of the money and fees charged to me by Travelex. The company still has their internal systems down due to a hack into their systems which I understand but they have done nothing to make up for holding my money for more than a month. 

I expect Travelex to pay me back my money, fees and also add compensation due to holding my funds illegally without returning them by XX/XX/XXXX. If I do not receive my funds, fees and additional compensation by XX/XX/XXXX I will pursue additional legal action due to customer harm caused by Travelex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One advertised and promotional that if I made four payments on time in XXXX with My QuickSilver One Credit Card initially I was approved for XXXX and after I had made my four payments on time in XX/XX/XXXX. Capital One Credit Card advertised on the App keeping monthly payments reporting on track that I'd as a Capital One Customer would receive a increase from XXXX to XXXX. That didn't happen after I fulfilled my end of the agreement but Capital One after I spoke to their representatives said I had paid my credit card payments on time but I'd have to wait until XX/XX/XXXX. It's XX/XX/XXXX and I've called them several times I wrote them and nothing. 
Capital One has created a hardship by the misleading advertising, creating another Holiday problem that I planned to use those extra funds to shop, help with my financial needs. The Capital One Credit Card also was hacked and I suffered also being a identity theft victim. Capital One has reported late payments on my credit report, over the limit affecting my credit scores not to mention my ability to obtain new credit. 

Capital One Credit Card denying me access to my XXXX new credit limit that I qualified for and was promised by them. Even though I called them they were Rude, Arrogrant and XXXX  Their Power Refusing to increase my credit limit even after looking at my account being paid on time. 
Also Capital One Credit Card and their employees offer third payers to pay your bill through Walmart and I as a Customer trusted their advertising to pay my bill through technology data at Walmart. Capital One Credit Card after I would pay before the XX/XX/XXXX stated they didn't receive my payment. Capital One XXXX Supervisor demanded even though my payment was due until the XX/XX/XXXX that I pay 4 days ahead to avoid a late charge and over the limit that they reported violated my FCRA and Debt Collections Practices. Capital One after our initial signed agreement they changed the terms and conditions of the our initial contract. 
This caused me alot of stress and hardship because after the Data Breach and learned my privacy and financial information was breached I didn't want to use my personal information with Capital One. As I was already a Identity Theft Victim. 
They acted like on the telephone that data breach was nothing. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Conn's, Inc.
State: TX

Complaint narrative:
I paid my two Conns account in XX/XX/XXXX. I have called several times but XX/XX/XXXX I spoke to a Conns rep and she stated that she shows the account settled and will send it to the review department AGAIN. This has been two months on going and still they report my credit as open and none payment .. delinquent.. for the full amount. I have letters of settlement by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( XXXX XXXX XXXX XXXX reported an incorrect payment record on my Citizens One Bank home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. Citizens One bank my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both Citizens One and XXXX XXXX XXXX intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO  credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: CL Holdings LLC
State: NV

Complaint narrative:
Jerrerson Capital system has been attempting to collect a debit from me that does not belong to me. I have advised the creditors as well as the credit bureaus that account number XXXX does not belong to me. I was asked by the compmay to supply a copy of my ftc report which I have mailed at least 5 times and this account is still showing on my credit report, I would like Jefferson capital to stop attempting to collect on this debit with me and close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened a XXXX XXXX  account in XX/XX/XXXX and accrued {$43.00} of charges. I paid that in late XXXX online via checking acct info that I provided. The account then showed it having been paid. I went in later and it showed the amount still due. I called them in late XXXX and they said that they either tried ( they couldnt say ) to pay the balance via the account number that I gave them or with a debit card ( they are both linked to the same checking acct ). They read off the checking acct number on file and I said that it was correct. They ran it and said it worked. That charge of {$43.00} was then taken from my account on XX/XX/XXXX. A day or so ago I received an e mail from XXXX  stating that my statement was online. There were XXXX and XXXX statements there ; the former again showed the {$43.00} owed and the XXXX unavailable. I had it with all of that mismanagement and called them to cancel my card on XX/XX/XXXX. I was then informed that there was a {$25.00} bounced check charge on that account. I explained everything to them and they said that they could not remove it. They threatened to keep charges accrued forever on that unpaid balance. I went to a supervisor and she told me the same thing. They did not say that I was at fault, nor did they admit their wrongdoing, they simply said that the charge would remain. 

So I have been wronged and threatened and hope that you can help me. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 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: CO

Complaint narrative:
I was in the process of applying for car loans online, and was taken by a portal website to TransUnion 's website, where I was instructed to pay {$1.00} so that my credit report would be run, to facilitate the loan application process. This was back on XX/XX/2020. 

I am a former XXXX XXXX XXXX  and XXXX XXXX XXXX. Trust me when I said I read over all the documentation, before I was willing to give out my credit card number to authorize this one-time {$1.00} charge. To be extra cautious, I selected the credit card in my wallet with the smallest credit line. I have the e-mailed receipt for this {$1.00} transaction. A week after this event, on XX/XX/2020, I received a popup from my credit card company 's smartphone app, telling me that I had authorized a {$19.00} charge to TransUnion. I did NO such thing! I have called my credit card company to file a fraud charge, to cancel my credit card, and to dispute this fraudulent charge from TransUnion. I then attempted to log into TransUnion 's credit monitoring service website, and it will not allow me to log in or even reset my password. I called their customer service line, and TransUnion is arguing that I agreed to a {$19.00} charge, which I did not! Nothing in my e-mail receipt says anything other than {$1.00}. TransUnion is also not willing to refund this {$19.00} charge. I couldn't even get onto ther website to cancel this service, let alone take advantage of this credit monitoring service that they are telling me they've sold me. 

I don't care that this is TransUnion ; one of the three major credit bureaus. This is blantant FRAUD and they should be held accountable for this deceptive business practice!

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 2020-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
regarding complaints ID XXXX & XXXX I have submitted today and I want to submit additional documents. According to the company response that I never agree with because the information are not true. Please find attached documents for your review. 

name on loan is XXXX XXXX I am XXXX XXXX is person who applied, be responsible for the loans and dealing with loan service for errors they made and forced the borrower to accept the loan term even borrower never agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These are not my accounts or inquires reporting 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 2020-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over { {$99.00} } are advertised as 6 months no interest, no payments. Purchases under { {$99.00} } must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under { {$99.00} }, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over { {$300.00} } even during months when no new purchases were made. 

In addition, Paypal would not recover money paid for a couch that fell apart before I had it one year.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to lift security freeze with Equifax. They say it can't be done until 10-15 days. I was able to temporarily lift it a few days before with no issue. Now I can't. Was able to lift it on XX/XX/XXXX. Tried again on XX/XX/XXXX and was told no and a waiting period of 10-15 days. I am trying to get a home loan right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I was sold 2 XXXX party XXXX XXXX tickets for {$4000.00} by XXXX of XXXX XXXX. He originally called me regarding my inquiries into the XXXX XXXX and continued to bait and switch me to the XXXX XXXX. This party was NOT as advertised. I was guaranteed a XXXX XXXX view from my seat which did not happen. I have attached a photo to prove. Notice the yellow circle on the photo across from the seated couple. These were our seats which faced a WALL if you turned to look out the window. The food offerings were not as advertised and of poor quality, the premium bar was not premium and half of the 52nd floor was to be turned into a dance floor/party room. I have photos of the 12x12 parquet floor dance area. This was the worst experience and we only stayed 1.5 hours of a 5 hr party that we paid an exorbitant amount of money for. XXXX XXXX reviews are all terrible on line but unfortunately we found them after the event. We searched XXXX parties instead of XXXX. I have copies of all of the reviews citing fraud and misrepresentation as well. I have disputed the charge on my Chase Visa debit card and Chase Bank is not insuring this purchase that was sold to me with false advertising and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: MN

Complaint narrative:
These are not my accounts or inquires reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: MN

Complaint narrative:
These are not my accounts or inquires reporting 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 2020-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I called and to settle the debit and pay it that day if it was removed from my credit reports. They offered a settlement of {$520.00} instead of the {$1000.00}. But she said if it was settled that it wouldn't be removed and they would only updated it and they said the only way they would delete it is if i paid the full balance which was strange because every collection company i have ever dealt with works with you. Not this manager at source receivables. She was chuckling and very condescending and making XXXX  XXXX comments. Like we talked to you in the past and told you the same thing so .... No need to talk down to me when I am trying to ask for help and buy my first home. I said I only have the amount to pay this thing in a settlement and would only pay if its removed cause there is no point if its just left there to damage my credit. She said well if you don't pay it in full its going to stay on your credit and prevent you from getting a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Thank you. 

I am trying to temporarily lift my credit freeze with the three rating agencies in the US ( Equifax, XXXX, and XXXX  ). I was easily able to lift the credit freezes with  XXXX  and XXXX  using their online systems. 

My complaint is with Equifax. I can not access my account online, even after I reset my password, and received this message online : 'Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '. See my attachment. 

I called that number and provided all sorts of personal information and then the call ends with the computer voice saying no one can help you at this time. Then my banker gave me another phone for Equifax, XXXX XXXX XXXX and I have called that number five times and each time after going through the menu it just rings and rings and no answer and the call is cut off. 

I searched online for reviews of Equifax and others experience the same things, delays can't get through, comments about the company now using overseas call centers for our data??!!! I am EXTREMELY CONCERNED that this company continues to fail even after the data breach of XX/XX/2017. The government needs to step in and shut this company down or see what is going on because it is not working and if this is the experience from the consumer interface on the outside, then I can only wonder what is going on the inside and the risk of another breach. 

Please let me know you received this complaint about a hugely important matter to consumers and the US economy. I can not get a loan without all three companies lifting the freeze and Equifax is holding it all up due to incompetence or worse. 

Thank you AL

Company response to consumer: Closed with explanation