vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has an item on my credit report that was not verified. XXXX it was updated XX/XX/2016 the company address is XXXX WA XXXX I have never had an account with XXXX I requested verification from TransUnion and it was supposed to be sent within 15 days according to FCRA it was never sent and I want this item removed immediately Legal Counsel has been notified.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Agency has information listed on my report from XXXX WA XXXX ( XXXX ) XXXX I have never had an account with XXXX They have just updated information on my credit report XX/XX/2016 and they constantly update this information once a month causing me to have a unsatisfactory credit score and report. This item was not verified I asked Experian to send me the information verified within 15 days and they did not. According to FCRA I am entitled to receive verified information within 15 days of decision, I did not. I want this item removed immediately. And I want them to not be able to report false information to the credit bureaus whenever they please.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, Transunion, and 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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-04-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
When I opened an account with Best Buy in 2002, I apparently agreed to a debt protection program when I opened the account that I was not aware of. I am gainfully employed and always have been and sincerely doubt Best Buy has my signature on file that I ever agreed to this program. I noticed this on my bill this month and called for an inquiry and was told that it was indeed when I was accepted for the card then. With all of the different portions of the bills regarding interest, etc, I never saw that, and I went to electronic billing years ago. As I am nearing retirement I am looking at my bills and what I thought was an insurance payment for an appliance was not. I have been paying over XXXX a month for something I have never needed for over 15 years. The only thing Best Buy did was to send me a letter to say they have cancelled it. Yes, I am wrong in not seeing it before. I use this credit card about 1 a year So I could recognize what the balance should be. I never looked at the detail of the charges. And Best Buy in 15 years never sent any reminder or option to opt out of this. I have a measly XXXX balance - go figure because of this. In this period I have paid XXXX in debt protection that I have never needed or never used. This is outrageous. I know I am neglect and looking at my bills however how many other consumers are being charged this - and per the description subscribed unknowingly when they opened an account. I want my money back - now I understand why I have not been able to pay off this bill while they continue to raise my credit limit. Shop there - no more.

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Abo ut 7-8 y rs ago I went to a casino in  XXXX  and signed up for a MasterCard/Total Rewards at   XXXX   XXXX   XXXX   . I a lso signed up for insurance coverage agreement that came with the card. The agreement states that through   XXXX   XXXX    XXXX   ( a product of Comenity ) if I becam me  XXXX  the bal ance would go away, and they would not harass me for money. I became  XXXX  and provided all the requested info to collect the money, but the insurance/credit card people kept asking for more docs. I am owed {$2700.00} that should b e removed from my credit and my credit score should indicate that this was an error by Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Student loans are being reported twice. The XXXX accounts were transferred to my XXXX account. The account was consolidated ans is not being reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: PA

Complaint narrative:
from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. 
When I moved in, they did not clean. The dirty carpet, molds, bugs.. 
I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. 
They did not return my deposits, yet.

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 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
While attending XXXX XXXX College in XXXX, WI from XX/XX/XXXX- XX/XX/XXXX, I was coerced into signing loans without full disclosure. They would call me into the office and state " your papers are ready, just sign here. '' It was my first time going to college, I did not know what I was signing. They took out not only Federal Loans and Grants but some Private loans without my knowledge or consent. I am still feeling the effects of this as I am still paying back XXXX private loans they took out for me over 12 years ago. I am not sure what the interest rates were, but a {$3000.00} turned into a {$15000.00} loan after fees and interest. By using these deceptive practices, I was not given the opportunity to come up with an alternative to paying these astronomical interest rates and fees. I signed because they made it seem like they had my best interest in mind and if I wanted to graduate, this was my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In order to finish my college education, ( my father had exhausted the 90 % federal loan borrowing amount ) I had to take out a private loan. I 've been repaying my loan since XXXX 2006 with an initial borrowing of {$18000.00}. 11 years later, my loan is still not paid off and still have nearly 10K to go. To date I 've paid {$26000.00} in total. All things considered it would have been easier for me to drop out of college then to have this loan haunt me my entire adult life. Navient has put me through the wringer with customer service with no clear answers. Education is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
We had a home equity line of credit with Capital One bank for 10 years. We paid our monthly required interest payment each month never late. Our loan came up for maturity XX/XX/2016 and they sent notice of denial due to income drop. They demanded payment in full and threatened foreclosure. My husband and I had many phone conversations with XXXX and they walked us through the process of exploring all other options. We were told we could not make any payments during this refinance process as our original loan was frozen/inactive. The process took them a little over four months in which time we had no idea they were destroying our credit history by flagging our account delinquent! By the time we received our 2nd threat of foreclosure and decided to look for lending elsewhere our credit score was not acceptable to the other lenders. Capital One did finally refinance the loan but are charging us a very unfair 7.5 % interest rate. I find it hard to believe they deny us only to turn around and approve. Everyone I speak to can not believe this actually happened and that it was legal. This is why we are asking for full review of the process taken and help us restore our almost XXXX credit score prior to this unbelievable chain of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was sold a defective luggage bag by XXXX on XX/XX/2017. A total of XXXX billing disputes were filed with American Express, the credit card I used to pay for this item, for this transaction amounting to {$140.00}. I rightfully asked for a full refund as I was sold a defective item by XXXX, the merchant. The merchant refused to take responsibility and refused to offer an exchange or refund for this item. I went in person to attempt a return/exchange for this item on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the merchant refused to cooperate and was extremely rude, with the Cashier at times yelling profanities. WIth me unable to work this out with the merchant, a billing dispute was filed. Every single time, American Express refused to assist me in this dispute and found in favor of the merchant without considering my side of the event. A full refund is DEMANDED at this time because I was sold a defective/damaged item by the merchant and the merchant refused to cooperate with an exchange or refund. In addition, this item was sold to me NOT AS A PART OF ANY PROMOTIONAL EVENT. The return policy for this item was 30 days and all of my return/exchange attempts mentioned previously were within that 30 day timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My name XXXX, I 'm victim of identity theft and found out Chase Bank manager at XXXX, in released my personal information regarding deposit amounts, debit card info to XXXX whom stole my personal information. They drained my accounts and when I went to manager there I was told they were ending there relationship with me because I wanted to file a claim and asked for transaction history on my accounts that he refused to give me. This is just the beginning and have received XXXX threats as well by those who stole my Identity. Please contact me asap and will provide documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My husband and I opened an equity line of credit with Bank of America. During some tough times, we used the {$35000.00}. which was the amount of the credit line. I had been working to pay it down, when suddenly I started getting notices that I was n't paying enough, they wanted more monthly payment. Well, living on XXXX, I was paying all I could, so I just kept paying, Then I started getting collection notices. I went to the Bank on XX/XX/2017 and spoke to the manager, thinking maybe we needed to refinance or do a modification. Well XXXX, was looking through the account on the computer, and asked us about an {$80000.00}. draw. We about fainted. The account had a {$35000.00}. limit, and since we had taken bankruptcy, it also said it had " 0 '' available. So I had n't used anyting, just trying to pay it down. 
So the band gave someone {$80000.00} on an account with a {$35000.00} limit, and then was charging us for it. 
I have filed this with the local sheriff 's office, reported to XXXX, also filed with FTC, who suggested I contact you. 
Bank of America says their fraud department is looking into it, but I have not heard anything from them. The Sheriff 's Detective is supposed to try to contact them today, but I have not heard anything as yet from him. I have not heard from XXXX for two weeks now, so I have done some research online, and following suggestions there. 
I thank you for anything you can for us. I feel that Bank of America is in so much hot water right now, that they are n't worried about my little claim. 
Thank you XXXX and 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 monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We recently refinanced w ith Wells Fargo, within the last 6 months. They were the holder of our  mortgage and we refinanced with them to get a lower rate and shorter term. We decided to go with them because we were told we would receive a {$500.00} gift card (   XXXX   or  XXXX  - the representative couldnt ' remember which  XXXX  ). Our refinancing was completed several months ago, but even after multiple follow-ups we have not received any gift card/certificate. The rep who helped us refi will not return any calls. We recently sent an email to customer service and have yet to hear a response. Please help us in getting some answers on if there even was a gift card offer and if so, how can we obtain it.

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 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc.
State: CT

Complaint narrative:
NCB MANAGEMENT acct # XXXX XXXX XXXX, pa XXXX My name is XXXX i am complaining in reference to a violation of my FCRA and FCDPA i sent this company a debt validation for a balance they have on my credit report stating i owe {$7100.00} and they sent all information in reference to the loan and the actual price that was owed, which is only {$2500.00} they have violated the FCRA over a dozen times after i disputed it saying the item is verified and meets the fcra requirements for the {$7100.00} which the paperwork from their office states i only owe {$2500.00} i have tried to contact them in reference to my concerns of the account and them hurting my credit reports and making it difficult for me to get financing and rebuilding my credit and so forth i feel as if this issue should be removed off my reports for the simple fact they violated several laws and continue to violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT XXXX AND SYNCHRONY FINANCIAL LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.

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 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I lived in an apartment building for a little over 1.5 years. I paid a security deposit, and upon moving out was sent a bill for an extraneous amount of repairs to improve the apartment to a condition better than the original state of the apartment I moved into. I consequently contested the claims in writing via certified mail. The property management company sold the debt to a collection agency without a valid claim to the debt owed. Prior to the debt being sold to the collection agency, I wrote to the landlord, within 10 days of receiving the claim, disputing the charges and requesting money back from my security deposit, per Florida statues. I did not hear back, and the debt was sold off to the collection agency. My concern is that this will impact my credit score, and I have been diligent about maintaining it.

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