vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MA

Complaint narrative:
I had received a letter in the mail from US Bank.The letter stated that an application for a credit card using my personal information was received on XX/XX/19.The address on the application was NOT the correct mailing address that I currently use.I tried using the verification number to call and find out what was going on and after being on held for fifteen minutes gave up.I filed a report with my local police department but also want to file a complaint with the proper governmental agency that handles such complaints

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX XXXX after an ad online for " XXXX XXXX XXXX   XXXX offered free credit reports, I gave them all my personal information, including SSN and credit card, assuming it would only be charged if I wanted a membership. But I didn't sign up knowingly for a membership. Or is the charge taken out of my bank account from Transunion? Either way I never received a letter of transaction from the company except from my bank account. The amount taken out was {$19.00}. 
I did write to the customer service and asked for a refund due to " free ' not being free. 
They have not contacted me as 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 monetary relief
Consumer complaint received 2019-09-24 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: Nelnet, Inc.
State: CA

Complaint narrative:
While I was studying abroad in XXXX ( about a month after graduating ), Nelnet stated that I made a late payment. The entire time I was in XXXX, which was for over 1 year I never received any information regarding the loan nor payments. I was unable to see any mail sent to my house as I was abroad. Before I left for XXXX, there was no communication between Nelnet and myself. I never received any form of communication from them telling me I was going to have to pay soon. I also have loans with XXXX XXXX, a private lender, and was paying on those while in XXXX. Had I known about Nelnet loans, I obviously would have paid them in a timely manner. I have provided proof of my time in XXXX and they have consistently denied my requests to fix my credit report or even negotiate with me. Upon returning to the US in XX/XX/2017, I checked my mail and saw the letters from Nelnet. I immediately called and started a payment plan with them. I have never been late on any payment. They have marked my credit score with 9 late payments ( 1 for each loan ). This is creating havoc in my life and is forcing me to find cosigners for each and every major purchase needed. I have been denied by various credit advantages due to this incorrect information on my credit report. All I am asking if for someone to try and understand my situation. This is making my life very difficult when it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: TX

Complaint narrative:
Company rep led me through three days of time consuming and costly sensitive financial information gathering without ever furnishing me with the cost of the loan up front and when I was notified I was approved at twice the CAB fee of loan plus interest, I declined the loan and they made threatening and derogatory remarks against my character and stated I was denied credit because of several inquiries made on my credit report. I feel I was discriminated against and humiliated for trying to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to state revised code : The Capital One account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: HI

Complaint narrative:
On XX/XX/2019 XXXX XXXX Dealer Service placed an illegal inquire on my Equifax credit report that was not authorized by me in any way, they did not have any permission to do a hard inquire and have NO documentation of the same. When I contacted them they hung up over and over. They said they did not do an inquire and have no records of the same. Equifax as told me to tell XXXX XXXX to call them and that they could immediately remedy the fraud the XXXX employees have committed. XXXX XXXX has not called Equifax as they requested. Now there has been a additional act of fraud as there is now ANOTHER ILLEGAL INQUIRY that was not authorized this time on XX/XX/XXXX. XXXX XXXX has been e-mail about this new act of fraud and they continue not to take prompt action to remedy their illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: SUNTRUST BANKS, INC.
State: PR

Complaint narrative:
XXXX internet service dispute portal never working. As a consumer we can reach them to summit a dispute. In my case this account appear twice We need a mechanism to reach them. In my case internet is the better but the poral never works.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I paid the remaining balance of my XXXX XXXX XXXX credit ending in ... XXXX. Balance showed {$0.00} so I called XXXX XXXX XXXX and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days  from this credit card. It shows a balance of {$37.00}. XXXX XXXX XXXX  charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a XXXX XXXX XXXX representative at my local branch and he said XXXX XXXX XXXX should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: PR

Complaint narrative:
Equifax internet service dispute portal never working. As a consumer we can reach them to summit a dispute. In my case this account appear twice We need a mechanism to reach them. In my case internet is the better but the poral never works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MA

Complaint narrative:
I XXXX XXXX am a member of the XXXX XXXX. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of Stoneleigh Recovery Associates claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a scam. There is no connection to ownership of the original credit card I had with XXXX XXXX. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. XXXX   XXXX is also part of the same scam. All of XXXX XXXX credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on XXXX XXXX pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Approximately XX/XX/2018 I noticed my fico score dropped around 50 points out of no where. This was apparently due to a serious delinquency according to my fico score. I retrieved all 3 credit reports from the credit bureaus and there were no issues regarding a delinquent account. I called transunion and apparently one of my student loans from XXXX hadnt reported in a while so I filed a dispute and that was eventually resolved. Being that is was a year ago I dont recall the outcome specifically but I believe they began reporting again. Now, a year later, my fico score is still low due to a delinquent account. I still do not show any delinquent accounts. I called the loan company ( XXXX ) who assured me all my payments were on time or there was one late payment when XXXX took over XXXX and I sent a check to XXXX   instead of XXXX but XXXX assured me about 2 days ago that wasnt reported. Additionally if it was reported its ridiculous because they changed companies and where my check has to go wasnt where my auto payments sent it. Again there are no delinquent accounts or missed payments on any of my credit reports. Transunion has basically said I have to call the loan company XXXX  and XXXX has said I have to call transunion to resolve this issue. I am looking to get a mortgage in the near future and my fico score is being affected by a phantomlate payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I contacted the bank in order to get the late payments removed so be able to refinance my car and they wouldn't do it they said they don't give forgiveness on that matter due to my payments being so high now its kinda hard for me to keep up with the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While I was studying abroad in XXXX ( about a month after graduating ), XXXX stated that I made a late payment. The entire time I was in XXXX, which was for over 1 year I never received any information regarding the loan nor payments. I was unable to see any mail sent to my house as I was abroad. Before I left for XXXX, there was no communication between XXXX and myself. I never received any form of communication from them telling me I was going to have to pay soon. I also have loans with XXXX XXXX, a private lender, and was paying on those while in XXXX. Had I known about XXXX loans, I obviously would have paid them in a timely manner. I have provided proof of my time in XXXX and they have consistently denied my requests to fix my credit report or even negotiate with me. Upon returning to the US in XX/XX/2017, I checked my mail and saw the letters from XXXX. I immediately called and started a payment plan with them. I have never been late on any payment. They have marked my credit score with 9 late payments ( 1 for each loan ). This is creating havoc in my life and is forcing me to find cosigners for each and every major purchase needed. I have been denied by various credit advantages due to this incorrect information on my credit report. All I am asking if for someone to try and understand my situation. This is making my life very difficult when it should not be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I XXXX XXXX am a member of the XXXX Community. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of XXXX XXXX XXXX claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX No. XXXX LLC. This company is a scam. There is no connection to ownership of the original credit card I had with Capital One. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. Capital One is  also part of the same scam. All of Capital One credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on Capital One pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive had a Capital One Credit Card for 11yrs. This year the account was placed on a restricted status. The account has been paid off and it is still in an restricted status. I am unable to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On a recent CFPB complaint XXXX Barclays agreed to compensate XXXX XXXX miles to my account. They did not follow through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Approximately XX/XX/2018 I noticed my fico score dropped around 50 points out of no where. This was apparently due to a serious delinquency according to my fico score. I retrieved all 3 credit reports from the credit bureaus and there were no issues regarding a delinquent account. I called XXXX and apparently one of my student loans from navient hadnt reported in a while so I filed a dispute and that was eventually resolved. Being that is was a year ago I dont recall the outcome specifically but I believe they began reporting again. Now, a year later, my fico score is still low due to a delinquent account. I still do not show any delinquent accounts. I called the loan company ( Navient ) who assured me all my payments were on time or there was one late payment when navient took over XXXX and I sent a check to XXXX instead of navient but navient assured me about 2 days ago that wasnt reported. Additionally if it was reported its ridiculous because they changed companies and where my check has to go wasnt where my auto payments sent it. Again there are no delinquent accounts or missed payments on any of my credit reports. XXXX has basically said I have to call the loan company navient and navient has said I have to call XXXX to resolve this issue. I am looking to get a mortgage in the near future and my fico score is being affected by a phantomlate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was closed after informing the bank about my hardship. Monthly payments were way too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
After living at XXXX at XXXX XXXX XXXX for over two years I suddenly started feeling sick and felt a weird sensation coming from the upstairs neighbor 's apartment. I often heard a rolling sound following me as I moved. I went upstairs and told my neighbor that something was making me feel sick in my bedroom and asked if she noticed it too. She said she wasn't sure of what it was. I also saw several maintenance men in her apartment, pest control, and they even replaced the carpet. 

During that time I started to having someone attempts to break into my apartment at night. My front door had two locks. One that is accessible from the outside and the other that can only be accessed inside. One night, while getting a drink in the kitchen, I noticed someone unlocking the bottom lock using a key. Thankfully the top lock was bolted and they could not gain access. I reported it to the apartment manager and requested that the locks be changed. The locks were changed, but the same thing happened twice again. All these incidences were reported to the XXXX County Sheriff Office. 

Shortly after the man downstairs, got sick I found myself in and out of the ER and the doctor 's office. The final event that frightened me so much, I knew I could not stay there any longer. On XX/XX/2018, at XXXX XXXX I was at work and I got a notice on my phone my personal camera detected motion. When I looked at the footage I say a maintenance man entering my apartment to replace an already clean AC filter. The apartment policy is that filters are replaced by the residents. After he walked into my apartment, he moved my camera out the way so I could not see what he was doing. Once I got home that day I started searching for a new place. 

Once I found a place I asked the apartment manager if she would let me out my lease citing the maintenance staff incident. She agreed and we both signed a document that ended the lease on One XX/XX/2018. I already paid the month of XX/XX/XXXX and left 17 paid days on the lease. The manager soon leases the property to a new tenant and I know this because I had to visit the property to retrieve a misdelivered package which was never found. There were moving boxes outside the apartment indicating that someone moved in. 

In XX/XX/XXXX, over a month later, I received a bill from the XXXX at XXXX XXXX for {$930.00} the remaining balance in XX/XX/XXXX ; knowing that it was being lived in by someone else. The account has since been placed in collections and my credit ruined because I refuse to pay for someone one else to live in that apartment. 

Enclosed I have a list of police reports provided by the XXXX County Sheriff Office and a photo of the maintenance man entering my apartment. I can also provide the video if needed.

Company response to consumer: Closed with explanation