vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For years I have had a student loan on my credit report from when I started school at XXXX in Fall of XX/XX/XXXX. I only took out federal loans to pay for tuition. However, the particular loan in question is a private one given by XXXX and is not mine. I never payed it any mind because I assumed it was actually my outstanding balance on my student billing account I have with them, which I've been paying off in installments. 
Now, years later, in XX/XX/XXXX, payments for that student loan suddenly stopped, which showed on my credit report. I received no other notice ( since it isn't actually mine ). I looked at it more closely and saw that it isn't my outstanding account at all. The payment amounts and balances don't even match : I owe {$1200.00} as of now ; I've been making payments of {$50.00} every month ; the student loan has a balance of {$3600.00} as of now ; it states that previously payments of {$40.00} were being made every month. No payments have been made since XX/XX/XXXX. I asked XXXX student account services about it. They said they don't report my outstanding balance to credit bureaus. That means the word " XXXX '' shouldn't even be on my credit report, making the amount I actually owe ( {$1200.00} ) irrelevant. I asked them if there are any loans I owe them. They are unaware of none, apparently. 
Naturally, I file a dispute with both XXXX  and TransUnion, as they are the ones reporting the account. XXXX  swiftly determines the account does not belong to me. TransUnion, however, somehow concludes that it is mine, with no explanation. I file another dispute with TransUnion, showing some evidence of my emails with XXXX student accounts services, pictures of my account statements ( which don't show me ever taking out a loan with XXXX, only federal loans ), as well as evidence that XXXX found it to not be mine. Now, TransUnion has yet again mysteriously determined that the account is mine. I don't know what account this is, so I couldn't even make the payments if I wanted to. Needless to say, this is very frustrating. I suspect that TransUnion is not doing its job and actually isn't investigating at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I went into the location located on XXXX XXXX XXXX and {$1100.00} was stolen from me by PLS store manager XXXX XXXX located at the XXXX XXXX XXXX XXXX store. She refused to reverse the transaction. My bill due was for the amount of {$190.00}. She charged my card for that amount then charged it again for {$1100.00} ( which was the majority of my entire check ) I have hardly any money now she also claimed that nothing would be done about it until Monday. Which is devastating since it took her only a couple seconds to steal from me. and no one from her department has tried to reach out to me or assist me in refunding me my money she stole. The store manager also claimed that this was done in error but my intuition is telling me she has a history double charging people 's cards. If this was done in error, how come PLS refuses to refund me my money back. This took place XX/XX/2018 around XXXX XXXX  central standard time. I will be filing a police report .All I want is my {$1100.00} back that was stolen from me. The {$1100.00} was the majority of my scheduled paycheck that I receive every two weeks from my job. I have little to no money since Friday XX/XX/XXXX and I have bills that are due and small mouths to feed and an ill mother that I support I did not authorize that transaction. I don't understand why PLS won't give me back my money. I paid my bill on time which again ; was only in the amount of XXXX. And they still snatched money from my account that I did not authorize. I also will be reporting PLS to the Federal Trade Commission for poor and fraudulent business practices. PLEASE NEVER GET A LOAN FROM THESE THIEVES.

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 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
i have been trying to pay this bill for 3-4 months now, every time i've tried to make a payment it has been returned, or the tried to process it multiple times resulting in over drafting my checking account. i've contacted the company by phone and email and they haven't helped me to fix this problem. i had to close my checking account because they kept trying to process a payment that i didn't authorize, which was continually over drafting my account and causing me to have to pay over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
We received a letter from XXXX XXXX in early XXXX of this year stating we were due an escrow refund from 2016 of almost {$850.00}, and that if we didn't do anything the money would go back to the state. We filed paperwork asking for the money to be issued to us as a check, and emailed it to XXXX who replied she had received it on XX/XX/XXXX and it would take 7-10 days to process after which it would be mailed to us. 2 months later and we still haven't received the check despite two further emails to XXXX, one to customer support and a phone call - all of which went unanswered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, XXXX XXXX XXXX., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from XXXX XXXX , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to XXXX XXXX XXXX, but I have read online through the XXXX  that people said their letters were returned to sender from XXXX XXXX XXXX. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent XXXX XXXX certified letters on XX/XX/XXXX and XXXX asking for them to send me verification of this debt such as a contract I signed with XXXX XXXX or any other documentation bearing my signature, Showing that I owed any debt.They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill but did not bear my signature. Upon reviewing said documents I noticed they are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 3 ), Section 623-b ). The alleged account is unverifiable and the Statute of Limitations has expired. They have also Re-Aged the Debt and they are reporting it as an open account.It is damaging my credit report and credit score, and has been a principle reason I was denied credit due to this account reporting. I am considering legal action against XXXX XXXX on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of { {$1000.00} } in  damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Violation of Corresponding State Laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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 with product or service terms changing
Company: DISCOVER BANK
State: OR

Complaint narrative:
XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX  fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: United PanAm Financial Corp.
State: MO

Complaint narrative:
Charged off as bad debt Profit and loss write-off Car was paid off in full yet on my credit report it is still showing a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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 with product or service terms changing
Company: DISCOVER BANK
State: OR

Complaint narrative:
XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received an 83 point credit drop for no apparent reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Received an 83 point credit drop for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: OR

Complaint narrative:
Capital One either failed to send a billing statement, or I failed to receive it. Once I noticed the problem, I called immediately, but they had already used the excuse to jack up the interest rate to 30 %, charge late fees, charge penalty interest, and otherwise attempt to extort the situation for all it is worth. They were unwilling to restore the original interest rate, even when confronted with the issue. It appears to me that they intentionally, as a standard business practice, will fail to send a bill, then use that excuse to jack up the interest rate to penalty rates on carried balances. 

Also, though I never made any attempts to change my online username and password, they claimed that the one I kept on file was no longer valid, preventing me from logging in to receive an accurate statement of account. In order to log back in, they seek invasive personal information with could be used to further phishing scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX  states I owe them for a bill I disputed this twice with the 3 cba and they stated verified. I was not aware of my rights at the time, now I check my credit report and XXXX is still on there and Jefferson Capital systems for the same {$750.00}. I have asked both companies for validation of debt with no response and yet they both appear on my credit report I can't believe this is legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The office of Consumer Affairs of Equifax is not reporting my report correctly i have ask them to take my file out, They said my file will remain with them ok for what I ask, I have sent a request to have my file removed from The office of Consumer Affairs and they said no, I would like to know what is the problem and by law thats my right and request, This is a serious problem.I am a vitim of identity theft i have reported the issue with the police department and disputed inquiries with the office of Consumer Affairs and submitted a police report they said they dont dispute inquiries but when I call Equifax to speak to fraud dept. without giving them my information cause the office of Consumer Affairs got my file flag, The fraud dept. says if u got a police report and the inquiries are fraudulent u can dispute they. I call the office of Consumer Affairs back and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fun XX/XX/XXXX Credit inquires that should not be on my report because I did not authorize them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Contacted Chase Visa customer service on XX/XX/XXXX at XXXX, The Chase credit card was declined without user authorization two days prior. This attempt to use the card 48 hours earlier was a fraudulent and unauthorized attempt to shop with XXXX. 

Unfortunately, XXXX the vendor to which the attempted Friday, XX/XX/XXXX : purchase failed, has not been contacted to date. That said, the basis for this additional complaint against Chase Visa and its customer service is the following. Chase, continues to request for identifiers, that are nonstandard and have provided the follow-thru on Chase-to-consumer callbacks as agreed upon during the customer service call. 

On Sunday, XX/XX/XXXX Chase declined to remove the unannounced fraud alert laced on the charge account. The female representative voice was recognizable its difficult say the she participated in the previous call to Chase. Question like do you know XXXX XXXX, former employers and addresses were again alarming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: FL

Complaint narrative:
I have been dealing with XXXX XXXX  for a while now trying to get them to remove all these cards that were opened in my name.And this specific one keep increasing months after my credit report say it was closed and they are ruining my credit.If this isnt resolved i will have my boss take legal actions. XXXX keep increasing late fees that i do not owe and I didnt authorized the account to be open from the start. I want the account closed properly and removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX {$7400.00} I have disputed this more than once ... it was settled ; yet Equifax will not remove ... 
Litigation may follow soon ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a couple apps that help with budgeting and overdraft alerting and capital one will not give them access when I use the secure log in and put in the security code.

Company response to consumer: Closed with explanation