vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have called multiple times and I was told I had two options for repayment. I could repay a year of interest which runs until XX/XX/XXXX which would be {$800.00} a month or pay the regular price of {$1200.00}. I chose to try and pay the interest payment in XX/XX/XXXX but will then increase in XX/XX/XXXX to {$1300.00}. 
I am a XXXX and a first year XXXX  at that. I barely make enough money to make ends meet. It takes one full paycheck to be able to pay that amount and there is no way I can pay the XXXX. 
I understand It is my responsibility to repay my loan I am not asking it to be forgiven I just need more manageable payments so I can life a normal life and be able to save. I am willing to up the money in the future when my salary increases but right now I can not afford this amount. 
it says on their website they are willing to work with you and I have not had this be an option. 
I have reached out to my governor, both senators and House of Representatives in some hopes of being pointed in the right direction and help with this issue. Who then directed me here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX  XXXX  XXXX XX/XX/2017 {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
This is in regards to Simmons Bank highjacking my XXXX. I made this money trading XXXX XXXX XXXX it also came from an inheritance in regards to XXXX XXXX XXXX. I have complained to the Arkansas AG, The XXXX XXXX XXXXXXXX, XXXX and the XXXX XXXX XXXX in XXXX XXXX who forwarded it to some supervisory authority. I suppose it is okay to steal billions of dollars in this country if you are a bank and leave me with XXXX per month in SSI? I have revoked the XXXX, XXXX, XXXX XXXX  and sent notification via certified mail to all concerned. They will tell you they owe me nothing. Do a full text search at XXXX You will find the XXXX XXXX along others, that's my money. I need help from somebody in regards to this matter.

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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's HomePlus store is trying to colectivo a debt or late payment of a installment loan. They call about 6 to 7 times a day. First call is always at XXXX. They are really bothering my home with so many calls. I told them to stop harassingme and my home with so many calls. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, For the past several months I've contacted Transunion and XXXX regarding the INACCURATE reporting of a charged-off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. For over 7 mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of XXXX credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) Ex. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as 90 days late. ( NOT POSSIBLE )

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is reporting on my Transunion profile that XXXX XXXX is removed. It is inaccurate because the account is still being reporting on Transunion and XXXX XXXX XXXX is reporting false information. 
Transunion and XXXX reporting XXXX XXXX is removed from the profile Transunion and XXXX that it's removed. This is not true In addition XXXX is reporting said account multiple times which I have tried to address

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2021 around XXXX  I ordered silver coins from XXXX XXXX for what was a very good price {$390.00}. I decided to research the company as I found my price was below the current price of spot silver. Impossible to sell at less than cost. Within an hour I called their phone number-not working- and emailed them cancelling the order.I I contacted Capital One the CC I used and told them to eliminate the charge. No problem. Within XXXX weeks the money was credited back to my Capital one card. Case closed to my satisfaction. 
A few weeks later the money was again charged back to my account. 
I did a complete study of XXXX XXXX and spoke to Capital One about the problem. 
I waited. Nothing happened. After repeated phone calls Capital One informed me that they had emailed me ( never received ) and sent a letter to my correct home address _received_ informing me of the details. I sent them complete research showing my cancellation email etc. I asked them to reopen the file. Many phone calls and I was told hey contacted XXXX who said coins were sent. A lie. Thus I was charged again. I faxed and sent by mail all the details. I checked with my post office using the tracking code XXXX gave as proof of delivery. The post office said it was not for me at my address and it was fake. PO said contact your credit card company. Capital One never checked the proof of delivery with the Post Office for accuracy..to date nothing done by Capital One

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, On XX/XX/XXXX of XXXX, I made a purchase at the Kohls 's retail store for {$100.00} using my XXXX XXXX credit card. After about 1 month I received a letter from Kohls 's charge with an invoice of the same amount. I immediately called explained the situation and disputed the charge. I was given a fax number to submit the documentation ( this is where all the problems started to occur. I tried to fax the information to the number I was given which was XXXX. I tried a minimum of XXXX times ( using both provided numbers ) to fax the documentation, and the number was always busy. I called and was given another fax number which was XXXX, and that number was also busy. I spoke with a rep and was given an email to submit the information too. On XX/XX/XXXX I submitted an email explaining the situation to Kohls and did not receive a response. I then called and was told the case is under investigation. At this point, I was called every week or 2 to check in on the status of the dispute and after about 1 month received a letter saying I did not submit any documentation. This is exactly what's been going on between me and kohls for the last several months. I even mailed in a letter to their XXXX XXXX XXXX on XXXX XXXX, XXXX XXXXXXXX, yet they still would tell me they did not receive anything. I spoke with a Kohls Rep and got approval to send another email of the documentation, which I sent on XX/XX/XXXX. Moving forward they stated the case was under investigation for about one month. I kept following up every other week and was told once they receive the documentation they will remove the charge from the account. 

The Kohls team was not willing to help me with my situation and was only worried about their credit balance being paid off. I spoke with a Kohls 's rep yesterday for XXXX minutes to try to get the case resolved and they were not interested in help, rather were pressuring me to pay the balance of {$340.00} dollars. Then the rep started to put words in my mouth which I never said. This has reached a point where I can no longer waste any further time to speak with any of them. I will leave all documentation I have for review. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian consistently fails to update my credit score, constantly reports my credit score way lower than it actually is, and ignores my requests for solving of the problem. This low credit score reporting is inconsistent with the other XXXX major bureaus and my on monitoring of my credit, which impacts my ability to make any major decisions like home or car loans. I believe it is based on factors of my personally identifiable information linked to the pattern and history of false and discriminatory practices against XXXX XXXX in XXXX, especially XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: AL

Complaint narrative:
I recently paid the debt debt collection dealing with XXXX XXXX XXXX to ASSET CARE located in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They had not removed the letter but sent me a letter in the mail stating the debt was paid. 

Now that I received the letter it has been placed again under a company that is right accoss to their building CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I believe this company is trying to scam more money from me under another debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, was denied an extension of credit by American Express for the XXXX time in the last 3 months and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a XXXX Credit Card and when I went for a limit increase back in XX/XX/XXXX. In good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with American Express by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that American Express resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXX XXXXXXXX XX/XX/2018 {$700.00}.

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 2022-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an alert on my personal credit report, stating that a collection was placed on my report in the amount of {$430.00}. I immediately disputed the collection, stating that it wasn't mine and it was illegally placed on my report without prior notification, not allowing me to dispute the item. The first dispute letter was return as " not a deliverable address ''. The company removed the collection from my XXXX and XXXX credit report, but it was still on my XXXX report. I then wrote a follow-up letter on XX/XX/XXXX, disputing again, asking that the collection be removed. The second dispute letter that I wrote was returned again, stating " not a deliverable address ''. This collection is still reporting as of today on my XXXX credit report, which is affecting my personal credit score. There is no way to reach out to this company as the address listed is incorrect and there is no phone number listed. I would like this collection removed immediately from my personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, was denied an extension of credit by Chase and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a Chase Sapphire Card in good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Chase by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Chase resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent multiple letters to Experian regarding two Bankruptcies on my consumer report. They have constantly sent notification that they have been verified. I have asked for methods of their verification and they stated that they received verification from the actual court. Please tell me how can they received verification from the court and the courts do not verify or validate information. I have sent them notification regarding the bankruptcy courts and they said that they verified it through Clarity Consumer Reporting who are affiliated with Experian. Upon pulling my Clarity Consumer Report there is no bankruptcy listed on the entire credit file. They are in violation of 15 USC 1681b ( 2 ) I have never given them written permission to furnish any information within my credit file. They are also in violation of 15 U.S. Code 1681 ( b ) regarding the accuracy of the report. I will also be filing a report with the FTC.

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 2022-02-17 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: Finco Holding Company LLC
State: WA

Complaint narrative:
I aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in 5 years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly 5 years. Which contributed to my current credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NJ

Complaint narrative:
This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the 4th time reporting this issue. Transunion is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. One time is a mistake, 4 times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.

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