vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NH

Complaint narrative:
I was looking for a new credit card that gave me cash back & a transfer options.I found a great deal at a Discover Card plan on the Discover Card website.It sounded to good to be true. It said 0 % interest for 18 mo.on  transfer balances. I called Discover Card & ordered a new card. Today I tried to make a transfer of XXXX to their card & was told that their was a 3 % charge to do that. It did not say this on the Website, but it turned out to be on other documentation that was sent to me, further.down on the page.I was thinking that the offer was so good that I might pay the {$60.00} & get on with it. I then checked the interest rate page & came to find out that you have to pay almost 15 % interest on the balance transfer as that was not part of the deal. Everything else was interest free except balance transfers & cash loans. So, my ability to save was nil.All though I was not scammed it sure felt like it. This is just a bad case of deceptive advertising & it should stop. Thought you  should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
credit reporting company needed a copy of my driver license and ssi card so i am providing a copy of my all affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Private loans with Navient ( " Signature Loans '' ) were discharged in bankruptcy. Navient reported accounts 'closed ' on my credit report with XXXX   balance due. 

Discharge dated XX/XX/XXXX / XXXX  district Illinois. 

They later claim that the loan are now in repayment. 

I feel compelled to not make payments for loans that show as closed and XXXX balance on my credit report. 

These need to be confirmed as discharged with Navient 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MA

Complaint narrative:
In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I registered for my Chase card XX/XX/XXXX. The promotion I signed up for was to spend {$2000.00} and earn XXXX reward points. I contacted Chase in XX/XX/XXXX prior to my 3 months period ending to confirm I have met the requirements and the Chase representative assured me I met the requirements and do not need to spend any additional dollar amounts. 

I tried to create my Chase XXXX rewards login but I was having trouble being that the points did not show in my account. I contacted XXXX regarding the points starting XX/XX/XXXX they assured me they will reach out to Chase and follow back up with me. A week later, I get an email from XXXX stating Chase denied my request and the offer is to spend {$3000.00} for XXXX points. I sent a screen shot of the promotion I signed up for and a few days later they responded saying they can not assist me. 

I contacted Chase multiple times and they assured me they will work on it and follow up with me. A week passed and I did not hear back from anyone. On XX/XX/XXXX I called Chase again and the representative said she would place an encounter for me to escalate my case and to follow up the following Monday. On XXXX I called back and another Chase representative said there are no notes on the account or escalations. I explained I am planning my wedding and would like to use the points soon and if possible to mark it as urgent. She told me she can't and to follow up on Friday XX/XX/XXXX. I called today and I spoke with XXXX, supervisor at Chase and he told me the request is denied and there is nothing he can do. I explained to him the offer I originally signed up for was to spend {$2000.00} for XXXX points in return which I met and was assured by a Chase representative. I told him I have a picture of the promotion and I can send it to him and he insisted Chase will not honor it. 

XXXX went on to say he can not help me however, if I can give him the EXACT date I called Chase ( over 4 months ago ) he can place a request to listen to the call. Of course, I couldn't pin point the exact date and XXXX went on to say there is nothing he can do for me. I have been a loyal Chase customer for over 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit monitoring service called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free MyEquifax program to restore the freeze on my credit file. Unfortunately, the MyEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but that did not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also could not and can not re-freeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation,  Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I  am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Sirs : It is my understanding that in XX/XX/XXXX Equifax implemented a new system for consumers to manage security freezes on their credit report. The new system appears to operate under the web address of myEquifax.com. Apparently, since your conversion to the new system, you have suspended my access to my online account and I am no longer able to access the online system to temporarily lift my security freeze, when I require that action be taken. I discovered this system error in early XXXX when I attempted to temporarily lift my security freeze. After several different sets of instructions from Customer Care, I had to use the phone-base system to perform the required action. The Customer Care organization in the XXXX is unable and unwilling to determine what was done to my account and what I am required to do in order to have my access restored to myEquifax.com. I have been calling Customer Care on a regular basis and continue to get the same tpe of response I'm sorry to hear you're having a problem, I will submit a report of the problem, and You will receive an email when the problem has been resolved. All of this occurs usually after I am quizzed about the contents of my credit report so they can be assured they are actually talking to me ( they all use the same script ). The end result is that nothing has been done. 

This has the appearance of another breach of your fiduciary responsibility in handling personal information of the people whose data you harvest and then sell for a profit. I have been trying, unsuccessfully, for several months to get any substantive information about why my access was removed and what I have to do in order to get my access restored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I spoke on the phone with XXXX from your Billing Dispute department from Kentucky on XX/XX/19, and she opened the dispute ( XXXX ) because she mentioned that the correct reason for this dispute is that I have not received my order. Up to this day I do not have any merchandize and I lost {$3700.00} so I am left with nothing.

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 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I read your response XXXX XXXX .... you are essentially saying 2/3 cards that I said were stolen are written off and you can not find me responsible. I reported all these cards stolen the same day. You understand by saying what you're saying you are admitting I had credit cards that were fraudulently used on the same day/night and you're trying to worm your way out of the XXXX XXXX  charge. I assume you are attempting to hold me responsible for the XXXX  charge. In order to hold me responsible you need to prove I was present at the store. Please get a video from the XXXX  store of me purchasing the XXXX product and I will pay in full immediately. I like how you said you wouldn't respond guess what you're gon na respond again, every 15 days Im gunna be writing you a letter until you make this right. Eventually your company is gunna end up paying {$12000.00} + on just responding to me. Do the right thing give me my stolen money back. No jury of my peers is going to side with your company without concrete evidence. I however have ample evidence I was not there at the time I.E. Clock in records of me clocking in at XXXX ( PT ), employees saying I was at work, the fact that the charges took place 2 hours away from where I worked, the fact the person who used my phone ( you admit ) sounds different than me a failed my password and did not know my social security number, the fact you told me to drive to the XXXX store and not to worry because you spoke to the security team and let them know to give me my money back. Way to many facts are against you please do the right thing you will lose in court and I will make sure the case gets seen by all government agencies. {$12000.00} is not going to be worth a Multi-million dollar fine for attempting to rob your customers. Do the right thing give me my stolen money back.

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 2019-01-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I have a claim in progress but also wanted to report the company representing XXXX XXXX at XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting false information to the credit bureaus. The XXXX at XXXX XXXX XXXX send us a final bill for our apartment so we paid the full amount on XX/XX/2015. We received confirmation from the manger on duty to let us know that our account was closed and no further payments or requirements were required from us. However, I recently checked my credit report and I noticed that XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting on my account as a collection in the same amount of {$550.00} that we paid for. I contacted The XXXX at XXXX XXXX   XXXX to investigate the reason why I was in collections for the same about that we provided payment for. The XXXX notified us that there is nothing that they could do - that we had to resubmit the payment. I'm attaching a copy of the check dated for XX/XX/2015, bank statements, and my credit report to suppress my case.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
they are charging me interest outof this world and i told them i did not have XXXX $ after i only took out the loan for XXXX $ and paid them XXXX $ something like 5 times and i still owe more than the XXXX then they will not stop from hitting my bank account after i asked them too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a correspondence from Dynamic Recovery Solutions dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of XXXX XXXX XXXX. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with XXXX XXXX XXXX. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted the servicer of my loan requesting to speak to a supervisor. I was promised a return call and I never got a call back. This is not the first time this has happened. Whenever I ask to speak to a supervisor regarding any type of inquiry I'm told they are in a meeting and I will get a call back but this never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation