vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: NV

Complaint narrative:
I am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports equifax, XXXX  and XXXX XXXX. 

XXXX XXXX Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Factual Data : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax Credit Report Inquires : XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX  Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has removed all data from my credit file, and has not replaced it. Potential lender/s state that there is no file available from Equifax. The third party entities that pull Equifax for my report, are not showing any information. Equifax has not responded to any requests to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On my Equifax and XXXX  credit reports it shows a bankruptcy from 2016. The reference number is incorrect ( incomplete, missing numbers ) and the name of the court is incorrect. All third party sites to verify this information have been frozen and the court in question does not provide information to third parties such as credit bureaus. I have tried to dispute twice now and neither Equifax, nor XXXX  will not delete or correct the information. They have also not provided to me where they are verifying this information, as all reports are frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was opened fraudulently attempts have been made to get the account removed from my credit report.I have disputed the account requesting proof the account was mine. Iv requested documentation showing XXXX # XXXX has the authority to collect from me. Iv contacted XXXX # XXXX directly and paid a balance that I was not supposed to in agreement that they would remove the account from my report. This account has been paid in full that was coursity on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am contacting you on behalf of my daughter who is XXXX. She opened an XXXX credit card through Barclays to purchase initially an XXXX  tablet for XXXX  XX/XX/XXXX. She was signed up for zero interest to pay off in 12 months. On XX/XX/XXXX she went to XXXX store to purchase XXXX. She put it on credit card to get " points '' and was to pay off when it showed up on her statement. She called Barclays and they stated payment would not go towards phone! Having now almost a {$1000.00} bill is VERY overwhelming and daunting for a XXXX XXXX   only working part-time! She was upset so we both called Barclays on XX/XX/XXXX and spoke with manager XXXX.I stated we were told we could pay off phone. XXXX indicated " no ''. I stated this was " bait & switch '' and I would be submitting a complaint.My daughter did make a payment for the phone including tax however it did not remove charges for the phone on her statement as they put it on zero interest for 6 months. I strongly believe this is how people get into trouble with credit cards! My daughter now has un-necessary stress as a result! Had she known this, she would have brought in cash. Someone should have stated that she would not be able to pay off following month.

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 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports XXXX, XXXX and trans union. 

Trans Union Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit Report Inquires : 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. 

Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. 

My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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:
I filed a dispute on XX/XX/2020 for a collection that shows on my transunion report, Transunion responded to me : " we found the information you disputed does not currently appear on your Transunion credit report '' This is false and it is still affecting my score and credit.

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 2020-01-14 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.

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 2020-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Hello, I would like to formally complain about how Navient is handling my student loans. I am very close to contacting lawyers to help me solve my issues as well. 

Loans in question are 2 private loans. 

Loan one - I took out on XX/XX/2007 for {$36000.00} I have always paid the amount that they give me as my minimum payment and have even paid OVER a time or two. I have deferred the loan a couple of times but only for a couple of months and at the very most 6 months total in time. I have paid into this loan over {$52000.00} to date. My loan balance as of today is {$41000.00}. I feel this is predatory and my minimum amount due should never be so low that my balance grows even while making payments on time. I have asked multiple times to Navient to lower the interest rate. I signed up for the loan with a rate lower than 6 % and it is now a 9.5 % rate and at times even went to a 10.5 % interest rate. 

Loan two - Is not as bad. I took this loan of {$12000.00} out on XX/XX/2007 and same as loan one have made the proper payments, may have been late a few times but always caught it up. I am a XXXX  so sometimes I don't have money and then others, I have a lot to catch up on things. But I have never been over 2 months late and never have had it deferred for more than 6 months total time. With making the payments that are set by Navient I have paid them {$16000.00} to date and my loan balance today is {$12000.00}. 

Two Loans were taken out totaling {$48000.00} in 2007, 12 years later and payments totaling over {$68000.00} and my current balance is {$53000.00}!! 

If this isn't predatory or illegal, I don't know.. This just does not add up. A company just collecting a debt should NEVER put out consumers like this. I can't afford a house and have put off a lot because of these loans only to find out that even paying what they say to pay is actually just making the balance increase?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: IL

Complaint narrative:
This is from a Kohls credit card in which had a maximum limit of XXXX XXXX dollars and it states I owe {$610.00}. My Kohls account was paid in full and closed so I have no idea why it is on my credit report as Exceeded the maximum limit and now Stating I owe over {$600.00}. I already filed a dispute with XXXX and this one came back with no change. I have tried working with the merchant and they are saying that the account was never paid in full, So it will remain on my credit report. I have just been able to get my first credit card due to one of the three derogatory notations on my report ; Kohls being one of them. I need it drops off my credit report as it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Reference CFPB Case No : XXXX The Complaint was never answered within the 30 days to your agency, they failed to comply because they knew they had commited all the violations as claimed and proved by me consumer XXXX XXXX, I don't know what to do do since I am a senior citizen and XXXX XXXX XXXX veteran, can you help me attached is the original complaint, FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7.,  Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act. If the contract includes a finance charge which is  determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older. ( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities. ( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I am enrolled in auto debit on an income-based plan. My monthly payment should be automatically paid. I enrolled in classes. Despite asking them NOT to put my loans in deferment, they did anyway. Then, when I asked them to take them out of deferment, they gave me the option to do so in a way that would lead me to be overdue on payments or not overdue on payments. ( immediately or shorten ) I chose the later option. But, they instead ended the deferment immediately, and then reported my account as overdue and capitalized the interest due. 

They've sort of fixed it by taking the account to the present, but the interest has still be capitalized and I have still missed a payment in their records. And, they made me agree to a forbearance, which means that I agree to the capitalization of interest. But, this was the only way to avoid being marked as paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Stop contacting me over XXXX  XXXX credit card account thats isnt mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was scammed XXXX $ via XXXX  transfer to a recipient who was selling a product. Though i authorized the payment, i still believe the bank should be held liable to give a refund since they have done nothing to protect their customer ( me ) from common problems like this and they have not taken the time to redesign the function of this money transfer system in a way that it would protect the customer from common fraud/scams like these. The bank knows who the recipient ls and the bank has the options to fix this issue but simply chose not to. It is said that XXXX is backed by the banks and is safe to use yet when issues like this occur no one wants to help. This can not go on. It is time for the bank/ XXXX to take responsibility and fix these flaws withing " their '' system.

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