vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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: Conduent Incorporated
State: CA

Complaint narrative:
I received a deposit of {$23000.00} on XX/XX/XXXX onto my XXXX debit card for back child support payments. Beginning on XX/XX/XXXX ending on XX/XX/XXXX, my XXXX/XXXX number was stolen ( My child support payments are deposited onto this card ) and fraudulent charges in the amount of {$21000.00} were made. I live in XXXX CA and most of the charges occurred in XXXX CA and on dates that I can prove myself nor anyone I know were in those cities. I have always had my card in my possession. It has never been lost or stolen. I had no idea of the fraud until I tried to use my card and it was declined. I called the automated XXXX phone line and was alerted to there being a {$0.00} balance. On XX/XX/XXXX, I immediately contacted XXXX to report the fraud. I was told that my statements would be mailed to me so I could review the charges. And that I only had 10 business days to place a fraud claim. On a side note, I have been in contact with XXXX numerous times regarding issues with accessing my account online. I was told a technician would call. And I have still not received a call from a technician. If I had access to my account information online, I could have noticed the fraud in XX/XX/XXXX instead of two months later in XXXX. When I had not yet received the statements in the mail by XX/XX/XXXX ( 1 day before the deadline ), I called XXXX again and was told the statements had never been ordered by the rep I spoke to on the XXXX. So, I spent 3 hours on the phone with XXXX handwriting every transaction that was not made by me. I faxed all the required documents on XX/XX/XXXX. Then on XX/XX/XXXX, my statements arrived and I found additional fraudulent charges. I re-faxed the updated information to XXXX on XX/XX/XXXX. When completing the paperwork for the XXXX claim, I did make note that my daughter, prior to XX/XX/XXXX, had used my debit card, WITH MY AUTHORIZATION and with me in the car. Due to this, XXXX closed my claim with no investigation. Please see attached letter regarding the closing of my claim. I was never offered the option of direct deposit for my child support payments, but have now set that up. During this time, I filed a police report and reached out to XXXX XXXX, the issuing bank on the back of the card. XXXX XXXX was of no assistance stating that XXXX is responsible for the handling of fraud claims. My issue is that {$21000.00} of my money was stolen and I am not receiving the attention this dire situation merits.. I am not the only XXXX holder that is in the situation. If you XXXX " XXXX Fraud '', you will find over 600 bad reviews. I feel like I am running in circles, having spent hours on the phone, sleepless nights and experiencing high anxiety, with no help or resolution in sight. I would like to file a claim against XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018, 30-days late? - how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX 2018 ; XXXX 2018 ; and XXXX 2018, 30/60-days late? - how? ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank issued the XXXX XXXX Credit Card, which includes a benefit for up to a {$50.00} statement credit for online subscription services after spending {$5000.00} or more on the card per cardmember year. My cardmember year starts on XX/XX/XXXX and end on XX/XX/XXXX, the next year. I've spent more than {$5000.00} during the XXXX cardmember year, with {$44.00} in approved subscription services XXXX XXXX, XXXX XXXX XXXX. As of XX/XX/2019, 45 business days after the end of the calendar year, XXXX has only issued {$14.00} as a statement credit for those subscription services. They are missing {$30.00}. I have tried resolving this issue directly with XXXX four times, one via phone and three times via secure online messaging. They have not agreed to issue any statement credits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have fallen a couple of weeks behind on an Oportun loan and they are constantly harassing me by phone, harassing the person 's in which I gave Oportun their phone number for reference by telling them that they can not contact me when I have been in contact with them by phone at least once per week and usually twice per week with payments or updates. I received a letter from them today threatening to sue me over the late payments in which they claim that I am 47 days late and have {$230.00} overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: DISCOVER BANK
State: IL

Complaint narrative:
I have a dispute that Discover have not resolved. A partial amount was credited back to my account in the amount of {$380.00} from the merchant. This is only XXXX out of a XXXX dispute that was in favor of the Merchant by Discover back in XX/XX/XXXX. I did not authorize this refund for half of the amount of my XXXX when my secondary insurance was never billed by the provider. I rightfully do not owe any money to this provider with two covered insurance policies. My claims are currently under investigation with my insurance provider 's, and I do not owe anything to this provider as I was told meaning the {$750.00}. 

I was also told that my refund will be in the form of a check by the provider. However a Partial refund of {$380.00} was put on my discover account without my consent. I requested for Discover to return the funds back to the merchant because I was told my funds will be in a form of a check, and that's what I want. I do not want this provider to have anymore access to my Discover credit card. Discover has refused my request. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I went to the Minnesota XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX program. I enrolled inXX/XX/XXXX with the goals of becoming a probation officer. This school got shut down for fraud in XX/XX/XXXX, only 4 months from when I was to graduate with my XXXX. With this closure, students back to XX/XX/XXXX are being hurt. Since, I have student loans through two different companies, one of which I am referring to here. After my school closed for fraud, I had been in contact with my loan companies. I have two, a federal and private loan. I am referring to the federal loan here, which I am currently on a postponed payment status with, only until XX/XX/XXXX of this year. I talked to this borrower ( Nelnet ) about what to do with my loans being I am unable to use any of my schooling, but yet required to continue paying. My response after I applied for loan forgiveness was that I do not qualify. The problem is, I qualify for all of Nelnets requirements of loan forgiveness. The school ( XXXX ) is getting away with saying I " withdrew '' from the campus, when I was actually forced to quit without a transfer option. The school canceled my program quite a while before the closure came about. Because the school is saying I " withdrew '' due to their main campus being open for some days after my campus, the loan company is saying I do not qualify due to this statement. The fact is that I was forced to quit because the whole XXXX program of XXXX was canceled and the only " articulation agreement '' with another school was not what it was said out to be. Therefore I had no transfer option, even to a different campus. On top of all this, what I originally went to school for was never a valid program to begin with. I can not even use my general classes in future schooling due to it being a complete fraudulent program. I am writing in last attempts. I testified in front of the Minnesota house today on this subject, as a result was told to contact this reference. Im XXXX, was supposed to graduate with a XXXX in XXXX XXXX around 2 years ago. Instead, I am {$50000.00} in debt with a credit score that dropped over 300 points and there is nothing I can do about it. I am working in a XXXX and XXXX XXXX. Not only am I trying to pay my regular life bills, I am trying to pay on something I have no choice about when I can not use any of the time spent in school. Even had I graduated, I would have never been able to use my degree due to it being a fraudulent program. I am not sure who else to go to after this. Please, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. 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 2019-04-11 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. 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 2019-04-11 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. 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
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
XX/XX/2019 To whom it may concern : I need your agencys assistance, yesterday I received a bill in the mail from a XXXX XXXX XXXX XXXX, and this debt collector is charging me for a fraudulent debt that I do not owe. 

They are claiming that as of XX/XX/2019, I owe a balance of {$270.00} to a XXXX XXXX XXXX   University, and their claims are totally false, as well as fraudulent. 

I have no outstanding educational debts what so ever, and I want this collection agency to remove this fraudulent debt off of any fraudulent file that they have created in my name, and I also want them to remove any false fraudulent information that they have placed on my credit files. 

I dont owe this debt, and I am not paying this collection agency, a dime, and I am writing your agency so that you can also investigate as to whether this collection agency is also billing others for fraudulent school debts. 

I want something in writing from this collection agency showing that this bogus debt has been removed from their files, as well as from my credit files, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
Aaron agency Inc. is a debt collecting company I have never heard of before much less had any communication with. The original debtor, XXXX is the original lender who I vehemently denied owing any debt to and filed a dispute with after they threatened that my credit would be effected negatively. I don't owe this debt and Aaron does not have authority to report on my credit without correspondence. I do not owe this debt and I dispute this debt.

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 2019-04-11 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: NJ

Complaint narrative:
XXXX XXXX  after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/XXXX states that I am a victim of identity theft.

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 2019-04-11 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: NJ

Complaint narrative:
XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/2015 states that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: NJ

Complaint narrative:
XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since 2015   states that I am a victim of identity theft.

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 2019-04-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I refinanced my mortgage with a new lender on XX/XX/XXXX and XXXX was wired a payoff. XXXX returned the payoff to the title company and in retaliation for refinancing with a new mortgage company XXXX reported to the credit bureau that I am 30 days past due as of XX/XX/XXXX. XXXX then accepted a higher payoff amount on XX/XX/XXXX after exorbitant fees were added. My credit report still reflects that the mortgage is open, late and 30 days past due. This information is incorrect as my mortgage is paid in full with 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 2019-04-11 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: FL

Complaint narrative:
Dear CFPB, Earlier this month I sent a letter to TransUnion disputing an error from my XXXX XXXX  credit card. The error with my XXXX XXXX  card was that XXXX XXXX inaccurately reported my payment as late. 

In my dispute with TransUnion I never, I repeat I never, told nor asked Transunion to remove the entire account from my credit report! 

TransUnion did not pay attention and removed my entire XXXX XXXX account, which for the last one year and 4 months was my only credit line which means it was the total of my credit history! 

In order to get a mortgage to have a house for my family later this or early next year I will need a credit history of 2 years! 

This error is putting my child 's and my future at risk! 

I ask for your help in having TransUnion not only restore my XXXX XXXX  account to my credit report, but also restoring the credit history dating from XX/XX/2017. 


Simply restoring my XXXX XXXX account to my credit report will not be enough. They must restore the credit history they carelessly removed!

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 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I sent payments via Bill Pay from XXXX XXXX XXXX to Santander Consumer USA. This was the wrong address. Because I chose the address as the payments should have been sent to Santander Bank. Because the error was mine XXXX denied reimbursement for the funds. Though XXXX and myself as well as my sister ( the intended recipient ) contacted Santander Consumer USA and Santander Bank the payments have never been returned to me. I have made numerous phone calls, including conference calls with XXXX and my sister, gone in person to Santander Bank and XXXX has contacted Santander to no avail. Santander Consumer USA confirms receipt of the payments but had no matching account number to apply them to because they were not loan payments. The payments were intended to go to my sister 's checking account with Santander bank. Rather than return the payments to me or forward them to Santander Bank, Santander Consumer USA in Texas kept them. We had spoken with XXXX and XXXX at XXXX among others. Please help me. I just want my {$250.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a victim of identity theft. I have tried on several occasions to dispute multiple charges on my Bank Account between XX/XX/2018 with Santander of charges that were not mine. I lost my Wallet and Personal Documents. My Information was used in a Fraudulent scheme. I Have Several transactions that I did not authorize on my bank statement and it has caused a hardship. Santander had denied my claims. I am providing the following documents as proof of claim. 

Affidavit of Forgery Signature Specimen Page Police 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