vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 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: DISCOVER BANK
State: TX

Complaint narrative:
I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX XXXX  and XXXX credit report reveals that a fraudulent application was submitted TO Sterling Jewelers with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute of this fraudulent inquiry was submitted to Sterling XX/XX/XXXX however a current credit report still shows the fraudulent data is still being reported which is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: CA

Complaint narrative:
I HAVE 27 INQUIRIES ON MY XXXX AND TRANSUNION REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED XXXX AND TRANSUNION SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Case number : XXXX Sirs, XXXX XXXX has refused to properly transfer the account from me to my wife, even though the divorce ( now final ) specifically states that she is solely responsible for that account. 

What can your office do to have XXXX XXXX clear up this problem. Please do not tell me that I may need to take legal action, as being on social security, that is not an option. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: IL

Complaint narrative:
I have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Up until 2013 I was a customer of Bank of America. I had perfect standing accounts at all banks and financial institutions and a great credit score. Sometime later in 2013 I had deposited a check from my  partner from a different bank to my personal account at Bank of America. I had no idea that the check would bounce but it did weeks after the deposit. I had used the funds and was unaware of the account status until returning from my trip. When I was back in town and made aware of the issue, my account was already closed ( charged off ) and I was reported to all credit agencies and put on XXXX XXXX. I made the account current but the bank made it clear that the reporting decision was out of their hands and did not give me any direction on how to dispute the situation. Not only was I reported to XXXX XXXX but I was also reported to all financial institutions and credit agencies as a person who has committed " fraudulent activity. '' I was wrongfully reported to the agencies as a fraudulent customer and this has not only defamed my character at a life destructive level for me, but it has specifically caused me major financial loss in every category of my life ( business and personal ) and has led to my current situation of being supported by the government for the very first time in my life. I was a successful, young entrepreneur and professional before this incident and I am now suffering from major mental issues and emotional distress caused by the unlawful decision/action by Bank of America. 

I have tried resolving this matter directly with Bank of America from the very beginning with multiple attempts at a settlement and resolution but each time was involved in a process that took 6 months or longer to receive a general rejection at the end with no legitimate explanation. 
The case number I was assigned for the claim by BofA was : XXXX This situation has not only banned me from opening a bank account/financial account anywhere in the country since the incident, but has also led to the closing of my businesses ( due to my inability to have any financial account ), loss of business partners and trust with individuals who were made aware of this situation since I had no control of the information, decreased my personal credibility and professional credibility and credit scores across the board, and has ultimately led to my inability to continue my lifestyle and professional life. I have lost everything I have worked so hard for since I was a child.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Hello, I 'm contacting you in regards to some concerns I have with the way your employees at your headquarters are handle business practices within your company. I recently applied for a car loan on XXXX XXXX and was given options on my loan based on my consumer report and annual income. When I contacted your reps to verify nothing else was needed, I was told only my license needed to be uploaded and my check stubs just in case your underwriting dept needed them. After uploading these documents, a few days after the holidays I contacted support to get the status. I was then told some information that was incorrect and wanted to speak with a supervisor, after being connected with team lead XXXX in Arizona instead of being assisted with my concerns on what I originally called in about I was attacked with all kind of questions that I felt was unnecessary to ask being the underwriting dept had already emailed me with a few things that were needed to move forward and out of those things I only needed to provide one. XXXX began to ask questions that I felt were inappropriate for him to ask. He also informed me that on a previous application that was submitted months before there was n't any verification done for a fraud alert I have on my credit report, also informing me at the time there was n't one on the report and that 's why the verification processes was n't done. I then contacted XXXX to make sure this was true and it was verified it was n't. After receiving the initial email of documentation that was needed after getting off the phone with XXXX I received another email and suddenly documentation requirements changed. XXXX not only went on Secretary of State to investigate the company but also accused me of not being an employee but the owner! After, I explained that I was no longer affiliated with that part of the business and was just an employee XXXX he continued to find other unethical reasons why they could n't go any further. " The number on the account created with XXXX did n't match the number on my credit report '' even after I verified the number on my report with XXXX he never took the proper measures to verify me which was calling the number listed on my consumer report and verifying security questions. I 'm disgusted with the way I was treated and investigated despite the information I provided and furthermore I feel as though decisions were made based on feelings and not fair business practices. After, resolving that issue XXXX wanted additional information other than the check stubs I provided. He began to ask for scanned documents from the bank even after I provided my check stubs and bank statements from a legit bank institution showing proof of income. After, complying with all his requirements he still refuse to approve my application

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: FL

Complaint narrative:
ALLIED INTERSTATE DEBT COLLECTION AGENCY IS CALLING 6-8 TIMES A DAY FROM DIFFERENT PHONE NUMBERS. MESSAGES ARE NEVER LEFT. WHEN I BLOCK THEIR NUMBER, THEY CALL BACK 15-30 MINUTES LATER FROM A DIFFERENT NUMBERCALLS ON X/X/2018XXXXXXXXXXXXXXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 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: UT

Complaint narrative:
I was sent a credit card offer from Chase Bank for a XXXX XXXX credit card. The offer said that if I get the card and spent {$3000.00} in the first 3 months that I would get 50,000 bonus miles for XXXX XXXX. I applied for the card in XXXX of 2016 and I was approved. I called in to Chase Bank to see if I would qualify for the offer and they said I would get the offer. I spent more than the {$3000.00} limit to the get the offer. I canceled the card and chase told me that the miles would expire in 2 years. After my account was canceled my miles disappeared. I have been trying to work with Chase to get these miles back but they said that m account was purged. I did nothing wrong and now chase will not work with me to resolve this issue. The account number on this closed account was XXXX. I have also received a letter from Chase saying that I was supposed to receive the bonus. I will attach that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX  XXXX XXXX in the amount of XXXX from XXXX using my XXXX XXXX XXXX XXXX. When the device turned out to be defective, I attempted to contact the manufacturer on XX/XX/XXXX for warranty service, only to discover that XXXX was unwilling to honor the lifetime warranty for the device. XXXX has informed me today that it is XXXX policy that a manufacturer's refusal to honor the terms of its warranty cannot be a legitimate grounds for disputing a purchase, even in a circumstance such as mine, where there is no option for returning an item via mail that was purchased online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: KS

Complaint narrative:
I cleared my apartment on XX/XX/XXXX-2012 With a move out balance of XXXX  dollars. Due to being XXXX XXXX Military and leasing with this company I had to enroll in the RPP program to protect service members as well as the company leasing the apartment. I have no clue why they charged me and continue to effect my credit. Attached is the document signed by myself and XXXX XXXX XXXX manager in 2012. I finally found this document when going through old files.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CASHCALL, INC.
State: CA

Complaint narrative:
This is my office work number we are talking about at my work.XX/XX/XXXX XXXX: Got this collector from Cash Call calling me at my work number talking down to me and would not stop or listen to me and just rudely interrupted me and kept on over voicing me. I told him that this my work number and to call me again .XX/XX/XXXX XXXX: Calls back again telling me that he'll call me as many times as he wants and there's noting I can do about it - As I am telling him off, he thinks it's the funniest thing in the world. I warned him that I will report him if he continues to call me at work.he said he will continue to do so as long as he pleases and I hung up again and didn't answer my own work phone anymore.Got pretty sick and couldn't work until XXXX XXXXXX/XX/XXXX: Calls again and we end up in another yelling and screaming contest, where he is saying that the calls are being recorded and i better talk to him otherwise he would play them to my supervisor so he can hear the language I am using and what kind of a person I am. Again I am telling him not to bother me with his calls again at work and again he is saying that he will continue doing that. Now determined to file a complaint I ask him for his number he says as he gives it to me there we go, call me when you calm down and we can talk again. I hang up.XX/XX/XXXX around XXXX: I have a voice message on my work number, ridiculing my work title and ordering me to call him back at the XXXX number - I assume this a variable drop and get a new number type thing, because there hasn't been any reports on it yet, so all this stuff with proper caller ID etc per FCC + FTC guidelines are a joke for cashcall and nobody steps on their toes.I know he will not stop, so I will not be answering my WORK phone for a while because of this XXXX until I get a response from the CFPB, while I look for a good attorney to get the voice recordings and sue the fine people involved in this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX  credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.

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