vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest Credit Company violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the account was not my and eventually showing charge off on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Opened a Chase Private Banking account XX/XX/2018 and was promised a {$750.00} bonus for my deposit after 90 days. Have call the branch reps and customer service on approximately 12 occasions and each time have been told I met the qualifications and the bonus would be deposited. It has now been 6 months and no bonus has been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
So I signed up and got approved for a {$1000.00} credit line. Best failed to get me my credit card in time and I get a late payment fee of {$27.00}. I ask them to remove the fee because I never had my card to make the payment and when best buy called me to even make a payment I still never had my card and it was already late. A week after I got approved and was waiting on my card. I called THREE times in one week to get it no my new address and they said it was on the way and I never saw it to about a month later. I called my bank to get refunded for the late fee they never took off and the whole best buy account gets pushed back 60 days and boom. So I talk to the lady and she says to me that everything okay you won't get a late fee report to your credit if you pay this amount and I did XXXX $ and my bank claim XXXX . I  made another payment of XXXX $ and till this day I don't know why I did but she claims I had another late fee soI just paid it to cause every time I call them they tell me something different. Now today I found a late payment on my credit report and he tells me it's because of my payment of XX/XX/XXXX that I didn't make a payment. Now, Remember I got approved in XX/XX/XXXX so how come I didn't get my credit card until XX/XX/XXXX and I was calling of XX/XX/XXXX. Best buy is to blame for this for the simple fact I had no credit card to sign up a credit account online to pay them because I ALWAYS pay a month ahead on my credit and poor communication of telling me to pay ahead so I can avoid a late fee.

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 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
For my account, there is NO account information about my loan -- payments, when they are due, how much I currrently owe, etc. 
When I log in to my account, this is what I see : Loan number, application date, effective date, loan status, final due date, original loan amount and view documents. 
When I click on " view documents '' it is only the documents I received about the loan. 

I have to call to get my loan balance. 
THE PROBLEM : everytime my balance reflects I'm almost " paid in full '', the balance goes up. I only borrowed {$950.00}. I understand that I pay dearly to borrow b/c of the costs they must make. 

Since my first payment XX/XX/2019 of {$380.00} monthly, I've paid {$2300.00} as of today. I've basically given them over {$1500.00} as of today. That is way too much overage for the company to be making off of people that are already struggling with bills, etc. 

Fair is fair ... 

However, borrowers should have access to vital information for their account -- I should not have to call the company. For all my other bills, I know exactly what I owe, when it is due, etc. NONE of this information is provided because then we can't track how much they are really charging us. 

Again, Fair is fair ... .Yes, I know I have to pay ALOT for borrowing, BUT now you are taking extra payments which is NOT fair. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DUE TO IDENTITY THEFT, THE INQUIRIES THAT WAS UPLOADED DOES NOT BELONG TO ME.

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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reports of Experian listing dark web information found on the credit report. Being denied employment. In XX/XX/2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address is registered on job boards, public websites such as XXXX for employment. Current Experian is reporting as a Negative on the credit report on personal information found in a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about these types of searches. Claiming Personal Identifiable Information, Defamation, and 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 2019-04-12 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: Credit Plus Inc
State: MD

Complaint narrative:
In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from Credit Plus would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from Credit Plus is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Credit Technologies, Inc.
State: MD

Complaint narrative:
In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: FL

Complaint narrative:
DUE TO IDENTITY THEFT, THE INQUIRIES THAT WAS UPLOADED DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Called Caine & Weiner to discuss an account on my credit report. was told i had two account and I asked for a settlement. A settlement letter was sent and i sent in the payment along with a letter asking ot be sent ot me that my account was settled or paid in full. Never received a letter back and the check cleared the bank. I called and spoke with a manager at Caine & Weiner and she asked if she could call me back to review my account. She stated a mistake was made with my account and that they would honor the settlement letter, Now the CFO stated they will not honor the settlement letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report No.XXXX ) in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is USAA. 
After 3months on XX/XX/2019 i got a call from XXXX XXXX and they say that i have to pay XXXX . 
When i called the USAA about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the XXXXXXXX XXXX and i have to speak with them. thay cant to anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite having been required to provide a LOT of personal information to register an account with Transunion, they will not let me log into my account to start a new dispute. For a multiple day period ( XX/XX/2019 ) any time I try to log in the login is canceled with the error : " We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. '' I suspect they are permanently " experiencing '' fake technical difficulties to prevent consumers from starting disputes.

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 2019-04-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.

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 2019-04-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 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 — Investigation took more than 30 days
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On or around XX/XX/XXXX, I received a mailer for a special intro offer for a DELTA GOLD AMEX for XXXX miles. I signed up via the link provided in the mailer, but upon calling Amex for a different reason, I found they were only offering me the standard XXXX miles offer, for no reason explained. 

They created an internal case to investigate the issue, XXXX XXXX XXXX but after several future calls they said they can not still uncover why I have not been awarded the XXXX miles offer which I am indeed eligible for, and they can not " get in touch '' with Delta to have it applied. 

I would have never signed up for this credit card if it weren't for the offer of XXXX miles. This appears to be a bait and switch to gain new card applications, and no one at AMEX can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Debt was paid in full when they garnished my tax refund check in 2013 I have contacted the the department of education on several occasions but they have failed to submit me the information validating the debt is very frustrating. I'm trying to buy a house and i cant get them to remove this negative information from my credit report. There is a big discrepancy on my report with XXXX XXXX XXXX as well which is very confusing both student loan companies are reporting inaccurate information. I was young at the time and didn't know the severity of this situation and how it affects my credit. Please help me with this situation as i try to progress to be a productive citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This Debt was paid in full when they garnished my tax refund check in XX/XX/2013 I have contacted the the department of education on several occasions but they have failed to submit me the information validating the debt is very frustrating. I'm trying to buy a house and i cant get them to remove this negative information from my credit report. There is a big discrepancy on my report with Direct loan Consolidation as well which is very confusing both student loan companies are reporting inaccurate information. I was young at the time and didn't know the severity of this situation and how it affects my credit. Please help me with this situation as i try to progress to be a productive citizen.

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 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
I was contacted repeatedly on XX/XX/2019 from a company. They asked to confirm my DOB and last XXXX of SSN but I told them that I wasn't aware of there company or debt with them. I asked for the name and address of the company but the representative said that he couldn't give it to me because he had to confirm my info first. I declined and he hung up. I called the number back and I asked the representative that answered for the name and address of this company. She wouldn't give me the address but gave me the name Halstad Financial Services. She told me to look them up on the internet. I am not aware of any debt that I have with this company. I asked them to mail me a validation letter and they said that they couldn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I writing to complain about the IDR repayment plan and the failure of PHEAA, through both AES and MyFedLoan, to properly determine eligibility, calculate payments, and process applications in a timely manner. Every year, both my spouse and I, submit our applications timely and they never get it right. Either they deny eligibility, though we are clearly eligible under the guidelines, they fail to calculate our payments properly, and they take longer than any other servicer to process IDR applications. This corporation should be stripped of its ability to service federal student loans and their servicing portfolio should be distributed to other student loan servicers. For example, XXXX has done an excellent job so far. I encourage you to review the accounts serviced by PHEAA. I personally have experienced an unnecessary capitalization of interest to principal and prolonged delays in getting my loan properly serviced. I dread dealing with them on an annual basis and dream of the day that my ( and my spouses ) loans will be transferred to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have an I.R.A. account with Wells Fargo. 
Their address XXXX XXXX  XXXX, XXXX XXXX, South Dakota XXXX Phone # XXXX I wanted to withdraw money from my I.R.A. 
The representative told me they were going to send me a form for me to sign via U.S. Mail That was XXXX XXXX I never received it so I called them today XX/XX/XXXX and got stuck on hold for over a half an hour. 
When the rep picked up I told her I wanted to speak to her supervisor about this matter and why I was on hold for so long. 
The rep gave this nonsense that her supervisor wasn't in. I refuse to accept that excuse which resulted in me getting angry. 
The rep hung up. 
I called again and was put on hold til another rep answered. She did respond by saying the form was mailed out on XX/XX/XXXX. 
I should have received it today which I did not. 
I have made previous calls prior to today and the only answer was " I don't know ''

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