vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Applied for a credit card with XXXX XXXX XXXX on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from Experian that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my Experian report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or XXXX XXXX XXXX had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID 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 2017-07-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On X/XX/17 I sent them a certified/return receipt letter to validate this debt with my signature. They received and signed for my letter on X/XX/17. On X/XX/17 they responded with a letter dated X/XX/17 stating they verified and are reporting my account accurately to the credit bureaus ( attached ). Account number in question is XXXX. On X/XX/17 I sent out my next letter which was 31 days after they signed for my 1st letter. This 2nd letter was received and signed for on X/XX/17. I received a 2nd letter from them on X/XX/17 dated X/XX/17 ( attached ). Both of their responses were the exact same letter. I pulled my credit reports with all credit bureaus on the day they signed for my 1st letter and the 31st day after they signed for them and they had not placed a notice of dispute in comments on any of my reports and they did not send my proof of validation, only verification, which are different. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2017-07-31 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: GA

Complaint narrative:
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

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 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I signed up for a credit card through Frontier Airlines in XXXX 2017 while on a flight from XXXX XXXX to XXXX. Their stewardesses were promoting 2 free trips anywhere in the US with a single purchase on the card of any dollar amount, or a single international round trip ticket. I made a purchase on the card and received XXXX miles. I am unable to redeem the miles given for the 2 free trips. There are only select cities and dates that apply. The stewardesses outright said there would be no restrictions on the promotion. I was lied to and I would not have signed up for the card if I knew there would be restrictions.

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 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, Transunion and XXXX. I have a excellent payment history. I am XXXX XXXX and 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 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and Equifax. I have a excellent payment history. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 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: MA

Complaint narrative:
Navient really do n't care about the borrowers at all. Sometimes I when I already made a payment online they would still call me about it which is extremely annoying. What 's worst is they would harass my co-signer and family about my loan which obviously violates the laws as they are not allowed to that to begin with. My loans is never consistent as well since it went from paying {$320.00} in 2013 to {$520.00} today. It just kept on increasing as the year goes by. Because of the way the separated my loans into individually ones, it looks worse than it should be and if you have a missed payment, forget it, it will report on each one. Is horrible that they do n't just combined them into one since you are making one payment that gets divided into the other loans anyway. Because of this, my credit report is damaged. I asked if I could have some late payments removed from my report but they never responded me. However, it get reported to the credit bureaus instead that I was disputing them. So obviously nothing came out if it. Lastly, at one point I got into car accident around XXXX 2013 and had to take medical leave because of my injuries. However, when I explained my situation to Navient, they reported me late anyway on my credit report and when I ask to defer my payments while I try getting back on my feet, they said that they would have to charge me a fee in order for me to do that, which was around {$200.00} which is completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00} Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender : XXXXXX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.

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 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MI

Complaint narrative:
I am being contacted by a debt collection company for a debt that is not mine. I believe this debt is a result of identity theft. This company has not validated this debt per my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: LEXISNEXIS
State: NC

Complaint narrative:
I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: GA

Complaint narrative:
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

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 2017-08-01 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: GA

Complaint narrative:
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The Hyundai Motor Finance company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was  hit over XXXX points. I tried to call HMF, but they would only say they have no information and I need to connect with their collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I participated in the " Payment Safeguard Classic '' program provided by Citibank through Citi/Aadvantage XXXX XXXX MasterCard. One of the benefits in that program is called Auto/Home/Renter Deductible : " Either the Account Balance Credit or the amount of the deductible whichever is less, up to {$500.00}. The Account Balance Credit is equal to the new balance shown on your statement for the billing period in which the loss occurred. '' On XX/XX/XXXX, I got a car accident and my car insurance paid for the repair but subtracted the deductible of {$500.00}. For that billing period ( XX/XX/XXXX-XX/XX/XXXX ), my statement balance is {$500.00}, so I submitted a claim of {$500.00} ( on XX/XX/XXXX ) as per the  Auto/Home/Renter Deductible benefits. However XXXX XXXX ( the insurance/service provider of Payment Safeguard program ) refused to pay the coverage. They told me the " loss date '' was defined as when the deductible was paid and according to my car insurance company record, they sent me a check to cover repair payment on XX/XX/XXXX which was in the next billing period with no balance. XXXX 's definition of " loss date '' does not make sense to me as I suffered the loss on the day when the accident occurred ( XX/XX/XXXX ) and I have no control over when the car insurance company cut a check to cover my repair, so I asked XXXX where I could find the definition. XXXX told me it should be somewhere in the program T & C. I went back to check the T & C and found no such definition. When I called back to ask for clarifications, I was then told it 's a well known definition, so they do n't have to put it in the T & C. I think they just refused to honor the coverage benefits regardless of the program T & C. I have attached XX/XX/XXXX 's latest version of T & C to show the fact that there is no definition of " loss date ''. I do n't know XXXX 's real intention of not providing clear definition of such an important term. However I believe a generally accepted definition of " loss date '' should be the date when the accident occurs.

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 2017-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have a loan with XXXX. Every time I make a payment not all of the payments are being processed. My loan has actually gone up and not down. The way they calculate interest is wrong. I think that I have paid much more than I needed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Per XXXX at XXXX XXXX XXXX Ph # called and gave me ID # XXXX. She stated that the file is in litigation status and that they have filed a civil suit againist me. When I requested to get the debtors information she declined information several times. She transferred me to another Rep whom gave me the information for Bank of America and gave me a number. I called Bank of America and they advise that that Case Manager XXXX would help me. I spoke with XXXX whom advised that she was collecting on a debt from 2008 I advise that the statue of limitation for collection has been exceed and she went to say that they had the right to continue to sue me for {$6700.00} for a credit card that I am not even aware that I had. I asked for more information but they wanted to just continue to ask me for my personal information such Social and DOB and address.

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