vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-15 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: IN

Complaint narrative:
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX/XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX/XXXX as of XX/XX/XXXX for my VA loan. I have also asked for my FICA score to be reversed due to XXXX/XXXX not submitting payments made since XX/XX/XXXX after cashing checks with my VA loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX 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 2017-10-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX 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 2017-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
hsbc checking XXXX denies customer printed checks. why? never got checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Experian about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

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 2017-10-15 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report XXXX has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company World Finance World Finance will not respond back to my request or will not provide me any information regarding this account  also. So they 're not able to validate or verify the account so it must be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

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 2017-10-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late

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 2017-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Nickname, Account XXXX XXXX XXXX - XXXX I am appalled by the fraudulent actions committed by the Pentagon Federal Credit Union following a BILL CONSOLIDATION LOAN that I requested from it. In order to be thorough with explaining the scheme applied by the Pentagon Federal Credit Union to defraud me, it is imperative that I break down with the series of events designed the organization to rip me off through the loan. I am a victim of identity theft and no one can apply for a loan under my social security number without first confirming my total identity through the telephone. When I applied for the loan through the Pentagon Federal Credit Union website, I was informed that a decision on the load could n't be made without contacting me first and I waited until I received a phone from the credit union the next and I was informed that based on my credit score, I was approved for BILL CONSOLIDATION LOAN AT A OF 9.99 % and a check and other documents would have been sent to me. I received the check from the Pentagon Federal Credit Union about 1 week later without other documents to substantiate the promised interest rate and I proceeded with cashing the check since I relied on the information which was given to me verbally ( 9.99 % ) when my information was verified by the loan representative. Two weeks later from the date when I received the cashed and also cashed, Pentagon Federal Credit Union sent me documents WHICH PROVED THAT THE INTEREST RATE CHANGED FROM THE 9.99 % WHICH WAS AGREED UPON TO 17.99 % WHICH I NEVER TO. I agreed to pay {$450.00} on a monthly basis and I was being charged {$620.00} on a monthly basis instead. I called Pentagon Federal Credit Union on multiple occasions to resolve the issue, I was informed twice that they would have resolved the issue with the interest rate, but they never resolved it. I later called multiple times to speak to a supervisor, only one lower level was willing to call me back amongst all the request that I made, but he was n't willing to help me and he also mocked me. I was n't willing to make any payment to the Pentagon Federal Credit Union until this interest rate situation is resolved and the credit union still continues to send negative information under my name to the Credit Bureau Agencies. I am willing to make payments for the CONSOLIDATION LOAN I owe to Pentagon Federal Credit Union until the interest rate issue is resolved. I have heard before that Pentagon Federal Credit Union was fraudulent, but I never thought it was that bad. I just hope that other military member and federal employees wo n't have to face similar issues with Pentagon Federal Credit Union in the future since it seems this organization is use to committing fraudulent acts as such.

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 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A. XXXX XXXX, 2017 B : TO EQUIFAX XXXX XXXX XXXX XXXX XXXX 
1. XXXX XXXX BELIEVES EQUIFAXS INCOMPETENCE AND NEGLIGENCE CAUSED HACKERS TO GET HIS INFORMATION. 
2. CONFIRM YOU LOST CONTROL OVER MY INFORMATION TO HACKERS. WHEN AND WHERE BY WHOM? 
3. YOU COLLECT INFORMATION OVER WHICH I HAVE NO CONTROL BUT ARE NOT REGULATED. YOU HARM WITHOUT ACCOUNTABILITY. 
4. LIST LAW FIRMS WITH CLASS ACTIONS AGAINST EQUIFAX FOR THEIR INCOMPETENT BREACH OF DATA HARMING 5. WHAT MONEY ARE YOU PREPARED TO COMPENSATE ME WITH FOR MY PROBLEMS? 
6. SEND ME FREE CREDIT REPORT AND CREDIT SCORE NOW. 
7. ATTACHED IS ID. 
XXXX XXXX LIVES AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BUT ALSO GETS MAIL AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The debt owner is XXXX XXXX XXXX XXXX. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but XXXX just sends a new collector later. The last one closed their case and said they would inform XXXX after you contacted them Now XXXX is using Resurgent Capital Services in another attempt to collect on a debt they have been informed is no longer owed. 























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Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and XXXX will not take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC
State: LA

Complaint narrative:
The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
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Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: TX

Complaint narrative:
I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and Transunion will not take this off my 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
Consumer complaint received 2017-10-15 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: AES/PHEAA
State: CA

Complaint narrative:
Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.

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 2017-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.

Company response to consumer: Closed with explanation