vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/XXXX due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back on XX/XX/XXXX to  advise them I could not pay the {$900.00} on XX/XX/XXXX but I would have all the money by XX/XX/XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed {$1200.00} and paid {$250.00}. They are asking for {$3500.00}. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XX/XX/XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: CO

Complaint narrative:
Navient called me a while back telling me I had to sign up for one of there loans repayment plans set and what they think I should be paying even if I can not afford the payment or not and if I dont pay the amount they set I will be delinquent, I have done my best to ask them to let me pay back monthly at {$22.00}, they basically making it very difficult for me to afford even paying them back at XXXX something a month I can not afford that. So I have tried to make payments of XXXX dollars every month this is the first month so I place my bank info on their website like they asked and the first payment never went through so they sent me a letter via my online account with them, I tried to pay them again on their online portal using my bank info on the day of the due date they just email me saying I missed a payment and I am very frustrated because they are not willing to work with me, I will keep paying what I can and keep documentation of every payment I try to send and they dont accept online - I have worked very hard on fixing my credit and I will not allow myself to be pushed around by Navient not accepting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I noticed an inaccuracy with XXXX XXXX XXXX  My credit card statement showed a late payment XXXX 2017, which is incorrect. Upon my realization of the inaccuracy. I typed up a letter to Zales asking them to fix the inaccuracy or send me account statements with the correct address showing that my letters was going to the correct address and my payments were in fact received late. Zales have not corrected the inaccuracy, nor have they provided me information showing that my statements were received, going to the correct address, or showing my account detail information. Having this late payment for the month of XXXX  2017 is detrimental to my credit health and I would like it removed immediately. Please help me in getting this taken care of. This is not how our veterans should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company 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 non-monetary relief
Consumer complaint received 2018-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX 2018 Bank Of America
I did not authorize any hard inquiry with this company.
This is fraud.

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 2018-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IL

Complaint narrative:
I'm in a trail modifications for XXXX in XXXX and XXXX til XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I called Bank of America and had my account to be closed. A direct deposit was submitted on XX/XX/XXXX for the amount of {$100.00}. On XX/XX/XXXX I received an email stating that the account was closed. On XX/XX/XXXX I contacted Bank of America located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX and spoke to a representative, he stated that he can not help because the account was closed and to contact customer service. I made several attempts to contact customer service, the first time I was placed on hold for a half and the second time an hour

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 2018-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX 2018 XXXX XXXX XXXX
I did not authorize any hard inquiry with this company.
This is fraud.

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 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am an American Express cardholder in good standing since the XX/XX/XXXX. I disputed with XXXX a charge incurred in XX/XX/XXXX on my XXXX XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I felt that I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. Basically, the hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

I provided all of the above information in great detail both in writing and orally to American Express. But XXXX closed out the dispute after simply contacting the hotel, which, of course, told XXXX that the charge was proper. No one from XXXX spoke with me, and XXXX clearly gave no consideration whatsoever to my to the clear and legitimate concerns. It is apparent to me that XXXX does not have a honest or real dispute resolution process that takes into account the concerns of the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
There is a collection agency account on my credit that I have no knowledge of. During the times that this debt was created I was incarcerated. Also the city and state are both located in XXXX Florida where I never had a residence. I have contacted them several times and provided all documents, yet this debt is still on my credit. Its show two times on my credit for the same amount, but 2 different collection agencies. 

XXXX XXXX XXXX {$1000.00} - XX/XX/XXXX Unpaid COMMENTS MEDICAL, XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SE {$1000.00} - XX/XX/XXXX Unpaid COMMENTS COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX is chasing me for a debt I have no idea about. They first made contact in 2015 calling a cell phone they didn't have permission to call. I advised the lady at the time to remove this number from there system as it was against the law for them to call me like this she responded " What do you not pay bills you rack up? We are also not going to stop calling you. '' And called 3 more times later. Fast forward to 3 months ago. I have a different number only 3 months old. They start calling again I advise the lady it is a cell phone. I don't not have any type of business with please place me on your do not call list. She says ok and hangs up. About a month ago I get two calls in one day. Both lady 's tell me because it a vaild number it will not removed from there systems I hang up. Last night I receive another one but, missed it so I call back I tell the lady on the phone again that this is a cell phone number and to please remove my number from your system she asked what my name is I tell her I'm not verifying anything stop calling this number as I have now request 4 times now. That I would be in contact with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my checking account and my one chase c.c. Spent 40 mins. On phone they gave no explanation besides it's within the right to do what they want. Bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: FL

Complaint narrative:
XX/XX/XXXX Letter from XXXX ( see attached ) stating that disputed Bankruptcy was investigated and removed from my XXXX report. On XX/XX/XXXX I sent a letter ( see attached ) to Transunion disputing the SAME Bankruptcy appearing in my Transunion report. I received letter from Transunion dated XX/XX/XXXX ( see attached ) stating that they verified the bankruptcy, On XX/XX/XXXX I mailed a letter ( see attached ) to Transunion requesting how bankruptcy was verified and demanding address and phone number of entities used to verify the bankruptcy. This letter was sent using USPS tracking XXXX and was delivered to Transunion on XX/XX/XXXX as confirmed by USPS tracking service. As per the FCRA paragraph ( 7 ), A  consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion had until XX/XX/XXXX to respond to my request to provide the sources that verified the bankruptcy and failed to do so. I received a letter from TransUnion dated XX/XX/XXXX ( see attached ) with Response that does NOT include the sources they used to verify the bankruptcy. As of XX/XX/XXXX Transunion has failed to provide me with the sources they used to verify the bankruptcy. I demand that Transunion either A ) remove the bankruptcy from my report immediately or B ) provide me with addresses and phone numbers of all sources used to verify the bankruptcy information being disputed so that I may correct the information with the source they are using.

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 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alpha Recovery Corp
State: VA

Complaint narrative:
On or about XXXX XXXX, 2018 I was contacted at work by a rep from Alpha Recovery. Her name is XXXX XXXX. I had asked her not to call me at work. I also found out she had called my parents, my brother and my sister in law. Even though I have blocked her number I can still receive voice mails. When I do not respond is when she calls my place of employment.

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 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT GOLD KEY CREDIT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX   XXXX DOBXX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: Synovus Bank
State: TX

Complaint narrative:
I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Repeated phone calls at home and work, for a debt that I do not owe. Threatening to sue me. I have researched this company, and they have numerous complaints from other people. I believe this company is committing fraud and should be investigated. I am demanding that they cease all attempts to contact me, or else I may have to pursure legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir, I wish to dispute a charge from XXXX XXXX XXXX purchase date XX/XX/XXXX and charged to my account XX/XX/XXXX, for the amount of {$2700.00}. My credit card limit is {$1000.00}. I have not authorized any person to charge any amount on my card over the credit card limit. I found out today that XXXX XXXX, an authorized user rented a car from XXXX for up to 6 weeks and accumulated this charge and after turning the car in was accumulated charges on XX/XX/XXXX for {$2700.00}. I have only authorized my secondary user to charge no more than the {$1000.00} limit on my card as stipulated by Capital One. I asked Capital One representative why they did not contact me on this charge and then requested to dispute this charge which was initially denied. 

I contacted Capital One and asked to dispute this charge which was almost 3 times over my credit card limit. XXXX, I'd number XXXX advised that I could not dispute the charge, that XXXX had a right to charge this to my account. After I advised her to close my account was I able to dispute this charge. Now I have no credit card with Capital One and I finally have a dispute pending and am a senior citizen with a XXXX  XXXX while being XXXX XXXX XXXX XXXX. I had to close my account so no charges over my limit would be charged to my account. I have also requested that a supervisor call me on this matter. Please have someone call me to help me on this matter or email me at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I originally filed a complaint in XX/XX/XXXX with the bank that I was told was responsible for paypalcredit.com credit purchases. In XX/XX/XXXX, that bank finally told me that it was not them and I was referred to XXXX XXXX XXXX XXXX XXXX, MD. My complaint regarded the charges by XXXX XXXX XXXX ( XXXX ) of XXXX, CO who did not deliver services as promised in my job search. All XXXX did was prepare a mediocre resume ( as advised by 2 HR departments and 2 other placement agencies ) and tell me to contact my former coworkers. I filled a complaint with XXXX XXXX XXXX dba paypalcredit.com on XX/XX/XXXX and have yet to have a response from them.

Company response to consumer: Closed with monetary relief