vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kashable LLC
State: AZ

Complaint narrative:
On XX/XX/2019, I applied and was approved for a loan with this lender. I had to provide my ID, social security number, proof of employment, bank statements showing Automatic Clearing House ( ACH ) deposits from my employer, and set up an allotment and show proof. Kashable is a lender designed to help it's employees and federal employees with loans. 

However, I was told on XX/XX/XXXX that my loan would not be finalized because I have a business account and my loan would get rejected by my financial institute. I told the woman that is not true as my agency deposits ACH payments into my account and I never had any issues. 

I was then placed on hold and told that they will reach out to my financial institute as a courtesy to me but needed a manager on the phone. The manger XXXX was busy. I was told that I would receive a phone call later that day. I did not receive a phone. 

On XX/XX/2019, I reached out to Kashable under the impression we would be reaching out to my financial Institute to better address this concern Kashable claimed to exist. 

During the phone call XXXX told me something extremely different than the information I had heard the day prior. He told me that my business account was not a checking account which it actually is. He rudely told me we denied your application because you don't have a checking account. 

I then proceeded to ask could I speak to a manager. He hesitated and begin to deflect my questions. Then he finally told me that he was a manager and my loan had already been decided on. I asked to speak someone higher than his position. He told me that everyone is busy and he is the only one I could speak with because he is in charge. I asked him again who else could I speak with. He finally tells me XXXX I believe. I asked could I have his direct line he said they don't have direct lines. 

I asked could I receive a call back from him he explained that he will relay the message. I have not heard from this person and it has been about 3 hours. I was told I should hear something back within 2 hours. 

XXXX became very unprofessional and sound as if some of the information he was giving was not factual and made up as the conversation carried on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER FIN SVCS LLC acount # XXXX XX/XX/2016 {$1300.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have two student loans serviced by Navient. In XXXX of 2018, they applied a forbearance to both loans, when I was unemployed and unable to pay the monthly balance, which I have learned may not have been in my best interest. 

The loans are back in repayment status, and I find myself in the same situation. In XXXX, I paid an amount less than what was due. I answered their request to resolve the matter, and their solution was to enroll in a six-month interest payment program, which required an additional payment and autopay enrollment with a debit or credit card. They made a calculation of what that monthly amount should be. I don't know what they based that calculation on. 

Aside from food stamps, I currently have no income. Enrolling in credit card auto payment would result in more debt with higher interest rates. 

They had no other options and said my case would be turned over to a debt collector if I did not accept that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( XXXX, Equifax and XXXX  ) about XXXX XXXX  XXXX  ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX  on XX/XX/2019 was not able to verify and remove the account from my report but XXXX  and Equifax claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX  sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
I was recently notified By Yamaha Motor Finance Corporation U.S.A that my account was closed when I called in to make a payment. On my statement it was stated that I had not made a payment in 120-180 days. 

I tried to resolve the issue with them personally on XX/XX/2019 but they said that they had already charged off my account and that there was nothing that could be done. I felt was unfair and shady because it was such a small amount to be charge off. The credit card that I had was a {$15000.00} limit, and there was probably {$2300.00} left to pay off under 15 % of the usage. I feel like they are approving consumers for really high limits yet are very quick to close out accounts for their own purposes. 

I feel like this should be investigated, because even after I was told my account was charged off I STILL tried to make {$300.00} payment on the account. I got a confirmation email saying that this payment would be taken out on XX/XX/2019. The money was never taken out of my account once again. I feel like this is something that has continuously happened to me and that why this has ended up as a charge off account. 

I call in to make my payments and it is not being taken out of my account during the time set up. I feel like this is final proof that when I make payments they are not doing a good job at following up. It is the XXXX and there has been no pending charge from them. I gave them the correct banking information when I last spoke. I just called in again and they said their " system '' was down. I do not want to be penalized when I actually have been making payments but they are not following through with taking it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
2009 XXXX XXXX XXXX  {$2200.00} I never lived here. This address has never been used by me. No records will show that I ever resided here. I believe my father lived at this address before he went to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/19 I noticed a credit card charge on my card in the amount of XXXX referencing a merchant name of XXXX*. I immediately called my credit card company chase and reported the fraud. They took the charge off. 

Two month later on XX/XX/19 I noticed the charge back on my card. I contacted my credit card company and they stated after doing research the charge was valid. I asked for documentation which was sent to me, everything listed clearly indicated this was a scam as the phone number, email address and 3rd party name were all fabricated. I filed a police report with my local police department. 

The money was picked up in XXXX  XXXX Missouri and picked up by a person with a DE state ID XXXX XXXX refuses to give me the exact location where as I would use this to contact them and ask for surveillance footage and or what there process is when picking up money. is a copy of the id kept on file? 

chase is now investigating this for the third time and I am still waiting on a resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I called the XXXX hospital several times over the last few weeks to give them the XXXX claim. They never answered my calls or called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted Experian 2 months ago concerning accounts on my credit report that I didnt open. I filed an FTC report as well as a police report. They completed the dispute and blocked all the accounts in question due to Identity theft. Recently as of today, Experian put these accounts back on my credit report. I contacted them to report what was done and they gave me no help at all. All these accounts in question were removed due to Identity theft. Now these accounts have been placed back on my report. This is not only unusual but I think someone that works at Experian has a personal vendetta against me for some reason. I have recached out to Experian 5 times and no resolution. Please help 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 explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX : We were trying to buy a kitten for my children for XXXX. We found what appeared to be a legitimate, professional looking website, with names and contact information, testimonials, everything seemed above board. I submitted an inquiry via the website and they responded by text. They then emailed me photos and we agreed on {$600.00} for the cat, and {$200.00} for the delivery, as we live in different states. They requested some delivery information for the kitten- name, address, closest airport. They asked that I transfer the payment through XXXX, a service my bank, Regions, offers but I had never used before. It appears in my banking app and on my desktop online banking, right in the payments section so I simply assumed it was a credible payment method. As I had a daily limit of {$500.00}, I had to make 2 separate transactions.I sent {$500.00} on XX/XX/XXXX and the other {$300.00} went through Monday, XX/XX/XXXX. Once they received the money from the second transaction, they said the shipping company would contact me. Later that day, I received a text from the shipping company saying they were trying to arrange delivery. I said, " Great, when can I expect? '' They responded with, " There's a little problem we're facing which we need to resolve ASAP so we can proceed with delivery. We sent an email on what we're facing. '' So I checked my email to find an email saying the crate provided by the seller is very small and won't sustain the kitten throughout the flight because of the harsh weather conditions, and I need to rent a special, auto-regulated crate for {$1400.00}, which is fully refundable upon delivery of my kitten. They would send me the policy stating that it's fully refundable once I make payment. I was immediately suspicious and questioned why it was my responsibility, and not the sellers, to provide an acceptable crate. From there, I immediately knew I had been scammed, and told them so, and they told me they would be sending my money back. Yeah right. I immediately contacted my bank to dispute the transactions and alert them to the fraud. After being transferred to a few different people/departments, I was told I have no recourse, as XXXX is not protected and there is nothing I, nor Regions, could do about it. So now I don't only have XXXX heartbroken children who won't be receiving their kitten for XXXX, I am also out {$800.00}. I have been a loyal Regions customer for 5 years and do a lot of business with them. To just hear, " Sorry, there's nothing we can do, '' is not acceptable. They should not endorse a service with such lax policies and zero protection for their customers.

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 2019-12-17 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My mother 's Sun Trust master card was used for two fraudulent transactions. One on XX/XX/XXXX for {$240.00} and one on XX/XX/XXXX for {$240.00}. Both seem to be the same. My mother has not used the card for either transaction. The fraud department says they've investigated and they keep insisting the charges are valid. I suggested they investigate my mother 's history with that card and clearly they haven't because if they had it would be clear that she did not charge either one of these. Someone at a restaurant perhaps used it before they returned it to her. Both charges appear to have been placed at XXXX XXXX. My mother is XXXX years old she doesn't travel and if it's a mall she hasn't been to a mall in 10 years.

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 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC BANK acounts # XXXX XX/XX/2011 Balances {$2000.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I received an email from Experian cancelling my free credit monitoring as a result of hacking in XX/XX/XXXX. They also informed me that my credit freeze was lifted. I have tried to log into my account with no success to put the freeze back on. Am unable to access my account.

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 2019-12-17 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 — Card was charged for something you did not purchase with the card
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T XXXX XXXX XXXX XXXX, FL XXXX XXXX FAX XXXX BB & T CLAIM XXXX XXXX BB & T sent me a credit card I never received. Someone else received and used the card without my authorization. I never received the card. I do not know who received the card. I never used the card. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged again for XXXX. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX on XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for 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 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There are charge off of debt on my credit acct. For 2 credit cards from Capital One. Ive never had any type of credit cards with this company. It is showing derogatory remarks on my credit and I want those removed, along with all the hard inquiries that were done with out my permission.CAPITAL ONE  $ XXXX -Acct opened XX/XX/XXXXCAPITAL ONE $ XXXX  -Acct opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
Prestige Financial Services Administration will not accommodate me on my Lifetime XXXX and ADA Disability Civil Rights Act under Department of Justice. 
I have respectfully requested for lower payments as l am going through a permanent Financial Hardship and l also have a Federal and State tax debt and l have to pay. 
I will not be able to make any more payments of {$440.00} or {$480.00} on my auto loan after XXXX XXXX. 
I can only a afford a payment of {$270.00} to {$280.00} @ month on each month on the XXXX. 

I am on a fixed XXXX Retirement Pension income and have no other financial means. 
Also, Prestige Financial Services Administration email me a document disclosures for me to sign of l wanted a change in due date on auto monthly payments. 
In which l told them l don't have to sign because is not mandatory in the Consumer laws of Federal and State. 
Prestige, should not force our XXXX XXXX of XXXX XXXX XXXX and XXXX Veterans to sign a document, so they can have their way legally and put a restriction on a auto loan. 
I am continuing to have major issues with Prestige since XX/XX/XXXX till Present, when l was going through a my Bankruptcy Chapter XXXX of XX/XX/XXXX and purchase the XXXX XXXX XXXX  XXXX in Texas with mechanical issues and overpriced purchase on XX/XX/XXXX. 
Bankruptcy Chapter XXXX was discharged by Federal Judge in XXXX, Texas on XX/XX/XXXX. 
It appears that soon l might have to return vehicle back to XXXX as l can not afford monthly payments of {$440.00} and {$480.00} after XXXX XXXX. 

I like to keep the car as l needed it for my Lifetime XXXX Medical treatments and appointments with my XXXX  Doctor Dr XXXX XXXX XXXX in XXXX, California. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-

XXXX XXXX XXXXXXXX-	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

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 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have asked/requested repeatedly substantiation of this debt with originally signed documents as required by law. I have also spoken with this company over the phone repeatedly and have even recorded all of the conversations. At which time they agreed to remove this unsubstantiated debt from my credit reports. The only letter that I continue to receive states the following, " The legal time limit for suing you to collect this debt has expired ''. 
" This communication is from a debt collector but is not an attempt to collect a debt ''. 

If this is indeed the case, then why would they have access to my credit report? I have spoken with a lawyer who assures me that this is illegal. 

They have threatened me, members of my family. I want this to end and I want this debt removed from my credit reports. This has been going on for almost 3 years. 

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : ( i ) the use or threat of violence ; ( ii ) the use of obscene or profane language ; and ( iii ) repeated phone calls made with the intent to annoy, abuse, or harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

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 2019-12-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

Company response to consumer: Closed with explanation