vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NV

Complaint narrative:
last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Interest fees keep changing. XXXX {$7300.00} and XXXX {$6500.00} and XXXX  {$7000.00} Now they are adding another yr. to two and 7 mo to another. Thought it was 10 yr. fixed. 
They make it impossible to pay off. Certain I am being ripped off.Read about similar stories online. and lawsuits pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a bankruptcy on my credit report the belongs to a relative NOT MINE

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 2018-01-31 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This inquiry was added to my XXXX  credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from XXXX XXXX Bank ... I never had an account with XXXX XXXX Bank ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CARD Corporation
State: GA

Complaint narrative:
I have my employment wages and income tax deposited onto the card. On XX/XX/18 I paid some bills and I also bought a few clothes for my children. XXXX  froze my card and said I needed to contact account services. I called the only number they have. The automated service picks up, talks about online services and then asks to verify identity. It starts off by asking for the last 4 digits of my social security number, when I opened the card I never gave them my social security number, not once. So I put it in anyways. Then it asks for my zip code, I put that it and then tells me its incorrect and asks me to do the process all over again, hitting pound or 0 doesnt help either. I have sent them a full video of my attempted call to their XXXX. After 24 hours of this I have yet to get thru. I emailed them 3 times, I sent 2 faxes to their dispute department just hoping for help, I sent them messages thru XXXX. I got a reply on how to handle the automated service once my identity has been verified, problem is just that. Wont go any further than that. I have over {$1100.00} in the account. I am a single mother and all my money is tied up with this account. I can not feed my children or drive my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
On XX/XX/XXXX two separate unauthorized, fraudulent transactions were charged to my " XXXX XXXX '' Visa DEBIT Card. The transactions were used at XXXX XXXX. I contacted the Card Issuer immediately upon learning about the transaction and had the card closed and re-issue a new card. First ( 1st ) transaction was for {$190.00} -XXXX XXXX and the 2nd transactions was for {$240.00} -XXXX XXXX . I  reached out immediately to the merchant as well ( XXXX XXXX ) to let them know my card was fraudulently used and contact authorities the card is being fraudulently used. Upon checking, XXXX XXXX Representatives could not tell me who used the card nor could they verify that the card was even used in their system. At first contact with XXXX XXXX, I was told their dispute process is " 40-60 days! '' Its been both, a very frustrating process and experience dealing with this company, XXXX XXXX aka XXXX XXXX XXXX. They kept on giving me the runaround, for several weeks from XX/XX/XXXX through XX/XX/XXXX. I had to encounter rude, lackadaisical representatives at XXXX XXXX aka XXXX XXXX XXXX and long delays getting any information regarding the 2 fraudulent transactions on my debit card. Then they waited to send me a letter mysteriously dated XX/XX/XXXX. But it somehow verified and postmarked by " XXXX XXXX '' on XX/XX/XXXX, that my claim has been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I was contacted via telephone from a number showing as XXXX which I was able to determine belongs to Receivables Management Partners. The female caller did ask for me by name but said she needed to verify me by my phone number and/or address. I refused to offer this information to a number and/or party that I do not know. The representative then threatened to call my employer and hung up the phone. At no time did this company say who they were collecting a debt for but instead asked for information that could be used for ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: VA

Complaint narrative:
I was paying {$520.00} a month on my student loans in 2017. I lost one of my part time jobs which reduced my income by {$10000.00}. My payment increased to {$740.00} dollars which I can not afford. I supplied them my pay stubs that showed I have only one job now with the XXXX XXXX XXXX. They used my gross amount to calculate my payments which increased them by {$200.00} a month which is not right. Now I am in default because if I paid anything less then what they demand I would still be in default. 

My payments where quoted by their rep as {$430.00} which I can make and was told it would be changed. I started this process in XX/XX/2017 and still get XXXX from them. 

I spoke with XXXX # XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax has not been allowing me to get a report directly from Equifax any time I go online. I have called their customer service, I have even send in all the verification information such as DL, paystub, SS #, utility bill in my name and address etc. 

Equifax has the verification process set up to only provide questions that are totally unrelated to the person trying to get access. I have been dealing with this issue for over a year. 

Additionally, they show through 3rd party credit review sources that my credit score is over XXXX yet they told a creditor requesting a line a credit that my score was XXXX, while another creditor they gave a score of XXXX. 

I have to assume that this fraud is purposeful by Equifax. There is no excuse for never being able to get the free annual report through the website. I have upload verification as well as the letter and proof of identity I sent in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: FL

Complaint narrative:
I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from Wells Fargo Bank ... I never had an account with Wells Fargo Bank ...

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 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
The original holder of the debt sent me a bill for {$470.00} in XX/XX/XXXX. I called them and asked if they offered a discount for uninsured patients. I talked with someone named XXXX. She told me that they offered a 25 % discount to uninsured patients, and she said she would send me a new bill in the mail. A few days later, I received a bill say that the bill is {$350.00} for self-pay patients. That letter is dated XX/XX/XXXX. 

Within a month, this bill was sent to collection to the Credit Bureau of Lancaster County , Inc . They said I owed {$470.00}. I faxed them a copy of the bill in which I was told I owed {$350.00}. They responded with a letter dated XX/XX/XXXX saying that the discount did not apply if the bill was sent to collection. However, that is not what XXXX said, and that is not what it said in the bill that was mailed to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Uber Technologies Inc.
State: MD

Complaint narrative:
I have a credit inquiry from XXXX XXXX on my XXXX credit report that I did not authorize. I have tried to call and get the issue resolved, but I keep getting a voicemail and no one is calling me back. The email I could find is invalid. So through calling and email I can not reach anyone. I did not give permission for this company to obtain my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: FL

Complaint narrative:
I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2018-01-31 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: FL

Complaint narrative:
I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: OpenRoad Lending
State: MD

Complaint narrative:
I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I have been using LoanCare - www.myloancare.com. I have been trying to access my mortage account for the past 5 days. I need to gain acces to my loan info for filing my taxes. I have called many times due to problems with the web site i am unable to get my password reset. I am worried that this place has gone under or there no IT department at all.

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