vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a customer of Best Buy for at least 20 years and still have a Best Buy Credit Card in my name only in my possession. Around XX/XX/XXXX I helped my daughter, XXXX, then a XXXX Student at the University XXXX, purchase a XXXX Laptop. In order to help her establish credit, Best Buy initiated a Joint Credit Account. I paid {$250.00} down and the Account was established in her name, with her Statements sent to her Mother 's ( my ex-wife ) address in XXXX, Texas. She paid this off in a timely manner. 
Fast forward to XX/XX/XXXX when I decided to buy myself an XXXX Present ( HP Laptop for around {$450.00} ). Best Buy was regularly sending me emails stating I had Best Buy Rewards of {$30.00} I could use if I purchased a Product from them. I believe the condition was I could not use this Discount unless I put it on credit, so I did so even though I can provide proof that I had approximately {$4500.00} in my Bank Account at that time. 
Herein lies the problem. At the checkout in XXXX XXXX, Texas, I furnished my info, Driver 's License, email, phone number, etc., after stating I had an Individual Account ( I did not have my Best Buy Credit Card on hand at that time ). My daughter was in XXXX, Texas, was not mentioned, consequently, I had no idea that she would be involved in this transaction in any way whatsoever. 
I went about my business and enjoyed the Holidays. Sometime in XX/XX/XXXX, I found out that my ex had gotten mail for my Daughter from Best Buy ( they lived XXXX miles from each other ). My Daughter told her it must be Junk Mail because she had not had any dealings with them. Consequently, I have the email and picture of the Credit Card Bill from my Daughter on XXXX/XXXX/XXXX which states " Sorry, I wished I 'd opened it sooner ". Shortly after I contacted the Credit Card Account, described what happened, got them to write off the Late Charge Penalty and paid the Amount in Full. The Rep read back my explanation to me and agreed to include this in my file. 
Happy Ending? Not quite. This is the only serious negative on my Credit Report and I believe I would have an XXXX Score without it and has been detrimental to my finances. What makes me feel terrible is that my Daughter ( XXXX ) and is buying a House has this on her Credit Report and has cost her also while she had absolutely nothing to do with the transaction. 
Finally, during this time Best Buy was sending me emails describing their products and that I was eligible for additional Rewards! I believe if you will look at my situation you will feel as I do, that if Best Buy had correctly billed me as I had intended this would never had been an issue and affected my Daughter and I so negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Experian XXXX XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c- 2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/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 non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
When I got my loans between XX/XX/XXXX-XX/XX/XXXX I was under the impression that I could defer my loans that were originally under {$60000.00} now they have increased to more than {$100000.00}. I have two loans that I have to worry about the parent plus loan and my own personal on that I got through school. After I receive my XXXX degree I did differ my loans well I went back to school to receive my XXXX that is when the interest inflated my loans. It 's difficult to pay these as interest on the loans goes up as well as cost-of-living, but pay does not go up. I do have a job and I tried to contact Navient but it is always a hassle trying to get them on the phone, I do n't think I 've been able to successfully talk to a person since Navient took over XXXX XXXX, and I make too much money to take advantage of income-based repayment plans so I pay over {$1000.00} in loans. The cost of education is ridiculous and the jobs are n't really here to help support an adult after attending post secondary education establishments. Immediately after I graduated with my XXXX degree I was making & XXXX an hour, it 's difficult to pay a couple hundred dollars in student loans making {$XXXX} an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has recently responded to and deleted XXXX account reported inaccurate on my credit file but there were XXXX files that should had been deleted. XXXX was sent proof that the letter was returned as undeliverable to the company, XXXX, yet they are still reporting that the information was verified. Attached is the letter showing that XXXX amounts in the amount of {$460.00} and {$480.00} were both disputed and the letter was returned as undeliverable so I am not understanding how XXXX account could be verified yet the other could n't yet the company was unreached when I contacted them directly as directed by Transunion.

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following account and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department in regards to the above accounts. The police report case number is : 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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank division handling XXXX accounts has repeatedly delayed processing payments and then charged late fees. I believe this is a practice several costumers are facing and it is fraudulent. 
In XX/XX/2014 payments were scheduled through our online banking system to be made prior to the scheduled due date to Synchrongy. We have used our bank 's online payment system for years. We have never had a problem with scheduling our payments to be sent from our bank to another bank, even with our bank sending the payment via US Mail. Nevertheless, Synchrony was processing the payments in an extended time frame in comparison to other creditors. Late fees began. After calling Synchrony and having late fees refunded, upon their recommendation, I adjusted the payment date to an earlier date through my online banking to ensure timely processing. After XXXX months, the delayed processing by Synchrony and late fees have begun again. If I had not been watching for this behavior, I might not have known to do so. Certainly, there are others who are unaware of Synchrony 's fraudulent tactics to make money in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Opened a {$12000.00} Care Credit account with GE Capital Retail Bank on XX/XX/2015 for XXXX at the XXXX XXXX XXXX XXXX, which I though was interest free. I had auto-payment withdrawals from my checking account for 2-years. Last couple months I noticed my bank statements went way up, so I contacted Synchrony Bank XX/XX/2015, finally was transferred to a Manager, XXXX, ID # XXXX, and was told that my 24-month promotional period expired XX/XX/2015, and I was charged accured interest of 26.99 % of {$6200.00} on top of my principal balance of {$5400.00}, and my account is now {$11000.00} at interest rate of 26.99 %. After a long heated discussion, I offered to pay the principal immediately, but they offered no help, no options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am contacting your agency in hopes you can help me dispute my {$10000.00} charge on my Capital One for this fraudulent company called XXXX. I was contacted by XXXX in XXXX about creating an XXXX website. He assured me that XXXX was the right company to build this site for me. I paid him {$5000.00} for this XXXX website and training on XX/XX/XXXX, and then another {$5000.00} on XX/XX/XXXX. Not once did he tell me that it would be my responsibility to add the pictures and find dropshippers. I find the fact that this information was not disclosed as flat out deceitful and possibly illegal. Four months later {$10000.00} in the hole I have nothing more than an incomplete website that while it may be nice to look at it, it is not the functional XXXX site as I was sold. They are not legitimate and they are incapable of fulfilling their promises. They have illegally obtained my business and I believe I am entitled to a refund since they did not provide the services as described. I tried to resolve this matter directly with them and they ignored all my requests. I sent them a certified letter, I tried to call them and they do not return any of my calls. What kind of company sells you a service and disappear after, leaving you without any answer or support?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I telephoned Capital One credit card customer service requesting a dispute to get my money back because the merchant XXXX had failed to provide wireless service to wife and I ... after giving them XXXX attempts to make it work : my dispute case number is XXXX. I was disappointed that Capital One 's process was not as efficient or believing me like XXXX staff have been in the past. Also, I have been this bank 's customer since XXXX and this was my first dispute request. 
I received a letter XXXX XXXX XXXX requesting details from me and copies of receipt etc. -- some copies they sent me such as the bill were unreadable except for my signature : On XXXX XXXX XXXX I answered those questions and faxed letter, receipt, etc to a XXXX Support Center in XXXX XXXX XXXX UT. On XXXX I received a letter dated XXXX from this support center telling me they wanted more information. I telephoned immediately and was transferred to a woman in the XXXX and she immediately told me that I needed to send them answers to some more questions. I asked her if she received my fax and she said yes. I asked her to repeat her first question and then I said plz look at the bottom of the first page on my fax and read it to me : it was exactly the answer to her question! She did not admit that, but continued demanding that I answer more questions. I told her this is a very simple case : a wireless provider store has been given THREE ( 3 ) chances to provide wireless service on XXXX brand new smartphones and they have not delivered their service. I want my money back -- and they refused. Before the dispute was settled Capital One put the {$61.00} back on my monthly statement and forced me to pay XXXX who had never for one day provided wireless service to us. How ridiculous! Also, women in the XXXX have continued to call me demanding more information. I feel that Capital One is supporting the unscrupulous merchant XXXX ( how can they stay in business with these practices? ) and for unbelievable reasons labelling me as the BAD guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Critical Resolution Mediation LLC
State: GA

Complaint narrative:
I received a call from Critical Resolution Mediation concerning a payday loan that was supposedly taken out by me in XX/XX/XXXX.I did not initiate this loan.Furthermore I was threatened with imprisonment by one of the female employees of this organization saying she was sending the police to my my house because i willfully defrauded XXXX. From what I was told a loan was given in increments that eventually totaled approximately {$700.00}. Which was deposited in a XXXX acct I had at the time.But now with interest and penalties amounts to $ XXXX.I noticed some fraudulent activity concerning my credit report in XX/XX/XXXX and promptly filed a police report ( XXXX ). I was told that this money was directly deposited into my XXXX acct, which i 've been unable to verify.I made a large deposit into my XXXX acct on or approximately XX/XX/XXXX and I was an employee of XXXX at that time. there was no instance of a deposit or drafts from XXXX.I 've yet to see any collections associated with this loan.If this loan was given it was done so without my knowledge or consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have XXXX judgments against me which were both paid in XX/XX/2016. XXXX and XXXX. I am unable to get this information, along with the XXXX account showing pd, off of my credit report, and it is still affecting my score.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted Experian today requesting a refund for an apparent membership that I did not realize I was signing up for. I went to the website on XX/XX/XXXX to purchase a credit report that I thought was free but I saw that I had to pay XXXX so I thought it was just a processing fee and then {$21.00} came out of my account 10 days later, which I just saw today and I did not authorize or think I was authorizing. What I saw when I went to the website on my phone on XX/XX/XXXX is in the attached image. 
The supervisors I spoke with today said they could not issue me a refund because it clearly states on the website that I was supposed to cancel within one week but here 's the thing, I NEVER saw the important information section that is listed on the website because you have to scroll down to see it from mobile. It 's on a separate screen. How deceiving! Seriously! Deceptive mArketing at its best, advertising a purchase for {$1.00} and then misleading customers into a monthly subscription. 
All I saw was that front page which prompts you to immediately click the button, so I clicked on it thinking I was purchasing a credit report for one dollar and that was it. I did not sign up for anything I did not authorize any reoccurring payment on my end. Today I called and did cancel after finding out that they had signed me up for this. I feel very deceived and I would like my {$21.00} back.

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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : XXXX XXXX via XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.

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