vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have three accounts with Bak of America. We are working on getting them all closed. One of the three accounts has a negative balance that is only fees. The monthly fee creates an overdraft fee etc. I would like the fees to be waived and my checking account closed.

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 2019-07-24 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: ME

Complaint narrative:
According to the information on my profile I have paid by over $ XXXX to my loan that had an original balance on it of $ XXXX. I did defer it a couple times right after college but it has been paid consistently without one late payment for 7 years. From XX/XX/XXXXthere are capitalized interest additions totaling something like {$8900.00} because of deferments I apparently put into motion, but in addition to those capitalized interest charges, were late fees. I have been paying on this load since XX/XX/XXXX. I understand there may be significant interest, but this is crazy. I am going backwards and terrified. I spoke with a woman XX/XX/XXXX for over an hour who was rude and condescending. I spoke with another woman XX/XX/XXXXwho was nicer but had no interest in helping. 
This all came to light when I noticed my payments were not being deducted from my bank account. I checked on the Navient website and found my account was put into deferment. I did not request a deferment nor did I authorize one. So no months later ( because I did not realize at first ) I was given the option of paying all of the monthly payments at once and late fees or the capitalized interest in the amount of {$970.00} for a deferment I never requested or authorized. 
I have asked for assistance in repayment options to help find ways to see the reduction. I have asked for a breakdown to better understand how this can be a truthful business operation and not a scam. How am I going to help my son with his schooling? 
I would like loan forgiveness for the remaining balance of this loan. A $ XXXX loan over 20 years at 6.5 % is $ XXXX/month. I have already paid this off and then some. 
Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The company XXXX XXXX, ( Barclay ). They gave me limit of XXXX   on XX/XX/XXXX then decreased amount on XX/XX/XXXX to XXXX. I already had XXXX on the card. Then they hit my credit report and hit me with fees.

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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IA

Complaint narrative:
There is an inaccurate collection from mrsbpollc, originally XXXX XXXX, for {$710.00} showing up on my XXXX XXXX. 
When I pulled my credit file, the debt isnt showing on it, giving me no account number to reference for a dispute with XXXX. 
Ive never had an account through XXXX XXXX and it needs to be removed immediately.

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 2019-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Motor Finance had an advertised finance special of {$1500.00} cash back and 2.9 % interest for 60 months with no down payment required. On XX/XX/XXXX, I purchased a 2020 XXXX XXXX from XXXX XXXX in XXXX, TX. The credit report showed that my score was at least an XXXX but I didn't receive the advertised interest rate, the rate I received was 3.9 %. When I questioned the general manager ( XXXX XXXX ) which is who processed my application his response was they just put the information in the computer and that's what it showed on Kia Motor Finance. I called back on XX/XX/XXXX to see if he could provide any explanation as to why I didn't qualify for the advertised rate was told he would reach out to Kia Motor Finance but I haven't heard anything back as of XX/XX/XXXX. On XX/XX/XXXX I contacted Kia Motor Finance to see if they could provide an explanation for me not getting the advertised rate and the response received is that it is up to the dealer ( manually inputted ) and any correction would have to come from the dealer through an updated contract. On XX/XX/XXXX I called the dealer back to follow up on my request for an explanation for the rate I received but haven't heard anything back. Know one seems to know and each side is saying it was out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-07-24 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Through annualcreditreport, I purchased the Equifax XXXX credit score for {$7.00},  however, the website instructed me to call Equifax customer service. After calling Equifax and speaking with 3 different people, they told me 1 ) the credit score was emailed to me but I never received it and 2 ) a Supervisor finally told me there is no such product. My credit card was charged 3  times by Equifax and yet they are saying there is no such thing. I am still unable to access my credit score with them. Checking my credit score using XXXX, Equifax shows they dropped my credit score by 78 points with 5 good changes of on-time payments that decreased my balances and one increase of {$32.00}  on a store credit card. This drastic drop on my credit score for a {$32.00} increase on one card seems horribly wrong! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On a number of separate instances over the last few months, American Express customer service employees lied to me about the benefits of a credit card they wanted me to pay more for and upgrade to. They told me I would get complementary airfare credit this year, but instead, the airline ( Delta ) - after I signed up for the card and went to use the benefit - said American Express had lied and that was not true, and that I could not have a credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Equitable Acceptance Corp
State: MI

Complaint narrative:
I was initially contacted by XXXX XXXX in Fall 2016. Equitable Acceptance has partnership with XXXX XXXX/XXXX XXXX. These corporations are scam companies " dealers '' for Equitable Acceptance. XXXX XXXX XXXX calls individuals and present a con/scam that they can enroll students in a special student loan repayment program. These corporations inform students that they qualify for loan forgiveness program and much lower monthly payments to their lenders ; which would ensure less payment out of student 's pocket and more loan being paid off/forgiven by the government. These corporations inform that the offer is only provided through their enrollment and the program enrollment will be ending soon. These corporations charge a fee for this service, in my case it was {$1800.00} in monthly direct debit amount of {$30.00} from my bank account. But these corporations convince students this is a great deal compared to how much they will save you from paying back to loan lender. Once an individual agrees to enroll in their scam program, they are connected to Equitable Acceptance to set up payment plan for their {$1800.00} document processing fee etc. Unfortunately, I fell for their scam. The documents are actually available FREE on department of education website, that students can complete themselves for no charge. These corporations were submitting false documents on my behalf indicating that my annual income is lower than it actually is. I never qualified for any of the programs that would result in student loans being forgiven. It only ended up costing me {$1800.00} and additional length on my student loan re-pay since they enrolled me in extremely low payback program. I want these evil scammers taking advantage of vulnerable students to stand trial for their crimes and be incarcerated. This scam needs to stop! I don't expect to see my {$1800.00} again as they are a fraudulent ponzi-scheme company. But I don't want them to continue in business getting rich off poor working students and ripping of Department of Education at same time if they continue enrolling individuals in re-payment programs that they don't qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
OneMain Financial is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for OneMain Financial to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event OneMain Financial has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that OneMain Financial remove this inquiry off my credit files. Otherwise, any verification from OneMain Financial will be deemed hearsay and will be admitting that OneMain Financial is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, my Chase dept card was stolen. The same day, the thieves made 50+ individual transactions mainly at XXXX for an average of {$100.00} per transaction using the card and the PIN for a total of {$5500.00}. I filed a police report the same day and started a dispute with Chase. Chase responded in a letter dated XX/XX/XXXX that the claim was denied and all transaction are authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24 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: GA

Complaint narrative:
Inquiries that I did not know about nor authorize. Never sought credit through lender and in case of XXXX XXXX XXXX XXXX was told they worked from 1st credit report they pulled for 30 days and there would not be a second but second pull was done. Other creditors or services I have no knowledge of and did not authorize my credit report to be pulled nor accessed. XXXX inquiry dated XX/XX/XXXX. XXXX XXXX auto finance dated XX/XX/XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My attorney had assured me that the collection issue was handled, yet it continues to show up on my credit report. Each credit report thus far shows a different amount. I call to get an answer and they refuse to speak with me and said they would only speak with my lawyer. I cant afford to pay my lawyer anymore money when he told me it was handled. Im asking this permanently be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: FACTUAL DATA CORP.
State: NY

Complaint narrative:
Factual Data is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Factual Data to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event Factual Data has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Factual Data remove this inquiry off my credit files. Otherwise, any verification from Factual Data will be deemed hearsay and will be admitting that Factual Data is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-07-24 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019 I received a notification alert about a credit inquiry I immediately looked into it and I found a hard inquiry on my report that I did not authorize. I immediately called the provider ( care credit ) and they confirmed a account being open but they werent able to close it, i had to wait 48 hours. 
On Monday XX/XX/2019 I called and closed the 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 2019-07-24 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: IL

Complaint narrative:
I have contacted Equifax once again and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of Education/XXXX  and XXXX XXXX XXXX. I submitted a previous complaint with you Complaint number XXXX & the accounts are still being report even after I have sent a police report, put a 7 year fraud alert on my credit files & submitted an ID Theft Report. I have been calling & sending everything they have requested but still no help with only showing the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: NC

Complaint narrative:
When I first started paying my loan in XX/XX/XXXX, there was some kind of mistake made by in how my payments are applied to my loans. I have 6 separate loans and my initial payment, they said, was XXXX dollars. I have three Direct Plus loans and three Direct Unsubsidized Stafford loans. I called back in XX/XX/XXXX and they said this was a mistake and I should only be paying XXXX every month, which I did. So for the first 6 months of making payments, even though I was paying the full amount, I kept getting notices that I was not paying what I owe, and thus these payments were not counted. On XX/XX/XXXX I ended up paying more than I owe ( XXXX ) so the computer would stop saying that I was past due because the people at FedLoanServicing could not seem to fix it themselves. This did fix the problem, however, when I submitted my Employee certification form in XX/XX/XXXX it was showing that I only had made 5 or 6 payments when I had been paying for almost a full year at that point so should have had around 10. I submitted a request to have my payments re-evaluated in XX/XX/XXXX and they told me the review should be done in 6 months. I called back in XXXX of XXXX and was told it would take another 6 months. I called back in XX/XX/XXXX, one month ago, and they told me that they don't know when it will be done. So now I have 2 years of full, on-time payments and 3 of my loans only show I've made 19 payments, and the other 3 of my loans show I've only made 9 payments. I called again today and they still can not tell me when the review will be done and they will not let me talk to anyone in the review department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Let me begin by stating that I have been a member of Capital One since XXXX and am a satisfied member, however Capital One is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Capital One to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

I only have one credit card with Capital One that was issued in XXXX which I still currently have and am happy with. 

The unauthorized inquiry was performed in XXXX of XXXX. 

In the event Capital One has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Capital One remove this inquiry off my credit files. Otherwise, any verification from Capital One will be deemed hearsay and will be admitting that Capital One is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.

Company response to consumer: Closed with non-monetary relief