vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am not the student, but rather the parent who signed for the loan for my daughter. My daughter started college in the  XX/XX/XXXX . At the time, we were told that loans would be paid off in 10 years, since each semester the monthly payment would increase in conjunction with the next semester 's tuition addition. My daughter graduated in  XX/XX/XXXX . That means that her l oans should have been paid off in   XX/XX/XXXX  . However, I am still making monthly payments and have been told that the loan was extended to 20 years. I have no paperwork to this effect, no can Navient provide me with a document in which I agreed to, or acknowledged, this change in loan terms. I am currently  XXXX   years old and  retired. Continuing to repay this loan is hurting my financially since I am on a fixed income. I do not believe this conditions of the loan were properly presented prior to my agreement to take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: MI

Complaint narrative:
I am an American Express  XXXX  platinum cardholder and have been the victim of fraudulent advertising., I received a promotion targeted offer from American Express in  XXXX ,    2016  promising me  XXXX  bonus miles and  XXXX    XXXX   qualifying miles if I spent {$75000.00} on their card in  2016 . I registered for the promotion and spent the qualify g {$75000.00}. I have never received the promised bonus or  XXXX  miles. I have called American Express repeatedly and have received a variety of answers including : yes they see the promotion and wait, the miles are on the way ; they see the promotion but do n't know why I have n't gotten the miles ; references to a computer glitch and no notes in the record regarding my disputes ; promises of supervisory callbacks that never happen ; and today   XXXX   at  Am  Ex advised me no such promotion existed. I have a copy of the promotion and a record of the different employees I spoke with along with their employee ID number. I will attach my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My card was suspended for supposed fraud on the XX/XX/XXXX. I went to buy groceries and thats when I found out. No one had called me nor had I received an email notification. There is no fraud here since I hadnt even used my new card for almost a whole month. This is retaliation because I 've filed a CFPB complaint about a credit hit they have left in my credit report even though its been alnost two years since the account was current and was transferred to another institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I noticed a hard inquiry that lower my credit score and it was Ccb/ppc dated for XXXX XXXX, 2017. So I XXXX it and came up as Pay Pal so I called them at XXXX and spoke to XXXX and was to send me instructions by email to dispute it. So far I do not have the instructions. So I am writing today for your assistance to remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now  XXXX  has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.

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 2017-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been the executor of my mother 's estate since XX/XX/XXXX. My mother had maintained an CD account that I was not aware of, and the sole beneficiary was her sister who was living at the time in XXXX XXXX in a XXXX XXXX. She was unmarried and died without a will or beneficiary. I have been working with the JPMorgan Chase Bank, Deceased Processing Department in XXXX XXXX, Texas since XX/XX/XXXX to close the account. I have researched, secured, and forwarded documents, to include various from XXXX XXXX. After 5 years of interaction with multiple representative at the XXXX XXXX, Texas branch, I was recently told the Deceased Processing department has reorganized moved some or all of its functions out of State to Florida. Based on the responses of the Florida representatives, I have lost continuity on my past actions and efforts. To make the matters worse, the JPMorgan Chase Bank Deceased Processing representatives in Florida is now refusing to reveal or document their intended action going forward. This is contradictory to the Bank 's previous notifications to me. As recently as XX/XX/XXXX, the Deceased Processing department leader in XXXX XXXX office informed me that the account would be closed, at the latest, by the end of XX/XX/XXXX. I was told that this determination was made after her consulting the JPMorgan Chase Bank Deceased Processing Legal Department. I have expended tremendous amount of effort to communicate and provide all of the documentations collected from XXXX XXXX, as well as others, during the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I requested an Income Base d Repayment Plan to begin paying back this loan. I submitted the Income Based Repayment Plan application back to Nelnet along with my 2016 Tax return to confirm my annual salary which is only about {$ XXXX  }  a year. Nelnet keeps sending me  Emails demanding that I pay them {$1900.00} a month that I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Finance reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. Hyundai acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to Hyundai Finance 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they Transunion and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over XXXX. XXXX states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over XXXX and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: NC

Complaint narrative:
Flagship Credit Acceptance responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00.  Flagship states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

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 2017-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2009 I had gone through an ugly divorce and was left unemployed, with no assets and no transportation. I had to survive off my credit card for a couple of months but always struggled to repay my debt. Capital One began calling me incessantly. I explained my situation to them, but they were unsympathetic. They threatened immediate legal action if my full balance was not paid in full within a matter of hours after having spoken to them. Believing that legal action could jeopardize my immigration status in the United States, I borrowed money from as many people I knew in order to pay off the credit card debt. I still owe loved ones for the money I had to borrow from them. This has hurt my credit and my relationships. I was bullied into an immediate payment. I hope the consumer protection agency can help correct this injustice. Thanks for considering. All my best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Sears Citi Mastercard : Fraudulent charges : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$240.00} ( reference Number : XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$8.00} ( ref. # XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$13.00} I 've called Customer Service, transferred to Security. No action were taken about the above charges other than send me a new card. I 've seen a higher minimum payment and I continue to pay for these fraudulent charges I did not incurred.

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 2017-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Complaint is against Midland Credit Management Inc. Original Creditor XXXX XXXX This debt is 10  years old. I had disagreed with amt reported when I was originally contacted by mail by Midland Credit. They had reported this on my credit for years and I was under the impression this dropped off have n't heard from them in years- Home phone number was the only number provided and They stopped calling and mailing anything some time ago. <P/>XX/XX/XXXX XXXX XXXX I get a strange call on my cell, the person was male and very hard to understand he refused to identify the company her was calling from and transferred me. The Next person who gets on the line also very difficult to understand and initially also would tell me who he was calling from- when he did he immediately started yelling at me- most of which I could n't understand- when I figured out it was midland, I point blank told him the debt was over 6 years old I was n't paying it and did n't agree with it. I told them not to call me again they were violating my state law. On XX/XX/XXXX I received an offer from them dated XX/XX/XXXX trying to get me to pay XXXX. I filed it away. I was laid off in XX/XX/XXXX and in XX/XX/XXXX I was made and offer of employment and It required a back ground check- and low and behold is a listing under civil Claim stating a JUDGEMENT supposedly from XX/XX/XXXX. I was never served papers for this, AND I have refinanced my home twice and have changed jobs ( which all require a background and credit check ) where this was not listed. The Credit report also staes an amount double of what Midland is offering me to pay- which I ca n't imagine happening IF they had a Judgement. Yesterday I received a notice from XXXX letting me know I had something reported to my credit that is a negative- it is MIDLAND. I think this is illegal and at this date now bogus and I do n't appreciate being threatened and then false info deliberately being reported on me. Particularly since this can effect my ability to get a job. This would have shown up and I would have been required to pay it had it not gotten too old- I do n't think it is legal to even put this back on based on age, original amount AND the fact there is no JUDGEMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
We never applied for paypal credit or received a card. We got a bill XXXXXXXX XXXX for approximately {$25.00}. We contacted them and asked what the bill was for. They could not say what it was for, but said it was from XX/XX/XXXX. We told them we did not purchase through them. We made several phone calls and we are getting invoices now that are up to {$180.00}. The company is PayPal Credit XXXX. Address is XXXX XXXX XXXX, XXXX, MD XXXX. We feel we are being scammed and until they can tell us what was bought, we will not pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and 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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and 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 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
An old Bank of America card was last pa id  XX/XX/XXXX , yet w hen they charged off the card, forwarded it to  XXXX  and on to  XXXX , they did so adding an improper indication of a payment that never happened,  in  XX/XX/XXXX , wh ich is now also considered an open of account date for  XXXX . This action inappropriately punishes me allowing  XXXX  to claim my debt for a longer period. Under AZ state law I ca n't be sued passed 6 years of a debt 's delinquency date. This date has truthfully passed from   XX/XX/XXXX   but Bank of America colludes with their collection servicers to allow longer pursuits.

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