vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-24 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: DISCOVER BANK
State: HI

Complaint narrative:
I established a credit card account with Discover in XX/2016. I suspect a former friend of mine to be the person responsible for making unauthorized fraudulent payments and then making unauthorized charges with 1 of 2 cards I held for this account. I filed a complaint with Discover regarding the fraud that occured on my account, Discovers investigators asked my to sign a form concerning the fraud and if I was willing to press charges against the suspected person, I told Discover that I did not want to press charges against the suspected person because this person had a XXXX year old daughter, and I did n't want the daughter to be put in foster care if charges were brought against the mom. Discover then told me that if I did n't accept responsibility for the unauthorized payments and charges that the account would continue to report on my credit report with all the fraud charges included. Discover then asked me to agree to a verbal agreement to assume all liability for the fraud since I was not willing to press charges against the suspected person responsilble. Discover investigators misinterpreted what I agreed to in that legal disclousure, I only agreed to be responsible for the balance on the card prior to all the fraudulent payments and charges made to the account. I have tried numerous times to dispute this discover account with the credit bureaus, also including a FTC Identity Theft Affidavit that included a police report and was notarized. The credit bureaus " blocked '' the account initially, but Discover continues to have them " unblock '' the account, so until this day the account continues to wreck my credit score, and has ultimately caused me to be declined for employment oppurtunitys because of a low credit score. I have also not been able to establish contract post paid cellular accounts with XXXX XXXX XXXX and XXXX due to a poor credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: LA

Complaint narrative:
I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all 3 credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>Equifax : XXXX XXXXXX/XX/XXXX XXXX /XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: LA

Complaint narrative:
I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all XXXX credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$740.00} on X/XX/17 by XXXX XXXX for a reservation that was not authorized by me. I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's credit card information. XXXX did not credit my charge card after I disputed it with Chase ( credit card company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my credit card. That is NOT the case. The 3rd party provided their credit card information ( including billing address ) via phone for the reservation and mistakenly I WAS BILLED. I can not reach the 3rd party at this time, but that is not relevant. XXXX XXXX provided documentation to Chase in response to my dispute showing the WRONG BILLING ADDRESS in the transaction, so therefore I did not authorize the charge, since the billing address associated with the charge is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have XXXX loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All XXXX show closed with a {$0.00} balance.

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 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.

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 2017-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I DO NOT have a signed contract with Portfolio Recovery Associates. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: CT

Complaint narrative:
Equafax add inquiries to my credit report which cause long turn financial pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I DO NOT have a signed contract with XXXX XXXX XXXX. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.

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 2017-06-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX add inquiries to my credit report which cause long turn financial pause.

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 2017-06-24 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
1. All of the monthly payments that I make to Navient is applied 100 % to interest and 0 % to principal. So the loan balance amount never goes down but only increased with time. 2. I work as a XXXX XXXX XXXX for XXXX XXXX XXXX. I have been working for the past 8 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called Navient to apply for public service loan forgiveness program several times in the last 7 years and was told that I can not apply for it, because my loan is not qualifying type of loan.
3. Navient refused to answer my questions about above 2 issues. 4. No matter how many payments I make, loan balance is not going down. I have been making payments for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. <P/>We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. <P/>Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the  demanded payments they would pursue foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I need Bank of America too send the right amount from checkings too 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 explanation
Consumer complaint received 2017-06-24 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: MO

Complaint narrative:
Equifax is reporting a late payment on my credit report with ally financial in which this information is incorrect. I disputed this before and ally reported to them that it is no late payment. I 'm guessing Equifax refused to report my account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Matthew Thomas & Associates LLC
State: NE

Complaint narrative:
I saved the call, however received two calls stating I was being prosecuted for a bad check that was n't processed however, I do n't use checks and know it 's a scam but was told they were with XXXX, Mathew, & waters llc law firm. They need to resolve a matter or send it to my local authorities to serve me. <P/>Phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied on  XXXX   XXXX  for the   XXXX   XXXX   credit card which the sponsor is Bank of America. At the time of the application, m y credit score r eturned as  XXXX , my debt to income ratio was under 30 % and my annual income is more than  XXXX . This credit card offers a range  of APR betwe en 12.99 % to 19.99 %. The result of my application was a line of credit of  XXXX  and a high-interest rate of 19 % . First of all   we are talking about a credit card with incentives for travel, therefore, if I would like to travel to  XXXX  and I would like to buy more than  XXXX  tickets it would be almost impossible because my credit limit, also if we consider that this offer does n't have an introductory 0 % off APR and m y credit score is clos er to the category of excellent, I am wondering if I am applying for a mortgage? I have been spoken 2 times with the department of credit card services from BOA and they only say that they are sorry, they can understand my frustration and they sent me a letter telling me how to build  a credit score and how I can keep a good one as  well. Please if someone needs to have a position of 1 % of the wealthy population in order to receive a fair deal from BOA and their credit cards they should let this know to the hard working people.

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 2017-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents. 
Respectfully yours, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On X/XX/2017 & X/XX/2017 despite having broken so many consumer protection and billing laws and multiple violations of Regulation Z, USAA has reported High Bankcard Utilization, multiple times on accounts they themselves already closed without any warning or just cause while refusing to provide any documentation. <P/>Additionally, XXXX of my cards should have had a zero balance, the third only had a high balance due to a disputed billing error USAA violated the allowed timeline and charged me for a year after the initial investigation was found in my favor and credits were permanently issued. <P/>Thus they are improperly reporting USAA SAVINGS BANK - High Bankcard Utilization multiple times on lowering my credit score. Additionally, they reported Credit Line Closed by Credit Grantor on  X/XX/2017 as well on an account which is in dispute and which was closed in violation of many sections of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).

Company response to consumer: Closed with monetary relief