vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
onXX/XX/XXXX i deposited a business check into personal account by mistake with the moble app and huntington locked my account, they wont let me have access to any funds in the account before the check was deposited. i done a chat with a bank rep on the web site and asked if i bring in county business license, state tax id, city business license will that unblock my account and was told yes. i printed out the chat and took it with me to huntington bank location ( XXXX XXXX XXXX, XXXX, KY XXXX ) and talked to XXXX i was told the paperwork i brought in was no good as the county and city license was not this years, wouldnt take state tax id i been using since XXXX. i went back next day with current county license and a receipt of city license stamped with citys name and stated business use license until original is mailed to me, again refused tax id and city license. 

the letter huntington sent me said only a 7 day hold on the check and its past that now i dont see what else they would want to prove its my business check i told them i have tax id , county license, cbi number, ein

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Received a call from XXXX ext XXXX XXXX XXXX  I received calls from several family members regarding this phone number who is calling to collect a debt. Information on these family members was never provided to this specific company when initially was approved for credit, as this is an in-store credit card company. 

Somehow they have obtained phone numbers to 2 of my family members disclosing my financial issues. These family members do not reside with me nor in close proximity and this is an invasion of my privacy as I have not discussed my financial struggles with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: NY

Complaint narrative:
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have recived a bill from capital one saying I owe XXXX $ From a credit card I never own. Now a bill collector send me a letter saying that they sold the acct to them. I talked to a representative one time and told her it wasent me. We end up arguing and the representative told me If I cant keep my spending under control and if im not going to pay why get a credit card? Now they calling family members ebery other day asking for the payment and harrasing my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am currently on an Income Based repayment plan with Edfinancial. Every year, they reject my application and i am forced to place my loans on deferment.

This year, I tried filling out the online ibr renewal form and their website said that I am ineligible for IBR renewal. Clearly this is false information.

This year, I faxed my tax returns along with my application and I have proof that the fax was sent. I received a rejection notice approximately 18 days later. When I called they stated that they did not receive my tax returns.

A previous rejection occurred because created a new ibr renewal form and said that I could not use the one from the department of education. However, they did not notify me of the new form until my application was rejected.

Las year they rejected me based on another small technicality.

When I first applied for ibr, approximately six years ago, I was not aware that my loan had been transferred from the department of education to edfinanical. They stated that they never received my loan application.

I presume they do this so that they may add my student loan interest to the principal. Clearly they are trying to mislead student borrowers and are making the renewal process unduly difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: MSW Capital, LLC
State: FL

Complaint narrative:
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.

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 2018-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

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 2018-03-20 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:
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

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 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a Capital One Credit card acct # XXXX The card was stolen and used without my permission while I was in the hospital I reported the Fraud on XX/XX/2018 As a result of the Fraud Capital One closed my Credit card As my right, I am requesting the complete UNREDACTED investigation file and any other information Capital One used or referenced as reasons to close my account. Per my right under the Fair Credit Billing Right Act & ECOA. 
If for any reason Capital One attempts to refuse this report it will be clear they are doing so to protect themselves of wrong doing. It is a long established fact innocent people or entities do NOT hide facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Entered into a loan forgivness program with navient andthey did notinform at the timei needed to renew the program every year. So now itshows on my credit report 90 to 110 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: KS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and Transunion without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 2018-03-20 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: KS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report with Equifax, XXXX and TXXXX  without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: KS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
XXXX XXXX Hospital in Iowa sent a medical bill to XXXX XXXX XXXX XXXX, XXXX Illinois, for an unpaid medical debt for our son. The hospital sent the debt in my ex husbands name only since he is the insurance carrier, legally responsible for all medical debt for our children after XX/XX/XXXX in divorce decree and the grantor on the medical bill account. In prior years when we were married, we had accounts together through XXXX XXXX XXXX XXXX. When XXXX XXXX Hospital sent the account through to XXXX XXXX XXXX, the automatically attached my name to the account in collections. I never received a bill from XXXX in this account and never received a bill through XXXX XXXX XXXX on this account. I found that XXXX XXXX XXXX had done this when I checked my credit. When I spoke to XXXX XXXX XXXX XXXX they said they couldnt bill me because they didnt have my address or number but had tried communicating with the ex husband whom was sent to collections in the first place with no response. XXXX XXXX XXXX XXXX representative threatened to take me to court, said they did not want a copy of the divorce decree, talked over me in a hollaring voice, belittled me. The original creditor, XXXX XXXX Hospital did not send me to collections, never billed me for the services on XX/XX/XXXX but sent it to collections on XX/XX/XXXX due to a nonpayment on a bill my ex husband is legally responsible for paying. XXXX XXXX XXXX XXXX took it upon themselves to add my name to this collection account and put a derogatory mark on my credit when this account was not in my name in the first place when XXXX XXXX Hospital sent the account to them. XXXX XXXX XXXX XXXX has put a derogatory mark on my credit for an account that is not mine, threatened me, would not allow me to send evidence that the account was not mine, has not submitted proof that I owe the bill because the do not have my address and should not have my address since XXXX Hospital submitted the account on my ex husband and all of his information. We have been divorced since XX/XX/XXXX. XXXX Hospital is also working to remover my name from XXXX XXXX XXXX XXXX since they did not send my name on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX put a block on a merchant without my consent or notifying me a block was put on the merchant, or the reason for the block. This block resulted in significant data loss from the subscription service being discontinued due to the block. 

XXXX XXXX then took several days to remove the block, something that normally could be done much quicker should a reasonably professional effort be made to do so by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 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: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC
State: DE

Complaint narrative:
This is what I wrote on " XXXX '' onXX/XX/XXXX : What a SCAM! You never speak to anyone who speaks CLEAR ENGLISH ( and this is just for " starters '' )! 

TWICE this week I applied ; only to find out that BOTH applications were " declined, closed or withdrawn ''. WHY?! I only applied for {$300.00} for XXXX XXXX XXXX! We really needed this money, too! Oh, well! This must be a sign from Above. 

Just this morning, I was asked to call AGAIN to verify MORE information. This time, it was my BANKING information. We had to make a three-way call to our financial institution. I thought, " Ok. They're just verifying the account numbers and such. '' WRONG! The XXXX woman had the gall ; WITH a credit union representative at the other end, to ask for our CURRENT BALANCE! Excuse me?! That is NO ONE 'S business ... PERIOD! 

I don't care how badly we needed this money. It's blatantly obvious that " XXXX XXXX '' does NOT have the best interest of its customers/potential customers in mind. 

Moving along ... 

Reason of review : Poor customer service.

Monetary Loss : {$300.00}.

Preferred solution : Let the company propose a solution.

I didn't like : Shady practices, Csrs that do not listen and XXXX people around by being repetitive, Non-english speaking csrs, Csr gross incompetence, Csr questioning current available balance in checking. 

After WRITING THEM DIRECTLY about NEVER communicating with me EVER again, I got another OFFER LETTER IN THE MAIL TODAY (XX/XX/XXXX). The offer letter is datedXX/XX/XXXX, the same date as the first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: KS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 2018-03-20 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:
I have been calling American Express since XX/XX/XXXX. I was offered a promotional bonus of XXXX rewards points for spending XXXX  $ to upgrade to a new card. My original call was simply seeking a replacement card. I was convinced to upgrade due to the great promotion. I spent required XXXX $ within the first month and was denied ever being offered this promotion. I have been calling since then over 10 times speaking to muliple representatives and supervisors to review the call. All tell me they will call me back within 48 hours. 3-4 days later, i keep calling to file a complaint and i recieve the same run around and am asked to explain a 20 minute story to 2-3 different representatives/managers. All appologize and agree with my frustrations and continue to do the same, give me a 48 hour call back period and i keep getting the same run around. I want to have a solution to this or i will cancel my account and my wifes. I dont want to support a company that is wasting my time and not acknowledging what was offered to me.

Company response to consumer: Closed with explanation