vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 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: TX

Complaint narrative:
I filed a dispute with transUnion credit reporting agency a fewmonths ago regarding an fraudulent account showing on my credit report from XXXX XXXX XXXX XXXX in the amount of {$3100.00} as I was a victim of identity theft and this account does not belong to me. Included in the dispute, I sent in a police report a and a FTC fraud affidavit which TransUnion confirmed they recieved, removed and blocked the account. 2 days ago, this account came back to my credit reports despite them claiming to have blocked it. I called Transunion immediately and was told that they no longer blocks fraudulent accounts from reappearing on credit reports. But offered to dispute it the regular way, which take up to 30 days in which they could not ensure it would be removed. 

I requested to speak witha supervisor ( XXXX XXXX ), who confirmed as the previous representative stated, that they no longer blocked fraudulent accounts. I have attempted to dispute this account with XXXX XXXX XXXX XXXX to no avail as they have been unable to verify these charges belonged to me as theyve only sent in charges related the credit card. But nothing pertaining to any addresses ive ever lived. 

TransUnion is not obeying Section 623 ( a ) ( 1 ) ( B ) which requires data furnishers to remove/blocked fraudulent transunions within 3 days of recieving a police report and FTC Fraud report.

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 2018-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Capital One promotes a credit for Venture credit card customers whereby a purchase of XXXX XXXX or XXXX XXXX will be credited back to the account to fully offset the amount spent. This was promoted to me as a Venture One cardholder despite ( as I discovered months later when the credit never posted to my account ) that type of account being excluded from the promotion. The names are practically synonymous and there was no clear indication that Venture One accounts were excluded from the promotion. 

I attempted to resolve this directly via Capital One 's customer service, which is when I learned that the promotion directed at me was not, in fact, applicable to my type of account. I received several conflicting responses, was disconnected and had to start over with a new representative who gave a conflicting set of facts. No one at Capital One provided an explanation as to why the promotion was directed at me when my type of credit card was no eligible and no one offered to fix the problem by crediting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Credit Karma, LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX. I attempted to create an account with " Credit Karma '', ( creditkarma.com ), using my email account in order to obtain my credit score ( s ). 
But I was unable to do this because My email is still registered to my mother who passed away in 2016. ( I held a 'Durable power of attorney ' on her behest until her death ). 
( This is a serious issue, because it directly affects my ability to obtain and monitor my credit activity ) Credit Karma 's Help section does NOT provide any way to correct this. Further, Credit Karma has failed to provide a 'contact number ' anywhere on their website for issues such as this. 
Having 3 degrees in computer sciences, I was able to obtain one single phone number for their XXXX XXXX office through some of their filings with sec.gov. ( Securities and Exchange Commission ), But that number appears to connect to their 'Loan department ' I placed a call to that number and it went straight to 'voice mail '. Having no other option, I briefly described my situation in the voice mail, but have yet to have heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NC

Complaint narrative:
I had to refinance my XXXX loans through XXXX. I applied with the latter agency in XX/XX/XXXX. I sent a letter along with a paycheck stub showing my base monthly pay and requested that they calculate my monthly payment on this amount instead of my XXXX tax returns because I was able to acquire extra work throughout that year. However, it's not guaranteed income, and indeed, I've not been able to secure the same amount of extra work in XXXX, and will be making a lot less. 
In XX/XX/XXXX, XXXX sent information about my monthly payments ( in the amount of {$180.00} per month ), which were scheduled to began in XX/XX/XXXX. A week ( no more than 2 weeks ) before this first payment was due, XXXX sent a letter saying that my monthly payment had increased to {$240.00}. There was no real explanation. On XX/XX/XXXX, I called XXXX, and a customer service rep said that I didn't fill out the application correctly, so they based the payments on my XXXX tax return. 
I was advised to reapply. I have. However, I've been pushed back into forbearance. 
On XX/XX/XXXX, I called XXXX to make sure that I had indeed been put into forbearance ( and that they wouldn't report me for not making the XXXX payment ). The customer service representative who checked my account said that my monthly payment ( that had been scheduled for XXXX ) should be {$180.00}. 
I've since processed the reapplication, per the advisement from the XX/XX/XXXX call. It is accompanied by a letter from my employer that declares my base annual salary. 
Something very fishy is going on at XXXX, and given the unexplained, shifting of monthly payment amounts that come up every time I communicate with them, I believe that this complain is warranted. Please contact XXXX and ask them to send me information on how they have calculated the following monthly payments : {$180.00}, {$180.00}, and {$240.00}. 
Again, I've reapplied to have them calculate my monthly payments, but I'm doing so at a heavy cost, and it's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase auto and chase bank has been making my life way more difficult by closing my bank account and increasing my monthly payments on my auto loan. Also there business services closed my merchant account deliberately, making it difficult to make payments. I want significantly lower my payments and or reduce debt as a result of their predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: FL

Complaint narrative:
In my review of my credit report PORTFOLIO RECOVERY ASSOCIATES INC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Good Morning!! I spoke with the manager in XXXX, MS by the name of XXXX!! He was so rude to me lastnight he stated I was irresponsible and made the statement " to not come crying to him later ''. I felt so awful after speaking with him I work in financing and I know that is not the way you handle customers. I tried to explain to him the reason why I was 2 mths behind he demanded me to listen and kept getting louder by the minute. I do understand that I owe the bill and I plan on getting it paid and caught up. My husband has been off work and im the only one working with XXXX kids. XXXX was one rude individual to me lastnight.

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 2018-11-16 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: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I'm filing this complaint because this collection company and XXXX are being really unreasonable. I'm a veteran who is XXXX and have medical issues. I went through major health issues and I had a slip up with this account. I've paid it and made good on the debt as soon as I was able too. I was in a serious medical emergency and that was the only reason why this went into collections. I am a veteran and I fought for this country. I am trying to refinance my mortgage to a much better rate which would put me into a much better situation. I'm XXXX and on a fixed income. Every penny counts. I can't come to terms with the fact that someone in my position is being treated this way. I hope someone can find it in them to put in a request to remove this from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: AZ

Complaint narrative:
I reported an error & requested an investigation on my XXXX & Equifax credit report related to an account with XXXX XXXX # XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I filed for permanent XXXX forgiveness first of XXXX. They said my forms was incomplete. The reason was My XXXX didn't state if I will have a 2 year review. So I sent in everything that needed XXXX XXXX of XXXX. Stating that my XXXX is permanent and if my XXXX was to have reviewed it would state it on my XXXX papers. I also stapled all papers again together. I have not heard anything from them. Try emailing and dont get answers. They keep adding interest to my account. My orginal loan XXXX now little over 17,000. I think they keep avoiding to add interest. My loan was in debreavince before and they keep adding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. Additionally, I submitted a complaint that they exceeded their 30 day response period on XX/XX/2018 and still no responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA The item is as follows : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: GA

Complaint narrative:
XX/XX/18 i asked equifax to provide me proof of how they validated the debts that they are reporting. they have not provided me proof i called the lady said they are not required to provide proof which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was buying a home in XXXX, XXXX, with cash. On closing, I was in touch by email with my Title Insurance Company in XXXX XXXX, XXXX ( XXXX XXXX ) and my realtor in XXXX ( XXXX XXXX ) about wiring the money to the Title Insurance Company. I was not happy about wiring the money and asked if I could give a check when I met up in person with the both of them in XXXX XXXX but XXXX XXXX would not accept a check. I had problems wiring the money from my Citibank account in XXXX XXXX to XXXX XXXX and it took about a week to iron out problems with Citi as to how I could send it. To complicate matters I was in the XXXX looking after my frail XXXX year old father when the money was due and had to speak daily on the phone to Citibank Wire Services in the USA. Closing date was XX/XX/XXXX. On XX/XX/XXXX, a scammer, using the name and email of my Title insurer - XXXX XXXX -  intercepted our emails and instructed me to send {$220000.00} by wire to XXXX XXXX account in XXXX XXXX in XXXX XXXX. I questioned the bank details with XXXX XXXX as the account was not in XXXX but was assured that the HQ of XXXX XXXX was in XXXX. I knew this to be true and finally went ahead and wired the money on XX/XX/XXXX. Within 2 days I had realised that I was not emailing with the real XXXX XXXX and reported the theft to Citibank. Two amounts were returned to my bank account in XXXX XXXX - {$34000.00} and {$22000.00}. The amounts were wired to me from Citibank in XXXX. Since then I have been in contact with XXXX XXXX of Citibank as well as reporting the fraud to the FBI, XXXX, OCC, FHFA OIG, the Department of Justice, Federal Trade Commission, the Attorney General of XXXX XXXX, and the Attorney General of XXXX, but I have as yet received no further information about where my missing {$160000.00} has gone.

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 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
US Bank changed the Rewards program rules and benefits on their FlexPerks card for XX/XX/2018. The website shows a value of {$.00} per point for travel purchase. In addition to the travel site for purchasing air tickets they offer and instant rewards program. I called several times on XX/XX/XXXX to discuss the various benefits because I couldn't find it online. It was my understanding that the mobile instant rewards program worked the same way for travel. 

Since I didn't receive the point exchange text as I expected for an air ticket I purchased I called again on XX/XX/18 to get the problem corrected. After a considerable time discussing and waiting on hold I was told the instant rewards mobile program was valued at {$.00} for travel as well as everything else. I maintained that the website rules did not state any of that. I was told by the representative that they would find where the site states those rules. Again after a considerable wait I was told that the site doesn't state that but I would just have to take their word for it. 

As far as I am concerned it is false advertising. Although it may not be intentional it is definitely not what I understood. I am out the {$530.00} but still have the points.

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 2018-11-16 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: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.

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 2018-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: TX

Complaint narrative:
XX/XX/18, {$1500.00} XXXX XXXX and National Commercial Services have been targeting me since XXXX stating that I wrecked one of their vehicles and requesting/threatening to suspend my license which is false. They can't seem to provide any legal evidence/police reports or anything to show I was involved in this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) calls me on a regular basis. They never leave a message if I let it go through. They hang up if I answer. If I call back, they ask about my PRA account, of which I have no idea as they have left no information about why they are calling, or given me any account information. I want to take legal action against them. I have blocked many of their numbers, but they call from locations all over the U.S.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. They signed for that letter on XX/XX/2018. The report states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all with proof, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX about EQUIFAX, INC The company 's response to my dispute was to only indicate that the item I was disputing was not on my credit report. They did not provide me with any information on the item that WAS on my credit report ( Same creditor ). I called and they said that they couldn't authenticate me so they could not help me at all. I am not aware of the charges because I did not incur them. I need to know the details of the item so I can validate them, as they are not mine and I need to gather my proof. How can I prove a negative???? I have no idea of what the charges are for.

Company response to consumer: Closed with explanation