vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was forced to apply for Care Credit which is a service provided by XXXX XXXX. XXXX XXXX forced me to apply for this credit and I was approved. I was harassed to charge up the card to the limit once the card came in. Little to my knowing the XXXX  agency had already contacted XXXX XXXX and charged up XXXX dollars to the card without my permission or knowing.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Hello, I have 3 hard inquires on my credit report without my authorization. 
The names of the companies and dates of the inquires in my credit report are : XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2018-01-22 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: Clarity Services
State: TX

Complaint narrative:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

American Express has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my XXXX report and I have contacted XXXX and was told that American Express has NOT informed them to delete the inquiry. The inquiry date is XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

XXXX XXXX has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my Experian report and I have contacted Experian and was told that XXXX XXXX has NOT informed them to delete the inquiry. The inquiry date is XXXX/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 non-monetary relief
Consumer complaint received 2018-01-22 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: TX

Complaint narrative:
I am a victim of identity theft. I checked my credit report and found that these companies submitted a request to view my credit report without my consent due to online applications filed in my name. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

The fraudulent inquires are from : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I disputed this debt sometime ago with this same collection agency. They could n't provide validation and this account was removed from my credit report. I paid the original creditor in full and do n't owe them a penny. After this debt was removed this was placed back on my credit today with no notification no letters no contact after removal. I do n't like there dirty collection tactics, I cant not be forced to pay I debt I do not owe I do n't not have a contract or account with this company and I need this account removed again and never put back unless they can provide me a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: NY

Complaint narrative:
XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: UT

Complaint narrative:
This is not my debt. Please tell me why you think this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My name is XXXX XXXX XXXX, I open a credit card with bank of america a while back. The term and condition of the credit card is zero interest for a certain period of time, ( I think it was 18 months no interest though the duration is not relevant in this discussion since this is about fraudulent charges by the bank ) as well as no annual fee. About a year ago, I was charged an annual fee by bank of america against the term and condition of their own credit card sign up, then afterward, when I have a balance of XXXX on my credit card account because I pay off all my balance. Bank of america automatically charge me an automatic payment of {$25.00} when I do not owe them any money ( which actually result in a negative balance in a credit card showing the bank basically steal my money ) and then they wrongfully charge me a non process able fee because they could not fraudulently steal my money with wrongful charges. These problem are still not resolved, but due to so many criminal and unlawful action on my credit card account by bank of america, the very company issued the credit card, I tried to close my account. Bank of america refused to let me closed my account at first, while continue placing fraudulent charges on my account. When I finally able to close my account with bank of america, they report a negative remark on my credit report for not paying them for a balance created by their fraudulent charges on my account which affect my credit score.

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 2018-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
Hello my name is XXXX XXXX. I am one of many victims who have been 100 % mislead or misinformed by an online predatory lendind institution engaged in illegal business called Big Picture Loans. Theyre a tribal institute supposedly located at XXXX. XXXX XXXX XXXX Michigan XXXX although after agressive research another victim reported them as operating out of the XXXX. I can not give you actuall dates as i can not bring up my account info, and cant contact them as they wont answer their phones. Shortly about a week before XXXX i responded to an offer via online to a preapproved money lending offer. Halfway through the online application i received and took a phone call from them. They stated that the app was approved and could have money in my account tomorrow. They stated there would be a {$120.00} finance charge. They didnt tell me there was an 850 % interest charge. Days later i received an e-mail with a breakdown of scheduled bank withdrawal payments. In re its going to cost {$3700.00} for a {$500.00} loan. I am currently seeking an attorney to get this issue resolved. These people should be stopped as they are scamming hard working people out of their money. With the advise of my bank i closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
To whom it may concern, I have an issue with missing deposit payment in my XXXX account. More than 10 days ago ( XX/XX/XXXX ) a friend of mine transferred XXXX Euro from his XXXX XXXX based bank ( XXXX credit card ) yet I have n't received anything in my Coinbase account yet, however the transfer results successful from his side since XX/XX/XXXX. 
Considering the fact his account is in XXXX XXXX ( XXXX ) and currently Coinbase accepts transfers from US and XXXX only ( according to their website statement ), I assume this transfer will never arrive to me. Although I want to know when the amount will be returned to my friends account? 

I have tried to contact their team countless times via their official website ( case ID : XXXX ), phone ( waiting on the line for hours ), official XXXX account ( created topic and contacted their staff ). So far I do n't have any feedback where this money is and when they are planning to accredit/return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
I disputed some items on all 3 credit bureau XXXX deleted them all but XXXX and Experian have a few still on there and wont remove them off.

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 2018-01-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Requested the following accounts to be deleted from my credit report XX/XX/18. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX   ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : 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 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: LA

Complaint narrative:
In XXXX I used a service to work with PHEAA to rehabilitate my loans after my consolidation application was in they canceled it and began garnishing my wages after refusing to deal with the service I employed. I work shift work and a lot of extra hours, my phone is prohibited at work and my hearing isnt all that great to begin with thus I contracted with the service. After the garnishment I spoke with PHEAA several times until they finally told me to pay a nominal payment and they would take my loan out of default so I could apply for consolidation. Every time I went to apply the site said my loan application was with PHEAA and I needed to contact them. I did so several times and was repeatedly and rudely informed that it was a government website that had nothing to do with them. Finally I managed to reach a person with the website and was able to submit my application within days of the deadline I also informed PHEAA of what was happening. In the meantime they pushed me back into default as the fed loan ppl delayed my app for me to file an income based repayment request ( that I do not need or want! ) now I PHEAA has changed more fees and again reported to the credit bureaus. How can I get my loan out of default when they make more money forcing me back into default? I need help! I can not loose my job in the process of trying to communicate with the thugs they have employed to deal with debtors like me. I want to pay my loans and put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2017 I mailed a certified letter to Capital One. In this letter I requested the alleged charged off account be validated. Acc # xxxxxxxxxxxx XXXX The un-validated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it XXXX, as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This Capital One is in violation of Federal law. They have not validated the alleged debt nor did they note my personal credit file of the dispute. I have attached a letter that I received from Capital One which says they have is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Credit inquiry glitch from TransUnion did n't fix the process. They refused to remove inquires on the credit report No 5 days notice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase let a fraudulent company charge my credit card account with a membership fees they did not have the right to charge, because this organization did not provide me service, more importantly, I did not provide this organization with my credit card information and I did not give them permission to use my credit card or charge me for this non existence service. 

After this organization charge me a fraudulent fee which affect my balance, my automatic payment was somehow cancelled on this credit card created a late payment fee, though if there was no fraudulent charge in the first place, this would not have happened. Then when I closed this account with chase because they did not help me resolve this problem to my satisfaction, chase report a negative on my credit card account with a delinquent status on a late payment created because they let a fraudulent charge happened on my account without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
I disputed some items on all 3 credit bureau XXXX deleted them all but Transunion and XXXX have a few still on there and wont remove them off.

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 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: FL

Complaint narrative:
I just saw this Collection Account from Brown and Joseph , LTD which is showing {$0.00} balance. According to Brown and Joseph the collection was open on behalf of XXXX XXXX, which I have not done business with for a very long time and was never in debt with, hence it says {$0.00} balance. 

Also, I have never received any collection notices over mail or phone from Brown and Joseph , LTD or XXXX XXXX. 

This needs to be removed from my Credit Reports because the information is incorrect and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.

Company response to consumer: Closed with explanation