vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 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: DISCOVER BANK
State: CA

Complaint narrative:
I extensively researched different credit cards back in XX/XX/XXXX and  finally decided to apply for the Discover It card because everywhere I looked said there was 0 % interest on purchases and balance transfers for something like 18 months, maybe 14. This was written clear as day in all the articles I read, as well as the terms on the actual Discover website. I applied and was so excited to be approved ... In XX/XX/XXXX I put a large purchase on my card and they are now charging me interest. I called the company multiple times and they argued with me saying that you only get the special interest on purchases IF you're approved for that, not when you're approved for the card. I've never experienced something like this and I totally feel like they lied to get me into a credit card with them but never gave me the promotional interest rate as advertised. I read all the fine print and couldn't find anything that says you may not be approved for the 0 % APR on purchases, they're claiming I only was allowed that on balance transfers and I know that's incorrect. I'm currently working on getting a new card to transfer the Discover balance into so I can give my business to somewhere that honors their word. Every card I've ever applied for has given me the intro rate that shows on the application and I thought Discover would be no different. Sorry I was so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 someone made an unauthorized fraudulent purchase at a XXXX XXXX in the state Illinois using my AMEX SERVE account number without the card physically there. The charge is currently on Hold. I contacted AMEX SERVE and they said they can not do anything until the charge actually goes thru.

By AMEX SERVE refusing to take action, they are telling me that they are OK with fraudulent activity and will accept this activity and do nothing.. 
They also stated they allow purchases to be made at a store without the card being physically present which is contradictory to their statements about fraud protection when you first sign up for the card. 
Also they stated that I would have to call back after the fraud has gone through before they can begin an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: MD

Complaint narrative:
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: MD

Complaint narrative:
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me.

The disputed inaccurate and unauthorized inquiries are : 1. XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: IL

Complaint narrative:
TransUnion 's customer service would not help and take care of the negative inquiries reporting on my credit report. I have sent several certified letters advising them that following inquiries where not authorized by me. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TN

Complaint narrative:
I dont know why I am getting this XXXX card. I think it was from a pop up survey that claim to give away gift cards ( which was a lie ) from me using the XXXX app connecting to XXXX website. I feel it is a dishonest way of doing business. I do not want this card and the survey was a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/2018 I sentva debt validation letter to the company asking them to validate the stated debt, that is not owed to send me original signatures and items used to validate the debt not verify or the company will be in violation of the FCRA Buy reporting in In accuracies on my credit 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 2018-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My lease with XXXX XXXX ended in XX/XX/XXXX. I turned the vehicle in, paid the remaining payments in full and on time, and then paid the additional fees and damages in full. In XX/XX/XXXX, XXXX XXXX reported my account 90 days delinquent. I immediately inquired and they said it was some sort of mistake and my only recourse was to file a dispute with the CRA and wait 30 days till it was fixed. I was very unsatisfied with this answer as I had to take time to fix their mistake and suffer credit card companies lowering my limits and denying me credit. Again, it is XX/XX/XXXX, a count still closed, paid in full, and they reported my account 120 days delinquent. I called again and they apologized and stated I had to once again file a dispute but I could PAY to expedite the process!!! I am so sick of my credit score I work so hard for suffering drastically while these mistakes that the company can not explain why it is happening, happens. Currently, my score has fallen over 100 points not at the fault of my own and the company has done nothing. Ut apologize and brush me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: CL Holdings LLC
State: CA

Complaint narrative:
I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This company is failing to validate the information they are attempting to collect for. I paid XXXX ( original creditor ) everything that was owed to them as of XX/XX/2017. I have been attempting for several months to receive actual evidence of said {$20.00} debt, such as an itemized bill with payment history and the original contract. All I keep receiving are letters that say, " we verified that this item belongs to you '', without any information which is not validating the debt. Please help with this company as they are reporting negatives on my credit report. I have spoke to XXXX who have verified that this amount was in error on their end and has sent verification to Amsher but Amsher is refusing to speak to them the phone and or update this information. 

According to XXXX privacy policy, " When We Share Information Collected About You. We do not sell your name, address or phone number to others outside the XXXX corporate family to market those companies products or services. Account Holder. If your use of our products and services is in conjunction with an employer discount or multi-line account, your employer or the primary account holder may have access to your information. For Legal Process and Protection. We will provide customer information where necessary to comply with the law, such as disclosure of your information to a law enforcement agency for your safety or the safety of others, or when compelled by subpoena or other legal process. De-Identified Data. We may provide your de-identified information to third parties for marketing, advertising, or other purposes. 

This is also a violation of XXXX   privacy policy that they agreed to as I copied above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: IL

Complaint narrative:
Experian 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letter where sent advising that the inquiries where not authorized by me and are listed below. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2018-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After my complaint to CFPB regarding the broken laws from XXXX XXXX XXXX. They sent this letter. This is a letter of proof from XXXX XXXX XXXX that they have CEASED all collections at this time.

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 2018-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
This medical bill was place into collection prior to me even having the chance to submit my medial insurance. Once I still tried to have my insurance added they denied me the opportunity. 

After the bill was placed into collections in XX/XX/2017I received phone calls at all hours of the day and night. I even heard a representative speaking negatively about me and my medical situation after she thought that she hung up the phone. I was very offended and took it very personally that I was being treated with so much disrespect. 

I have sent paid the entire bill off and would just like the collection completely removed from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: TX

Complaint narrative:
equifax have failed to do a proper investigation of fraudulent and erroneous accounts on my credit file when i was involved in there data beach

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Dear all, This is to inform you that I have scheduled a fund transfer to XXXX through western union money transfer on XX/XX/XXXX. The company has promised through a written email that the calculated amount will credit to the receivers account by XX/XX/XXXX8. Though the amount was required for an urgent medical related issue in my family back in XXXX, I have agreed this terms. Unfortunately, till todays date, XX/XX/XXXX, the money has not credited into the account, and also the company 's customer care department is not able to give any satisfactory information about this money transfer. I have been contacting them for a while and all the customer care representative provides different answers/suggestions/comments about this issue.

It has been a sad situation for me and my family about this issue, because the money transfer is not served it purpose. 

Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loans have been transferred from XXXX to Navient in XX/XX/XXXX. My XXXX loans were on autopay at the time and apparently that go transferred over ( without Navient telling me - which was one of the issues, their website does not properly tell you if you are on autopay or not ). 

Right from the get go, there are massive issues. I was not officially warned that I moved to Navient until I checked my account on XXXX and my accounts were gone. And I did not get any of the documentation from Navient until well after the first payment was due. It was sheer luck that I saw this and quickly made a navient account to make a payment on the loan. 

Which leads to the next issue, I made a payment to Navient for XXXX dollars on XX/XX/XXXX.  Navient then disperses the amount into different accounts, instead of the loan that was specified. I read up and Navient has had a history of doing this. I called them up and told them about the issue and thankfully, they corrected the issue. 

The next issue is their website. I was ahead on payments apparently and because of this, they deceptively remove the autopay icon from the account, even though I was on autopay. As a result, I ended up paying XXXX dollars on another account twice. I called Navient again and they tried to say that it was the issue with XXXX and that it was normal to remove the autopay icon when I am ahead in payments, even though I am still in autopay. I find that incredibly deceptive. Worse, the refund, if I wanted to take it, would take 10 business days, which would have been pointless as I would have to make the payment again not long after. 

Which leads me today, Navient took money from my account on XX/XX/XXXX for {$150.00} towards my big loan account ( I have three accounts, all three have had major issues with Navient ). I checked my account and AGAIN they dispersed the amount in different accounts instead of the one, making my loan late in payment. I will be calling them again on Monday to settle this and I will be removing all payments on autopay as they are incompetent in dealing with money. 

Based on the lawsuit that was brought to them last year and seeing first hand how much they have been XXXX me, I am going to have to keep a super close eye on Navient and their incredibly shady business practices. If they keep doing this, I will be consulting my lawyer to see if I can pursue any action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: NY

Complaint narrative:
In XX/XX/2016 I applied for a new auto loan on a used car, having gone through divorce and financial issues my credit was not all that great. I went to XXXX XXXX in XX/XX/2016 and got a car, I signed the loan paper work and was expecting a high interest rate but not nearly as horrible as what they gave me. Ny state usury laws set max interest at 16 % but the car loan has exceeded that and is currently at 21 % interest which violates NY law and invalidates my loan. There are many other customers who are like me who are being charged over 20 % interest on car loans and ontop of the bad loans they are dealing out they are very rude and hostile when you are 1 day late on a loan, an when your late on your loan they call a reference from your loan paper work and disclose your status of being late on your loan. And for making payments they are not applying the full amount of your payment to your loan so when you think you are paying it off like normal they are shaving {$100.00} or more off your payment amount on your loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation