vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: WA

Complaint narrative:
The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2017 I contacted Capital One Bank to discuss investigating a payment that did not appear to have post to the account in question nor was the payment reflecting in the outstanding balance. The purpose of this payment was to bring the account to a zero balance. Capital One Bank, on two prior occasion mishandled payments that was sent to them but they quickly corrected their error after I contacted them and expressed my concerns. However, in this situation Capital One Bank was unable to find their mistake and left me without answers or resolution. Subsequently, being left without an explanation of their error or provided with a commitment to apply the payment and adjust the balance accordingly, I decided to ask that the account be audited and verified. Knowing a payment was made to Capital One Bank, which did not get credited to the account, but was kept by the Capital One Bank is disproportionate, unnerving and detrimental to all consumers whose objective is to repay their creditors. I have attempted to resolve this matter by contacting Capital One Bank on XX/XX/2017 requesting that the account be properly audited and verified. The response I received was nothing more than printed monthly statements which I believe only exacerbated the problem. The information provided by Capital One Bank did not provide a solution or root cause of the problem as an audit of the account would have provided which is what I requested. I wish to file a formal complaint against Capital One Bank as they continue to forcefully request that I pay monies to them and they have not provided proof to their claim of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I was emailed a receipt in the amount of {$3500.00} from XXXX XXXX. The receipt was in my name. However, I have never purchased anything from XXXX XXXX, and live nowhere near the store where the purchase was made. I contacted the store and was told that they could not help me and that I had to contact XXXX XXXX directly. I contacted XXXX XXXX and was told that I would have to visit the store in person to resolve the matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Performant Financial Corporation
State: IN

Complaint narrative:
We recieved a notice/levy from the state of Indiana from a third party collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX. The amount of the levy is XXXX and our accounts have been locked. This was claimed and discharged on our bankruptcy in XX/XX/2017 yet we have been harrassed even though the bankruptcy paperwork clearly states and lists the state of Indiana Department Revenue on the bankruptcy discharge paperwork.

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 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I used the Plan It feature. For three of the purchases, with XXXX, XXXX XXXX, and XXXX PA, the merchants fully refunded the charges. However, American Express has been unwilling to cancel the three plans and refund me all of the monthly service charges I have been assessed. I have been told three times by American Express that this has been resolvedthe last time from XXXX, a Plan It supervisor, who left me a message on XX/XX/2019. But the plans have not been cancelled and the fees have not been refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The open auto loan I have with Santandar consumer is not reported on my three credit reports that I have recently pulled. Name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The company closed XXXX closed my card without notice even while paying my debt down. XX/XX/2018 XX/XX/2018

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 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I paid my American Express Everyday Blue Cash credit card off in XX/XX/XXXX and was super excited to finallly have a zero balance and have the opportunity to begin using my credit card for purchases and being able to earn rewards. I began chatting with an agent on the Chat online on XX/XX/XXXX around XXXX EST. I requested a lower APR due to having better credit now than I did when i applied in XXXX. I have been a card holder since XX/XX/XXXX and never have i had my APR lowered or my credit limit increased. My other credit cards lowered my APR and increase my credit limit multiple times except American Express. During the chat of requesting a lower APR i was advised my APR was unable to be lowered at this current time. I accepted that response and asked what my current APR was on the account. That is when I was informed my APR was 25.24 %. I was extremely surprised my APR was so high due to when opening my American Express Credit card in XXXX my APR was 19.24 %. I never received any letter or notification regarding this APR increase and when I asked why I was advised the letter was missing in the mail and they confirmed it was never delivered to me. I continued to speak with an agent on chat on XX/XX/XXXX, and then i requested to escalate my concerns where i began speaking with a Supervisor via chat who advised my the same information and that the letter was sent in XX/XX/XXXX and then notice was on my statement, but the letter was lost in the mail. That was when i was provided a phone number of XXXX to discuss my account with someone and be provided the reasoning my APR was increased and why my APR was unable to be decreased at the time. I made the call to that number on XX/XX/XXXX around XXXX EST where i received no help from the initial agent nor the next supervisor. I requested to speak with a manager and was advised one was not available. I accepted that one was unavailable and requested to leave a voicemail or have a manager contact me back regarding my concerns and the Supervisor advised me that no one would be able to do anything and speaking with someone higher would result in the same answer. I am now waiting for a response back from the manager. I was advised my APR was increased due to my Fico in XX/XX/XXXX and the increase started on XX/XX/XXXX. This is a HUGE increase, I never received a letter, and i was never delinquent on the account and was an outstanding customer. I read the valid reasons on this site on what constitutes an unexpected APR increase and i did not meet or cause any of them. I would like my APR to be adjusted back to the 19.24 % or lower. My issues are unresolved and my customer experience is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: DE

Complaint narrative:
After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!

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 2019-03-31 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: DE

Complaint narrative:
After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: DE

Complaint narrative:
After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!

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 2019-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DE

Complaint narrative:
from XXXX to early XX/XX/XXXX my debit card was used at an online casino for a total of {$2500.00}. I went into the bank filled out a dispute got a new debit card and given intial credit of XXXX, then in XX/XX/XXXX pnc took my hard earned money back and said they completed there investigation. Really? This money was stolen from me and pnc allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: MI

Complaint narrative:
I wrote a letter in XXXX of 2019 to the three credit bureau XXXX, tXXXX and experian. of the items i were disputing.none of the items were verified.they did not follow protocol.

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 2019-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
On XX/XX/2019, i received a letter from Mariner Finance ( letter attached ) which stated I was declined credit due to my XXXX credit report. However, i did not submit a request for a loan/line of credit to Mariner Finance.

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 2019-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX it's my complain that I did submitted and trying to get help. 
Not sure if provide enough information, but humiliated and hurted, as well as my family members, parents, kids ( 3 ) .All I asked from BOA is modify loan to lower payment in 2010 when got divorce.I had great credit and good stable income. I feel that was drugged into scam and BOA made everything possible to fail modification and delay, so I had to fight against bank by providing all nessary information and documents on time, but they kept on loosing them, misplacing, and changed file managers, and blame on different workers.So they got me behind and first response was- not able to modify loan due to increased amount due.I kept on trying to get justice and kept home for 9 years, but in XXXX nothing I could do, Loan was transferred to XXXXXX/XX/XXXX( they demanded totall payment on mortgage in one payment.They foreclosed and sold our home.That 's not fair, I understand that all banks have great attorneys, and they can find any reason to stop me from getting my house back.If BOA didn't fraud modification process, I would kept my house for my kids and my parents. I wish nobody will be treated like us, but sure it's a lots of victims of mortgage modification fraud and fraudelent foreclosure.Damaged credit, high Dept instead of lower mortgage payment!!!!!!!!!!!!!!!!!!!

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 2019-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 commonwealth finance put XXXX dollars in collection for medical dept that IS NOT OWED the number associated is XXXX AND I HAD AND HAVE XXXX AND XXXX FOR THE LAST 5 YEARS SO NOTHING AT ALL IS OWED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Braviant Holdings, LLC
State: WI

Complaint narrative:
XX/XX/2019 I filed for Chapter XXXX bankruptcy protection XX/XX/2019 341 Meeting of the Creditors with the Trustee ; the record will show there were no creditors represented in the Court. Specifically, no representation from XXXX or the presumed original creditor, XXXX XXXX. 

XX/XX/2019 Received voicemail from XXXX This message is intended for " you '' this is XXXX XXXX compliance officer contacting you in regards to your pending case being filed that is attached to your name, birth date and social security number. By law, I have to make you aware that once a case number " x '' is filed it will become a matter of public record and there is an order of location issued for you. Since I wasn't able to reach you by phone I was instructed to contact your employer and speak with your supervisor as it looks like this will now be a possible place of location due to the negligence on your end regarding this case. XXXX `` X '' you do have a legal right to contact the office that is processing your case if you will want to speak with them before its filed. Once your case is discharged from their office all rights are to be forfeited. The number provided on the paperwork for you to contact them immediately is XXXX. You are being legally notified by telephone and you will be located unless I'm told otherwise. 

XX/XX/2019 Received a text from a colleague that the " compliance officer '' had reached out to them regarding me. 

Please investigate why XXXX XXXX would sell loan that was known to be in Ch XXXX proceedings. Further investigate why XXXX is allowed to intentionally use illegal tactics within days of the 341 meeting to harass, further embarrass and scare an individual into some type of payment arrangement. Hit them with fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: MI

Complaint narrative:
I wrote a letter in XX/XX/2019 to the three credit bureau XXXX, transunion and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.

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 2019-03-31 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: MI

Complaint narrative:
I wrote a letter in XX/XX/2019 to the three credit bureau equifax, XXXX and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened an account with suntrust bank on Wednesday night ( XX/XX/19 ) online. I had an insurance check to deposit for roughly XXXX on Thursday. I opened account to just start fresh with the amount of money which I was depositing. They explained possible holds on he check etc, and I agreed that was ok and what not. Friday morning I get from suntrust bc I signed mobile alerts via online banking that the check cleared bc it was local and insurance so easily verifiable. I went into the bank had to do a signature card to get money our which seemed normal. Took a small amount and went about my business. Later Friday I decided to check XXXX via online banking. Mysteriously I could not log in said my account had been restricted. I called and they really couldnt tell me anything but I was working so I didnt have much time. He told me I need to talk fraud department. So I noted it planed to call Saturday morning along with going into a local branch. I called on the way the guy told me that suntrust had needed the relationship between me and them keep in mind but could tell me any reason as to why or what happened but assured I could go into the branch and withdraw my money keep in mind it stated that all calls are recorded. I get to the branch and basically the lady to me that they lied to me to get me off the phone, that the issue still having no clue what it is and still dont have a clue was above branch level and she could not do anything. So I have no idea whats going on I made her call corporate hoping to get some sort of answer as to how to get my money and why they closed the account. Nothing. I was there for almost 3 hours. I called myself to this time telling me I had to wait 30 and they will mail me a check and I asked for fraud department, had me on hold for 1 hour and 48 minutes to have answer the call after I was transferred. 3 different stories I was told. With this being insurance check I have much that has to be paid for ASAP as its destroying my credit. All I want is to be able to withdraw my money. She told me if i had a refund after their investigation they would mail it to me??? We are talking XXXX if I have a refund? I just need help in this matter to get my Money from this bank that after reading reviews is not far from crooks. She could even give a paper stating what my balance or anything is, ridiculous. Please help asap

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