vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2018 Received a phone call from XXXX XXXX XXXX ext. XXXX. They left a voice mail for someone NOT me. Threatening to " take the next step '' and if they hadn't heard from this person, they would assume that they didn't intend to resolve the situation. 
I DO NOT have a personalized voice mail, it is completely generic. 
Maybe I wouldn't be so upset over this if I didn't work for a bank and didn't know any better, but the fact that they even gave me enough information to know this person has an account is a breech of confidence, but to add insult to injury, you just clearly gave me information about this person 's finances. But it's clear from the conversation that I had with your employee that they think it's perfectly fine. 
An employee of a bank should know it is on THEM when MAKING calls to do their due diligence to make a positive identification of a client before detailing any kind of information. Including insinuating a lawsuit. I don't care if I know the person, if YOUR company has not positively identified contact with YOUR client, then you have NOT to the best of your abilities attempted to contact your client. It is NO ONES responsibility but YOURS to make sure it is YOUR CLIENT receiving messages and not someone else. Blindly dialing phone numbers that might have *something* to do with your client IS NOT an acceptable way to try to resolve any situation. It is unacceptable and partially one of the reasons the CFPB exists anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Every year I request my " FREE '' annual credit report through XXXX XXXXXXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to Equifax and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through Experian to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to XXXX  and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.

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 2018-11-08 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: CA

Complaint narrative:
On XX/XX/XXXX I wrote to Equifax asking them to verify an account ( XXXX XXXX XXXX # XXXX ). They never verified the account and in fact responded that the account was not found on my credit report although I have proof that it was and still is reporting. I wrote a second letter in XX/XX/XXXX asking them to verify the account and included my current credit report with the account circled to show that the account is reporting and they responded " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. Please be advised that a 7 years extended fraud alert is currently reporting on your credit file. '' This is bogus because as you can see in the attached letter to Equifax, I was very specific and listed the name of the alleged creditor ( XXXX XXXX ), account number ( XXXX ), and the nature of my dispute ( PLEASE VERIFY AND PROVIDE METHOD OD VERIFICATION ). I am convinced that they can not verify this account, thus they continue to send me dunning letters. This is a direct violation of the FCRA and my Consumer Rights and I want this account thoroughly investigated with verification and the method ( s ) by which they verified. If they can not do that, it needs to be removed. I have perfect credit with XXXX and XXXX and have never had reporting problems with them. Equifax already has proven themselves to be untrustworthy among consumers and businesses alike with their data breach last year and I am convinced that they are not doing the right thing and it needs to be brought to light.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Financial Services, LLC
State: FL

Complaint narrative:
I have received several letters from various Debt Collection Agencies regarding XXXX XXXX University. I have reported many of them previously and have had my income tax refunds taken regardless. 

I recently received yet another bogus letter, dated XX/XX/2018, from an agency calling themselves Action Financial Services , LLC demanding a sum of {$12000.00} for XXXX XXXX University. On XX/XX/2018, I contacted the number listed and spoke with a XXXX XXXX and then a XXXX XXXX, who advised me they were actually from XXXX, an agency that previously tried to extort money and that I previously reported since they did not answer phones nor set up payment arrangements. All they did was threaten lawsuits and to withhold income tax refunds. 

For the past two years, my income tax refunds have been withheld by various fraudulent agencies and I am still receiving threatening and abusive letters. I requested proof of the debt and received paperwork that does not reflect any funds already taken. 

I am tired of the threats and disgusted by the corrupt and fraudulent actions by the agencies involved in addition to the US Department of Education and the IRS. 

In this case, XXXX, is not only harassing me they also admitted doing it under another company name of Action Financial Services , LLC. The debt amount can not be correct nor do I trust a " debt collection agency '' that does not answer their phones, does not set up payment plans and does not have an accurate amount. 

The education from XXXX XXXX University was never received. There is no completed degree. My Income Tax Refunds have been taken repeatedly yet I am still getting threats from several different agencies and for different amounts.

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 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX From XXXX XXXX XXXX XXXX ext. XXXX, representing XXXX XXXX, XXXX. sent me a written agreement to pay a charged off XXXX credit card. The settlement amount was {$2900.00}. The amount was to be paid making monthly payments that started on XX/XX/XXXX. I have made every monthly payment since beginning this agreement. On XX/XX/XXXX XXXX XXXX from XXXX XXXX ext. XXXX, called claiming the " verification of employment was now scheduled ''. When I returned his call I was informed that he was now collecting on the original XXXX account. He said he too worked for XXXX XXXX, XXXX and claimed I had not made any payments. After further conversation he said he was mistaken, I had only missed the XX/XX/XXXX payment. I had proof that I made that and all payments to XXXX XXXX at XXXX XXXX XXXX. He then told me that my current balance with XXXX was over {$3000.00}, which is more that the settlement amount that XXXX XXXX had given me in writing. He went on to explain that he " may '' be able to get me the same settlement amount but needed to know when I could pay the balance because this might help my case. I told him that his information was incorrect and that he needed to get everything in writing and send it to me. I have not received anything yet and do not want a lawsuit because of unlawful debt collection practices.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, My husband and I tried to use Experian to get our free credit score and report in XX/XX/2016. 

To use their free service, one must submit credit card number and agree to their free trial period, which can supposedly be cancelled anytime within the trial period without incurring any additional charges. 

However, when I tried to log on to their website to cancel my trial period, the website was inaccessible. Each time, my login failed, and when I answered all the security questions, those failed as well. Every Single Time. My social security number did not change, nor did my mothers maiden name. Yet Experians website claimed my answers did not match their records, so they could not access my account.

Subsequently, we have been charged every month for 32 months for a service that we neither desired or could even access. The charges started at {$21.00} per month, per person, but are now up to {$24.00} per month, per person. To date, we have been charged over {$1200.00} for a service that we never desired nor could access. 

When I finally called to request a full refund, I was told that I had agreed to all of this and a refund was not possible. 

Please force Experian to issue a full refund for my and my husbands accounts and also enact severe legal consequences against them for committing fraud against their customers. 

Thank you.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom this May concern, I am contacting you regarding some discrepancies with my credit report concerning my address and telephone numbers. I would like the following addresses to be removed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX XX/XX/XXXX I am also need the following numbers removed from my credit report : ( 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 ) 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 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants has been trying to collect a debt of {$320.00}, which on XX/XX/2018 I sent a letter disputing this debt. 
The Letter was delivered certified mail and signed for on XX/XX/2018. The credit report was never listed as disputed. I have retained a copy of the signature and date of receipt, as well as a time stamped copy of my credit reports. 
I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Diversified Consultants. Diversified Consultants had 30 days to comply or remove this from my credit report. As of this date XXXXXX/XX/2018 I have not received any such evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USAA to report a deposit that was put in my account on XX/XX/2018, the USAA reps were not able to identify who or where the transfer was from, they then locked my account and prohibeted me from access any of my own money. USAA then told me that it would be 2-3 business before I could have access to my account or my money. I made several phone calls to USAA and went to the XXXX XXXX and no one helped me to get access to my own money, even after I explained that I had no money and I had no other bank account. I explained that I could not wait 2-3 business days to buy gas, food and supplies. Despite the fact that this coming Monday is a holiday and will delay the broken process USAA has in place, nobody at USAA assisted me or attempted to give me access to any of my own money. Pentalyzing the victim is a crime in itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient refuses to honor the terms of my private loan agreement and place my account in Forbearance. After refusing to place my account in the student deferment I am entitled to as an enrolled student, and multiple formal complaints filed, I was informed by Navient representative XXXX XXXX that I was eligible for 12 months of voluntary forbearance. I stated I wanted to use my forbearance as my financial situation is difficult and I can not afford payments at this time. I completed all paperwork necessary and ( after more formal complaints ) a forbearance was applied to my account, but only for 3 months This forbearance expires on XX/XX/18. I again went through the hassle of applying for the forbearance in mid XX/XX/2018 as I need to use my full 12 months. I received a message that I needed to send a {$50.00} payment in order to have the forbearance applied. While I find this unreasonable and very difficult to manage, I still emptied my bank account to send this payment. Navient cashed the payment on XX/XX/18 but then sent me a notice on XX/XX/18 that my forbearance was denied because they " did not receive my payment. Not only has the check cleared my account, but Navient has posted the payment to my private loan in question. The payment was postd to my account days before the denial was sent. In contacting them again, I was told to call, which I believe is an intentional tactic to avoid having anything in writing, which they could be held to or used as proof to support any action against them. I can not call due to my work schedule, and even if I could, I do not trust the company to honor anything said given the long history of deception and dishonesty from this company. I believe this is an intentional deception to force extra payments on this account. This has been an ongoing problem with Navient and they consistently refuse to apply deferments and forbearance as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: OH

Complaint narrative:
Countless, time after time I have asked Experian to investigate not verify these accounts that are on my credit report. I keep getting the same old message that the accounts have been verified. XXXX is not a form of investigation. I have numerous accounts that have been opened in my maiden name. I been under XXXX for 23 plus years and still remain XXXX presently. I have reached out to the creditors asking to send me a signed credit agreement with my signature showing that I agreed to these erroneous accounts. There is also bankruptcies that Experian states was verified but I know is not true because bankruptcy do not report to third parties nor do they give out information via phone. Experian has constantly told me they will not reinvestigate my disputes which is against the law. Accounts have been removed and put back on without valid investigation. I have sent in I D theft affidavit, I made a police report years ago back in XX/XX/2012. I am at my wits end with Experian thinking they can do as they please. Experian has had massive data breaches and was never told. No one consumer should have to endure this foolishness with these credit reporting agencies, especially when the burden of proof is on them. Consumers cant provide any paper work or contracts if there was never one signed. Online credit applications should be banned unless proper identification is mailed in. XXXX XXXX and XXXX XXXX need to be removed. Till I can get this I D theft situation resolved and all these accounts with the last name of XXXX removed these accounts are : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, both total accounts, discover was removed and put back on without my investigation, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX. Please do not close my case and send a duplicate letter stating Experian is handling this situation. I have tried to resolve this with Experian and this is my last attempt before filing a lawsuit. I dont need cpfb to be the middle man I need cpfb to fix the situation asap for this is damaging my score tremendously. While disputing these accounts need to be removed by law. Do not put anything in my REMARKS column unless I authorize it. That is for the consumers!

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 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi, from XX/XX/XXXX until XX/XX/XXXX I was XXXX. I have contacted you while XXXX  to let you know that I should have absolutely nothing on my credit reports. My name is XXXX XXXX and my birth date is XX/XX/XXXX. I will like for someone to call me immediately so that I can clear everything off of my record. If anything is in my name it is a result of Identity theft. I can be reached at XXXX. As stated, I wrote, and talked to your company about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
This is my third complaint regarding USAA. There was a balance transfer to my account that should never have happened. There were fees charged by USAA. Eventually USAA reversed the bogus balance transfer. However they made duplicate corrections and reversals for fees and interest that resulted in a balance due of {$69.00}. The account balance should be XXXX. But, because of USAA 's incompetence and posting of duplicate charges and reversals, they show a balance due. I closed my USAA account because of their incompetence.

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