vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On  XXXX   XXXX ,    2017  I received an email from my personal  XXXX  account that a trip ( Itinerary #  XXXX  ) had been booked on  XXXX  trip was booked from  XXXX  to   XXXX   XXXX    for  XXXX ,    2017  through XXXX   XXXX ,  2017 . I immediately went into my  XXXX  Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in  XXXX  from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my  XXXX  old daughter  XXXX   XXXX  and her  XXXX  old boyfriend  XXXX   XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is  XXXX  old and unable to travel alone. I was advised b y the Supervisor   XXXX   (   XXXX   )  that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges.  XXXX  said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken.     I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called  XXXX  on  XXXX / XXXX / 2017  and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.

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 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I think it is Very unfair that I am not able to apply EXTRA payments to my principle balance. I emailed asking how I can do this and this is the emailed response : Dear  XXXX  : Thank you for contacting   XXXX   XXXX  .         The interest on your loa  n ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). Each payment will be applied the same. First, it will be applied to any interest that has accrued since the last payment, and then it will be applied to principle.
We do allow due dates to advance one month. We can place a note on your account that will prevent additional payments from advancing th  e due date. If you would like this applied to your account, please respond with this request.         We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at  XXXX .         Sincerely,  XXXX   XXXX  Customer Service This should be illegal. How come I am not able to apply towards JUST the principle on top of my monthly balance that goes to interest and principle. I should have that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: NJ

Complaint narrative:
: I have medical Insurance and they refused to take down information. Please advise to charge :   XXXX   XXXX   XXXX   XXXX   XXXX   Member ID   XXXX   XXXX   Member   XXXX  Provider  XXXX  9091 Dental   XXXX   Pharm/Hosp   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a letter from portfolio recovery associates stating I owed {$2300.00} to  XXXX   XXXX   XXXX  llc. In that letter I was threatened with being sued and wages garnished. To prevent this I set up a payment plan for {$53.00} per month which I pay and have never missed. I cal led 3-4 times recently to see about a settlement, this company will only settle for a % of the remaining balance not the total balance. I offered {$400.00} to be done with this account and was refused, they offered {$640.00} 40 % remaining balance. I do n't see how this is fair collections practice, most collection agencies will settle for 40-60 % of the  amount but they refuse. I settled another account for about half what i owed, I 've already paid them over half current balance {$1000.00} with a pending payment {$53.00}  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
I believe I have been a victim of identity theft and I attempted to dispute this information with the  XXXX  credit bureau. The items I have disputed do not relate to any transactions that I made or authorized. Pursuant of the FCRA and the FDCPA, I now exercise my lawful right to question the validity of these debts your agency claims I owe. I understand the collection agency is suppose to suspend all collection activity until they provide me with some info abut this debt. Through my dispute with   XXXX   they claimed this account was proven as valid and remain on my credit report without providing me with any information about the debt such as an original bill or something with my unique signature on it. I dont believe   XXXX   is truly investigating these disputes and are playing with consumers ability to obtain credit. I am just now realizing the importance of credit which is why I am just now going over my credit report and for these companies to play with consumers livelihood like they are doing is just not right. The information that I am concerned about is as follows ; Collection agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX    XXXX   XXXX   Opened :  XXXX   XXXX ,   XXXX   Balance : {$230.00} Collection Agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  e Opened :  XXXX   XXXX ,   XXXX   Balance : {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: MD

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND MY ADDRESS PRIOR WAS XXXX XXXX XXXX, XXXX, XXXX, XXXX. I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED XXXX, TRANSUNION & XXXX AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO XXXX XXXX, TRANSUNION XXXXTHREE TIMES ALREADY. I UPLOADED REPORT TO XXXX AT XXXX. I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

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 2017-04-26 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: MD

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX , MD,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX , SC,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED   XXXX   XXXX   & EXPERIAN AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO   XXXX   XXXX   XXXX    XXXX   XXXX  ALREADY. I UPLOADED REPORT TO EXPERIAN AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

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 2017-04-26 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: FL

Complaint narrative:
Experian is  continuously reporting inaccuracies on my credit file. I have tried several times on their website to report these inaccuracies with supporting documentation but they will not look at or follow the law. Under FCRA 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i they are supposed to provide me with " PHYSICAL, '' proof of their investigation, not speculating by just saying " verified, '' " remains, '' and " Meets requirement of the Fair Credit Reporting Act. '' That is n't a form of verification. No where in the FCRA does it state that is how you verify the items. I have asked to see contracts, contact information of who they spoke with from each inaccurate account and they still do not provide any of that information. None of these accounts have even been properly investigate d and they are breaking the law!   Attached is my dispute with all relevant information to each inaccurate account and inaccurate personal information.

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 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUDIT SYSTEMS,INC
State: NJ

Complaint narrative:
XXXX     2017   XXXX  Never dealt with account, account/ company unknown / fraud

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a sing le mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs t o be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.

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 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
This is a continuation of my previous complaint #  XXXX .  Nelnet  did not explain why my loans are being reported as  XXXX  different accounts on my credit report. They claim there are  XXXX  accounts. I uploaded a copy of my credit report showing  XXXX  accounts and did not receive an y further response from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: CA

Complaint narrative:
XXXX / XXXX /   17  - Applied for revolving credit form  XXXX   XXXX  /   XXXX    XXXX / XXXX / 17  -  XXXX   XXXX   ( via letter ) de clined my request stating the report they received from Experian shows my total credit obligations when compared to the total annual is too high  XXXX / XXXX / 17  - Spoke with  XXXX   XXXX   XXXX   XXXX  and was advised that Experian is reporting my total monthly credit obligation is : {$8400.00} + This is incorrect. In-fact, my total credit used a nd total credit obligation within any given month for the past several years does not exceed a couple hundred  dollars  XXXX / XXXX / 17  - Send a letter to Experian to dispute the erroneous reporting  XXXX / XXXX / 17  - Filed dispute with CFPB

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 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
I got behind in my vehicle loan beginning with the  XXXX  payment. I scheduled  XXXX  months of payments to come out on Friday  XXXX   XXXX   XXXX  . I had an issue with my other car loan with a repossession and had to get the vehicle back so my fianc could work. I paid almost {$2000.00} in fees for  XXXX  with them. Then they took out {$650.00} unexpectedly on my account at the same time  First Investors tr ied to take their payments. The bank paid the lower amount  XXXX  {$650.00}  ) and returned the First Investors payments. I am distraught and confused. I called First Investors as  soon as I realized what happened  XXXX  prior to them receiving the returned payment ) this morning. I was told that I do not qualify for a deferment based on having  XXXX  in   XXXX   of last year. Also, if I do not have a payment in by the end of  XXXX , they will send me a harsh letter demanding {$1400.00} from me or repossession. There is nothing they can do to help me per my account  XXXX ,  XXXX . Now, here 's some background and frustration . First Investors is a subprime loan lender who banks off of people in despera te measures trying to get a loan so they can work and have transportation. With my interest rate and payment amounts of {$510.00} a month, I am paying more than 3 times what the vehicle is worth. It 's highway robbery and they can not help their customers more in these financial situations? They have to understand that their customers are paying 3 times as much in monthly payments as a normal consumer would. I understand these loans are risky but at the same time, but {$510.00} a month for my vehicle is outrageous. I was promised when I got to the car that I could refinance for lower payment and now that is definitely not the case.

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 2017-04-26 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: FL

Complaint narrative:
XXXX / XXXX / 2009 . I have disputed the issue with credit bureau to determine with account on my credit report is orginal or duplicated.

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I purchased a mattress and box spring from   XXXX   XXXX  . They use Synchrony Bank for their financing. The cost was {$4700.00}. My payments are due on the  XXXX  of each month. I have been paying my bill almost a month early since the first month the bill was due. I do n't like having debt. On  XXXX   XXXX ,  XXXX  I received a message to ca ll Synchrony rega rding a past due bill. The call was answered by a non English speaking woman, so I asked to be transferred. I then spoke to a man who said he was in the collection department. He told me I owed {$220.00} the {$27.00} was the late charge. I then read him the dates and validation numbers for each payment. He told me that he could see the payments and that it is my fault because I pay ahead of time. He said he took the late charge off and brought my account current. I did n't get the feeling that he really did what he said and then I began to worry that th e may have re ported me to the credit bureau. I called back and again spoke toe supervisor who proceed to again tell me it is my fault and that he would n't even brother to see if I had been reported. He also told me he did n't even care if I paid my bill. This bank needs to change their computer to accept early payments and train their people to be customer friendly. From the comments I see, they really need to be put out of business. Please help me correct my problem before they destroy mu credit.

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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have been given the run around  and I conti nue to dispute and report this debt as not being mine, but I 'm still having the same issue. After 5 years this debt has still not been removed, and I need this removed and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
90 day Late payment by cap ital one a uto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On   XXXX     I received a letter from the original creditor   XXXX   XXXX   stating that the following accounts  XXXX  and  XXXX  were both apart of fraudulent accounts and that they would be removed from my accounts. I was over joyed with excitement when I seen the accounts removed from my  credit score. But Portfolio Recovery  XXXX .  Is n't budging they I assume bought the debt from   XXXX   XXXX  . I sumbited the paper to the credit bureau to have all the accounts regarding those debts deleted.  One account    XXXX  is {$680.00} and  XXXX  {$700.00} as it shows on my credit report. I feel as if the original creditor found it fraudulent then I should n't be responsible for the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 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: Encircle Collections, Inc.
State: PA

Complaint narrative:
Over the last couple months, I have tried to have this collection account removed from my credit report. It is paid in full. I have emailed, called and left voice mails and mailed letters to have this removed. I have not received a response. I talked to the original creditor I owed the debt, and they said it should have been removed. Please, I just want it off of my credit report.

Company response to consumer: Closed with explanation