vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXX  -- XXXX XXXX  XX/XX/XXXX 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 2020-02-16 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: FL

Complaint narrative:
I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: Colony Brands, Inc.
State: MA

Complaint narrative:
XXXX XXXX claims that I included the account that appears on my credit report in ch XXXX bankruptcy, first of all that is not the proper way of verifying an account, I asked this company to provide me with the original contract bearing my signature. I dont want to hear what they have to say about a ch XXXX bankruptcy, this account was opened in XX/XX/2013, and it is being reported as XXXX XXXX. As it is required by law and by the FCRA also, I demand to see the original contract that shows my signature in wet ink, where is says that I opened this account and that I ever had a contractual obligation with this company. If this documentation is not available, I demand that this company tells the credit bureaus to delete the account from my credit reports. By law my signature is required for every account that is showing on my credit report and I demand to see the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
Throughout the years, I have struggled to pay down my student loans when the interest is preventing me to do so. I am making payments over my minimum payment and the balance continues to grow - because the interest is so overwhelming. 

I can not get anywhere near the principal loan - and with the thousands I've paid over the years, my loan balance has increased by thousands as well. I'm up to {$65000.00} in student debt, even though I have been paying for years, to no avail. I am a teacher - I took out loans to advance my degree in order to get a better teaching job - but now, I'm barely able to make ends meet with trying to pay my student loans, which keeps increasing. 

I have reached out to Fedloan Servicing - the response has been deplorable. There is no relief from the company and they are not able to help when it comes to the amount of interest being placed DAILY on the accounts. 

The interest rate is criminal - and the company is making money off the backs of students who are trying to get an education to better their lives. There must be something done for those who are loyal payers to their student loans - but are unable to break through the interest to actually pay down the principal. 

My disgust for this company and the federal government allowing loan servicer to take advantage of students is ever growing. The debt is crippling and being a teacher, there will be no way for me to ever pay this off as long as the company continues to be allowed to put interest on the accounts daily. Something has to be done - these companies need to be held accountable - even if it means their CEO 's have to take a break from their luxury vacations on the backs of hard-working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
RI received a notification in the mail XX/XX/20 regarding a debt collection that I have no idea who this is and where it's from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/26 I opened a savings account with Capitol One that had a {$500.00} bonus. In the terms it stated - " To earn a bonus your account must be funded with at least {$50000.00} in new money from an external bank within the first 10 days of account opening ( Initial Funding Period ). You must maintain your daily balance for the first 90 days following the initial Funding Period. If we determine you satisfy the eligibility requirements, then we will deposit the bonus money into your account within 60 days following the 90-day balance maintenance period. '' There were no other requirements shown on my confirmation page, I have screen shots ; and the email confirmation I received from them said - " XXXX, Way to go! You made a smart choice to open your new 360 Money Market account from Capital One. And dont forgetsince you opened your account with promo code XXXX, you have the opportunity to earn a cash bonus. '' This email also confirmed that I had opened my account using this promo. I followed all terms but 6 months later I realized that Capital One had not deposited the bonus into my account so I contacted them on XX/XX/XXXX, they confirmed that I made the initial funding period and said they would look into it. On XX/XX/XXXX I had not received any response, nor funds, and called Capitol One again. The representative said that I was not eligible because in the 90 's I opened a joint account with my then underage niece with ING direct ( a bank Capital One apparently absorbed ) which somehow made me ineligible. This is just plain wrong, and clearly a bait and switch situation! Capital One held onto a large amount of my money under the guise of a promotion for greater than 6 months and now refuses to make good on their promises. Had they contacted me and told me that I was ineligible at any point prior to the 6 months of having my funds, I would have withdrawn them immediately and understood, but that would have affected their bottom line and made them seem honest. The treatment I received was completely unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Amazon 's store credit card ran by synchronycredit automatically applies a 'credit security ' on your card every month which is a % of your amount on the credit card for the month EVEN IF FULL PAID EVERY MONTH. This was turned on via hidden terms I'd assume since I never received email or letters on this. They do not alllow you to use live chat to cancel this and it is difficult to talk to an actual human. It is extremely shady and disrespectful to their customers.

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 2020-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/2020, I tried logging onto my Goldman Sachs Marcus app on my phone to check my balance. Upon trying to log in, an error message appeared stating that my account had been temporarily locked and I would not be able to log in or have access to my account until I called Goldman Sachs Marcus to unlock my account. 

I immediately called in. I went through the security questions and was then transferred to an employee named XXXX who works in the Fraud Department. I was informed by XXXX that there had been a security incident on XX/XX/2020 and that a small number of clients accounts had been compromised and that some of my personally identifiable information could have been compromised and therefore my account had been locked. 

I then asked why I wasn't notified via email/phone/mail that my account had been compromised/hacked as I should've been notified immediately so I would be able to update my passwords to all accounts and monitor more closely for any potential fraudulent activities. To my understanding, it is a requirement of Regulation P that there is a certain window of time where I must be notified by the company if a privacy event has occurred and I wasn't notified at all. I had to log into my account and then call in as my account was blocked to learn that my account had been hacked and my non-public personally identifiable information had been compromised. 

I then requested that XXXX, the Fraud Department employee, follow up with his supervisor regarding this privacy matter as he was not available at the time and that his supervisor would need to follow up with me to understand why I wasn't notified and if my NPI had been compromised. I was told that I would be contacted within 24-48 business hours from today, XX/XX/2020. 

It is highly illegal and a regulatory violation to not notify customers of a privacy breach. I am now having to update all of my passwords and closely monitor my credit report to make sure that none of my other accounts were compromised. Banks/Companies need to be held accountable for managing people 's NPI and when something does go wrong there are consequences for their actions/inactions. 

To restate, my Goldman Sachs Marcus Savings account was hacked on XX/XX/2020 and my account was then locked on XX/XX/2020 ( according to XXXX ). I then tried to log into my account on XX/XX/2020 and was not able to as it was locked and then I had to call in to get in unlocked and was alerted by the Fraud Department that my account had been hacked. I wasn't notified at all by Goldman Sachs that my account had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TX

Complaint narrative:
Experian did not remove inquiries that were dated for removal of XX/XX/2020. They completely ignored the inquiries. Also, the Dept of Education loans should state deferred with 0 monthly payment which they have also refused to correct. They closed them before by error and had them listed as paid off. Now they have only open, missing deferred and it still has a monthly payment. I want this addressed immediately but they turn it into a 30 day investigation for items that have already been disputed. These inquiries should immediately be removed and accounts updated!

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 2020-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I check my credit bureaus every month to ensure accuracy. This month the credit bureaus are reporting for the first time an open account with PayPal credit. I have no such account.

In response, PayPal has told me that I do have an account with them open for several years ( although with a XXXX balance ). This is not possible as evidenced by the fact that never in the past decade has such an account been listed by the credit reporting agencies.

To close an account, PayPal requires a phone call to a live representative. When I did so and explained the situation the representative told me that they would investigate the account as fraud and that the account would remain open until the conclusion of the investigation. I explained that I simply wanted the account closed. I was told I could only do so by verbally acknowledging the account was valid while I was being recorded. 

The fact that one of the largest online entities on the globe will allow an account in their name reported online on their website but refuse to allow online account closure by the consumer underscores the deceptive nature of their business practices -- the company opens credit without notice or authorization and then makes closure of the account more difficult.

PayPal says it has closed my account.

I urge the CFPB to institute an investigation into the credit lending practices of PayPal 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 explanation
Consumer complaint received 2020-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: CA

Complaint narrative:
A company of helping to buying homes ran my credit by error when they put my information instead of someone elses information. This happened on XX/XX/2019. I called them to find out what happens to why I had my credit score checked and they said they had done it by accident. I told them I wanted my credit check to be removed. It is still there.

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 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WY

Complaint narrative:
I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
Since XX/XX/2019 I have been involved with an ongoing dispute with Sagestream LLC. They provided information that caused me to be denied a loan. They have not answered any of my questions satisfactorily, they have used legal jargon to obfuscate the true meaning of there intentions, and they have shirked responsibility at every point possible. Recently, they denied giving me any information based on the fact " My identification I sent them was blurry. '' They had my phone and fax number so they could have contacted me using either of those to tell me my identification wasn't acceptable but they chose not to which leads me to believe they are deliberately and maliciously withholding information from me and I accuse them of which. In their responses they keep stating : " SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors ''. however this is affecting my life due to the fact I have been denied credit based on the information in their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc
State: WY

Complaint narrative:
I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Dear Ombudsman, Hereby, I am making a formal complaint about money transfer made from XXXX  account on XX/XX/2019 in amount of XXXX USD to my client in Citi Bank NY ( transaction file from my bank 1st attachment ) : Beneficiary Name : XXXX XXXX XXXX  XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX : Surprise Beneficiary Country : US Entity Type : company State/Province : AZ Zip Code : XXXX XXXX : XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX   XXXX XXXX Unfortunately I wrote incorrect XXXX number XXXX which is for private clients and in this case it should be given XXXX number for small and medium companies, what I found out after the transaction has been done and I couldnt cancel it after that. 
XXXX  agent ( from my bank ) on chat gave me additional information from banking partner about this transaction like below, and wrote that Citi Bank NY is still holding the payment 2nd attachmend Trace ID - XXXX The transfer was sent from our payment processors banking partner account details. 
Account number XXXX XXXX Routing Number : XXXX I have contacted Citi Bank US and they said that they arent able to help (??? ). As far as I know, holding money in this case is illegal. I want my money back, and Im asking you to help me in this matter. 
Looking forward for positive feedback, Best regards, 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 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Mgmt ( My XXXX app labels it asa SCAM ) continues to call my number up to 12 times daily seven days a week using multiple numbers. I do not have a collection with this company! No messages ever left ... just silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 Chase closed down all of my credit card accounts personal and business. the given reason I received in a letter was, that there was unexpected activity on my account. however I feel this was done purely out of discrimination against me. I had have a relationship with chase for many many years and I never ever failed to make a payment on time, the closing of the accounts really hurt me and having spoken to numerous managers of chase no one was able to help me

Company response to consumer: Closed with monetary relief