vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: TX

Complaint narrative:
Throughout the past several years I have received several letters stating I owe an unpaid debt for the amount of {$380.00} to XXXX XXXX XXXX  XXXX XXXX XXXX addressed to a person named XXXX XXXX XXXX XXXX. I have a similar name and can only assume that is why I am being sent the letters. Each time I have received the letters I have notified the collection company to inform them that I do not owe the debt as I have never lived at these apartments and that the letter is addressed to an individual with a similar name as mine. Each time I have been asked a few questions as to my identity and have been told the letter is for a different person and the letters temporarily cease. However, eventually I received other letters and would like the company to cease and desist all further attempts to collect this debt from me that someone else owes them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX, XXXX, Axcess Financial, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX, OneMain, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.

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 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX  and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank send an offer in the mail to get {$300.00} bonus money when i open a new checking account with direct deposit. bonus will be deposited within 10 days of direct deposit hitting the new account. After direct deposit hit, chase didn't deposit any {$300.00} into my account so i called the customer service line, i was told there in no incentive payment pending for me and they didn't see any coupon added to my new account when i opened it. i was told to contact the branch where i opened my account with. I contacted them and i was told the guy is with a client and will call me back. they took my name and number but no one called me back. the next day i went into the branch myself and spoke to XXXX the man who opened my account. he stated he didn't know what happen and he will have to get his supervisor to approved the bonus but his supervisor is gone for the day and will informed her the next day. i didn't hear from them again after couple of days, i called and spoke to XXXX and ask about my bonus, he said his supervisor will try and get it approved and now it's been almost 2 weeks and i haven't heard from them again and no money is deposited in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Associates Loan Servicing LLC
State: AR

Complaint narrative:
When I attended XXXX XXXX XXXX, I was unaware that they got a private loan in my name. I was under the impression that I was getting federal loans like the rest. I've called this company explaining the situation and they refuse to comply. Please help me. This is wrecking my credit. I've filed an FTC report as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CHECK INTO CASH INC.
State: OH

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CheckIntoCash, and XXXX  XXXX  IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # 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 2018-08-15 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: OH

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and TransUnion Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # 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 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I contacted care credit to see what the minimum requirements were for getting approval on an application. They could not provide me a credit score or debt to income guideline. They only stated that they could not advise a client of what was needed in the event that it deterred a client from applying. As a consumer I asked for the transparency of truth in lending and cfpb to please be recognized and provide the requested information. They refused. How am I, as a consumer, allowed to make a well informed decision on when to run my credit if the providing company will not share specific details that their system and underwriters are privy to? I would like a better response to this question or at least know if they are within guidelines to denied me this information. 

Thank you, 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 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS ALLOWING AN AGENT OF A DEBT COLLECTOR /BUYER TO BECOME A SUBSCRIBER AND CREATE A COLLECTION ACCOUNT BY CHANGING THE DEBT AMOUNT BY XXXX DOLLAR AND CHANGING THE NAME ON THE ACCOUNT TO THE AGENTS NAME BECAUSE EXPERIAN HAD PREVIOUSLY DELETED THE DEBT COLLECTOR/DEBT BUYERS ACCOUNT FROM MY FILE. 
THE ACCOUNT REPORTING ON MY FILE IS XXXX XXXX, ACCT NO XXXX.THIS SAME DEBT WAS DELETED AS XXXX XXXX, ACCT NO. 
XXXX. 
THE ORIGINAL CREDITOR IS 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 non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Dear Madam/Sirs : I have two credit cards with XXXX XXXX. I have been unable to pay due to reduction in income and no income over the summer as I contract with the school system. My issue is that they have started calling relatives in another state who are not on my credit cards or credit application at all. I am not sure how they got their phone number unless they researched my personal information to include relatives. I received a call from my uncle in another state - XXXX XXXX XXXX - who stated he had been receiving calls from XXXX XXXX. He deleted three weeks ' worth of calls, but I asked him to record them. HE IS NOT AN additional card holder but I had to check this on complaint in order to send this complaint online. As of now, XX/XX/XXXX, he has received a call on XX/XX/XXXX at XXXX XXXX at XXXX  and XXXX XXXX on XXXX. I feel this illegal activity on behalf of XXXX XXXX. Thank you. 

Sincerely, 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 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Went into XXXX XXXX in XXXX XXXX on XX/XX/2018. At check out I was asked by the manager of the store if i was interested in joining their new rewards card for an additial discount on my purchase. I asked if this was a credit card and he said no. the manager explained that it was a rewards card. He also said they do not run your credit and I did not need to provide my social security number. He went on to say he only needed my ID and phone number. I was under the impression my license was to get my name. He then said I was denied and I was confused as to why because this was a " points/rewards card ''. The next day XXXX XXXX  alerted me of a hard inquiry on my credit and then i received a letter from the XXXX XXXX XXXX  that i needed to contact them to process my credit application. This company is giving customers false information and doing hard inquiries on their credit reports without consent or using a Social security number.

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 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX, I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by XXXX  app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the XXXX bank and XXXX immediately. However, the costumer representatives told me that the transaction has been completed and they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report with experian shows an unauthorized enquiry from a company name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, md- XXXX on XX/XX/2018, i did not authorize them to pull my credit & would like Experian to delete this enquiry from them.

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 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by Ally app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the bank immediately. However, the costumer representative told me that the transaction has been completed and they can not do anything. 

As a five years ' customer of Ally bank, I am so disappointed about the it. If Ally bank can not protect their customers, I don't think anyone like to become their customer.

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 2018-08-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX18 my wife noticed a charge for {$1500.00} on our Chase credit card for a purchase from XXXX & XXXX XXXX. We had not placed the order, so we called Chase to inform them and cancel our cards. The purchase had been made on XX/XX/XXXX but did not post in our online account until XX/XX/XXXX, when my wife caught it. 

We still had possession of both credit cards, so whoever stole the information got it digitally. They also had my name and billing address, etc. 

Later, when Chase called to tell us we were going to be held liable for the charges ( we had assumed they'd cancelled the order when we filed the claim ) I found the order confirmation and shipping information in a junk email account I no longer use. 

The reason I no longer used the account was that on XX/XX/XXXX, my inbox immediately filled with hundreds and hundreds of junk email subscription confirmations. My phone and computer wouldn't stop *ding*ing with incoming junk mail. So I jettisoned the account, assuming it was some sort of prank. Turns out they used it to cover up the XXXX XXXX XXXX Order information that was ALSO sent to the inbox at the same time. 

I filed a dispute with Chase, explaining this to them. 
They just called to tell me that " the merchant provided sufficient evidence that the charges were not fraudulent. '' Because someone had signed for the shipment with my name. ie, accusing me of trying to defraud THEM by making a fraudulent fraud claim. 

Nuts. Context : I'm XXXX XXXX XXXX with a XXXX XXXX  clearance. If I commit fraud, I can no longer have my job. WHY WOULD I RISK MY ENTIRE CAREER FOR A CAMERA? 

I just found the shipping information for the package : The camera was NOT EVEN SHIPPED TO MY HOUSE, but to a XXXX in a different neighborhood. Someone signed for the delivery using my name, but I haven't been able to see the " signature '' they used. 

Chase, during their " investigation '' ostensibly saw that the shipping address was changed AFTER the order was made, somehow, and the camera was delivered to a XXXX XXXX. 

Yet they are trying to hold me liable here. 

We filed the fraud claim the day the charge posted. 
The camera was not even delivered, by anyone 's account, TO ME. 
My wife and I both still had PHYSICAL POSSESSION of our cards. 

And yet they are telling me I still owe them {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: NJ

Complaint narrative:
In XX/XX/XXXX this company contact me as a service provider for federal repayment loans. They presented themselves as an agency that works for/with the government to initiate a payment plan for student debt. A month later I received a notification that my extension for payment ( s ) was being revised. I called the company and requested the immediate cancelation for their services. That phone call went to three different phone specialist to try to convince me to stay. The last specialist appeared to be their last chance to convince me otherwise but I was very clear that if I wanted an extension I would ( XXXX ) file myself and I sure as XXXX would not be paying {$200.00} a month, every month. That is just ridiculous. Services were canceled XX/XX/XXXX and I did give them two payments of {$200.00} a month. Money was not reimbursed. I was contact XX/XX/XXXX by the FTC to warn me of this company. XX/XX/XXXX, Ameritech also contact me via mail to be contact.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/XXXX I attended XXXX XXXX School ( XXXX  ) XXXX, PA for an 18 month degree in XXXX XXXX. Later becoming XXXX XXXX College. 
Graduating in XX/XX/XXXX and the school closed in XX/XX/XXXX leaving me with no records and debt that was way more than they agreed to. As well as many empty promises such as employment placement. 

In XX/XX/XXXX I took a SUBSIDIZED CONSOLIDATION LOAN with AES for {$7100.00} as well as a UNSUB CONSOLIDATION LOAN {$10000.00} a $ XXXX loan will cost me {$34000.00} when its all said and done, for a school that no longer exists. 

I was looking to get some sort of relief from these loans, 5 % seems a bit much for a student loan. I have a great credit score, and I find it unreasonable that my rates are so high. 

Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I submitted a complaint with you. My main complaint is that the only documentation I received state " This communication is from a debt collector but is not an attempt to collect a debt. '' The collection agency even provided you with the same documentation. If they are not trying to " collect a debt '' then why did they call me incessantly for over 15 months? If they are not trying to " collect a debt '' then why did they report me to the credit bureaus? If they are trying to collect a debt, then they can send me a request to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has on XX/XX/XXXX that I have a too many delinquent past or present mortgage credit obligations as I have not had any mortgage since XXXX in which is in litigation and there is or any money owed to mortgage or after the Foreclosed the property was sold for more than I paid so there is no negative money owed and there are not any more present or past mortgage debt owed. Also Equifax has yet to mail out any updated report.

Company response to consumer: Closed with explanation