vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 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: AL

Complaint narrative:
There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.

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 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have repeatedly requested documentation for this alleged debt from LVNV Funding, but they do not respond. I do not have any record of this debt, although LVNV shows it as being from a period where my ability to manage my finances was reduced due to illness. I have offered to pay the full {$430.00} just to have it removed from my credit report, but LVNV does not respond to my offer. I am attempting to purchase a home and this entry by LVNV significantly impacts my credit score and my mortgage search.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
On XXXX 2017, I received notification I have a debt in my credit report for {$210.00}. Never was aware of the debt - never received a phone call or documentation to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
XXXX XXXX, 2017 - Remitly continued to process an unauthorized transaction. I requested my remittance to be cancelled instead and not proceed because I can not provide them with the additional ID that they are requesting from me. In fact during the transaction, Remitly suddenly put a review/hold on my remittance. They also sent me an email saying that there 's a hold on my transaction. The email said that they need some additional documents from me before they can move on forward with the remittance. So, I told the rep that I do not want to proceed anymore. I did not provide them with any other documents that they requested so I told the rep to just cancel the transaction instead. To my surprise, Remitly still processed {$160.00} out of my bank account even when I told them I want to cancel my remittance. Another thing also is that they still charged my bank account even when there is a hold on the remittance due to the pending review that they are doing. Honestly, I feel cheated, mis-informed and was taken advantaged of, most especially when I suddenly received a notification from Remitly saying that the money was already delivered to the recipient. Basically, Remitly delivered the money to the recipient without my consent. Remitly did not cancel my transaction even when I told the representative to do so. Remitly proceeded with the remittance without my approval and authorization. Now, the Remitly manager that I spoke with repeatedly told me that they can not do anything about it since it 's been delivered already to the recipient eventhough I never authorized Remitly to proceed with the transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: AL

Complaint narrative:
There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.

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 2017-08-02 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: CA

Complaint narrative:
This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for XXXX XXXX, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX  XXXX : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I respectfully would be honored to bring forth the mentioning complaint number and case number # XXXX which has been once filed with the Consumer Financial Protection Bureau on XXXX XXXX, 2016 at XXXX XXXX. Truly whereas today I am having the very same problem with Capital One Bank, and their banking practices that remains the same as before, and I had once more would like this said bureau to respond according to the complaint at hand because one year later the same issue exist the calling, the lettering, but yet their management team did not respond to my hopes and wishes to correct the problem within the following months from my original submission of informative concerns towards these unfortunate issues at hand then, and now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for Capital One, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} Capital One : {$620.00} XXXX : {$340.00} Capital One : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I scheduled my monthly payment around XX/XX/17 for XX/XX/17 when it was due. On XX/XX/17 I see it did not come out of my bank account. I reschedule payment for today ( it is around XXXX ). I contact 'chat ' with XXXX and they are no help. I am now being charged a late fee for a problem with their system where my payment was deleted.

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 2017-08-02 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: GA

Complaint narrative:
Hello my name is   XXXX   XXXX  . I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following  XXXX  bureau (  XXXX ,  XXXX , TransUnion ) to inform them that I have several errors on my credit report. I 've contacted all   XXXX    bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit.
1.  XXXX  2.   XXXX   3. TransUnion 4.   XXXX   5.   XXXX   XXXX   6.   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 2017-08-02 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: GA

Complaint narrative:
Hello my name is XXXX XXXX. I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following three bureau ( XXXX, Experian, XXXX ) to inform them that I have several errors on my credit report. I 've contacted all three bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit. 1. XXXX 2. Experian 3. XXXX 4. XXXX 5. XXXX XXXX 6. 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 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was surprised to find a much lower than expected balance in my business checking account. I was concerned that fraudulent activity may have resulted in unauthorized use of the funds in my account. I spoke to my bank and was told that with all pending and processing transactions I had an available balance of {$200.00}. I thought the balance was significantly higher. Though I was departing on vacation, I was confident that further fraudulent activity, or any further withdraws for that matter would be impossible due the fact that I had not affirmatively opted in for overdraft protection for ATM and debit/pos transactions. The logic being, even if someone did have my information that the bank would not authorize any subsequent transactions because after an ATM withdraw of {$180.00} my available funds should have been less than {$20.00}. I confirmed with my banker that I was not enrolled in overdraft coverage either through a connected account or the more common {$35.00} fee per transaction. I was shocked to see upon returning from my vacation that my account had a balance of - {$1100.00}. Not only was I unprepared for the overdraft fees associated with the transactions that brought the account negative I was confident that any transactions ( some of which do indeed appear fraudulent ) would be able to be debited against my available balance. This has left me in a dire financial situation. I went into the branch and confirmed that overdraft coverage was indeed not authorized on my checking account and the banker could not explain why the transactions ( which were charged {$35.00} overdraft fees as well ) were authorized. This is very distressing since I made financial decisions as well as a decision to postpone assessing prior transactions on the reasonable assumption that my account would not be charged anything past my very low available balance. This has left me in a difficult financial situation made even worse by the fact that any deposit made by me must first be used to pay off a negative balance and associated fees. Furthermore, my banker can not tell me why or how these transactions were authorized. This means I literally only have the downside of overdraft coverage and none of the benefits.

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 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express sent me a credit card which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express promised that they would give me an explanation on how they came to their interest total, and yet they did n't tell the truth and sent a letter that just explained they were correct and that I 'm supposed to look at the Cardmember Agreement. They actually stated to me that they 'd provide me with a detailed account on a daily basis as to how they got {$53.00}. This letter is exactly what I had asked them not to send. I 'm frustrated with this bank and they should be absolutely investigated for racketeering. Here 's the breakdown of my calculations. The cycle in question was between XX/XX/XXXX and  XX/XX/XXXX. The Purchase Balance is in a promotional state until late XX/XX/XXXX, so 0 % interest is applied until then, so that wo n't be listed. The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate. The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XX/XX/XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance. As of XX/XX/XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XX/XX/XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XX/XX/XXXX, the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}. So, you have ... Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2300.00} for 8 days Cash Advances Balance on XX/XX/XXXX : {$2200.00} for 1 day Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2400.00} for 2 days Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}. Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total  interest charge of {$53.00}. Their interest total was {$53.00}, a XXXX cent overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Initially when I got out of college me and my cosigner were harassed and then while I was struggling my mother agreed to help me out then we learned about forebearance forms a year after and we used those to help me buy some time and ease the burden off of my mothers payment. We asked if we could lower my loan payments and it was met with we need to pay a certain amount to lower my payments. Now fast forward to around XX/XX/XXXX/XX/XX/XXXX we finally got access to lower our payments and put into this 13 month program and we talked to mycosigner and me and my mother were told that we will be paying on my debt and now the phone calls have stopped but we are still getting mail from navient saying we owe more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I tried for a few years to lower my student loans.i was in a work accident a year and half ago, I tried getting my payments lowered but I did not have any taxable income because I was getting workers compensation.so I had to do another forbearance..And now I am trying to do a hardship, and I mailed them application and my tax information because I do n't have a computer to print out pay stubs..i tried many attempts in the past to lower my payments with no luck..i complaint to department of education and they wo n't help me.. Since I could not afford the payments and no body will help me then I ca n't pay them..Navient is a scam and dept. Of education does not care.. Thanks XXXX XXXX

Company response to consumer: Closed with explanation