vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-10 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: CarMax, Inc.
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
I purchased a XXXX XXXX Card in the amount of {$200.00} on XX/XX/XXXX I registered the aforementioned prepaid card in my name on XX/XX/XXXX by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. 

The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 Around XXXX XXXX I called Bank of America to redeem my XXXX cash rewards. My current statement balance is XXXX the representative told me I could redeem my cash rewards towards my balance. Then I requested to pay my remaining balance of XXXX dollars And some change ( the XXXX rewards money was XXXX and some change ) little I knew the representative told me no I still responsible for the minimum payment which is XXXX. I asked how I am responsible for XXXX when my balance after applying my cash rewards is only a little more than XXXX dollars ... he went on and on I requested a supervisor .... then The floor supervisor before he LAUGH AT ME told me the same thing. After feeling extremely disrespected I also found that their ads regarding " cash rewards usage " its HIGHLY MISLEADING ... .. Bank of America doesn't tell customers that you can not apply your cash rewards towards your balance .... they use it as a credit then in the next statement " '' they still owe you money " '' which appears as what they call a " credit '' .... thus it is misleading that they tell customers " '' YOU CAN USE YOUR CASH REWARDS HOWEVER YOU WANT " '' '' It is just wrong that I owe less than XXXX dollars and they make me pay XXXX to owe me money for next month.

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 2018-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. 

I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX  does not conduct a thorough investigation on account submitted by Navy Federal Credit Union reporting a failure to pay on XX/XX/2018 that involves a fraudulent credit back to Navy Federal Credit Union deposited by XXXX XXXX XXXX , XXXX My minor child was connected to all accounts and currently has her account in good standing. Navy Federal Credit Union in XXXX Maryland made a bad deposit and/or was unable to recover funds from XXXX XXXX XXXX that has nothing to do with me. Navy Federal Credit Union failed to perform a thorough investigation on said account ; If so the person that made deposit would have been notified which was a US Marshall. 

Both XXXX and Navy Federal Credit Union does not investigate their own errors. Both companies use XXXX to monitor my consumer activities in a fraudulent manner. Not sure why they follow rules to damage credit but negligent on resolution from day 1 of any dispute I've sent and/or inquired about over 4 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX Current Amount XXXX XXXXDiscount Offer {$2200.00} Address XXXX XXXX XXXX XXXX , Ml XXXX Telephone number and Name XXXX XXXX XXXX Request for my payment in a letter No Telephone ANSWER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...

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 2018-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: VA

Complaint narrative:
About XX/XX/XXXX I began working toward filing a request for an IDR plan with Great Lakes Borrower service. They had contacted me regarding an upcoming payment to be made in the amount of {$1000.00}. This is far more than I can afford right now so I went onto their website to attempt to file for an IDR. I was told I qualified for an income driven repayment plan and was directed to studentloans.gov where I began to process my request. Part of the way through that application it sent me to irs.gov where I encountered my first problem. There was some problem with the irs.gov form submitting my information. As it was only a few weeks until my due date, I did not wish to rely on paper mail. So I called Great Lakes, figuring I must not be the first person with the problem. The person on the phone did not even let me finish explaining my problem before telling me just to download the app. She said that if I submitted my request on the app I could use images of my paychecks as proof of income and not have to worry about issues with the irs website. Wonderful. So I downloaded the app and submitted the requested documents, proof of payments over the last 90 days. The service told me that my documents had been accepted and that if they needed additional information to finalize my IDR plan request they would contact me. Today, the day BEFORE my payment was due, I logged in online just to ensure that everything was properly set up, only to discover that Great Lakes had never finalized my IDR, or perhaps they did, their website is so misleading I'm not sure, and they are already processing a payment for {$1000.00}. I was told that my lDR payment would be about {$120.00}. I am a XXXX XXXX XXXX, there is no way I can afford to pay over a thousand dollars a month for anything, let alone a loan which will qualify for forgiveness after 10 years of payments. I tried to contact Great Lakes, somehow they are able to process my payment on a non business day but are unable to answer the phone. I feel as though they have on their website, on their app, and through personal communication attempted to mislead me about what I needed to do to re-new my IDR. I have submitted a complaint with them as well, requesting a refund on the incorrect and early payment or that this payment be applied toward future payments. They are a horrible service, and if it is possible for me to finance my loans through someone else, I would like to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America refused to communicate with my attorney ( who I was forced to hire because they also refused to communicate with me ) for over a year to negotiate a mutually beneficial and reasonable settlement on the balance I owed them on their credit card. BoA has incorrectly reported delinquency dates and balances to all three credit bureaus for the past XXXX years even though I closed out the account in XX/XX/XXXX. This malicious reporting needs to be removed from my credit report immediately as it is preventing me from qualifying for a mortgage.

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 2018-02-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Re : Case # XXXX ( which also see ) Chase has not responded appropriately to this complaint of the erroneous charge to XXXX XXXX for a gift card : 1. ) In my initial disputed charge report by telephone to Chase I was told to contact XXXX XXXX to have the {$24.00} charge reversed. I explained that I had no contact or relationship with XXXX XXXX and that therefore they would have no information about me or basis on which to reverse the charge ; that the error was made by XXXX who would have to reverse the charge, whom I had contacted and whom had not responded, and whom Chase would have to therefore contact for the dispute. 
Nonetheless, I did contact XXXX XXXX, who, as I had said would be the case, had no information about me or my CreditCard and therefore had no way to be able to reverse the charge. 
2. ) Chase sent for me to fill out a form which is irrelevant to the billing error which was made ( as explained to you in the Case # XXXX and above ) and therefore the form is useless for the disputed discription. 
3. ) A representive from the Chase exectutive office, XXXX XXXX ( XXXX ) XXXX XXXX left a message on my ( unlisted, private ) phone on Monday, XX/XX/2018 requesting I return her call. I have subsequently called back leaving a message for XXXX XXXX XXXX times and to date, Saturday, XX/XX/XXXX, XXXX XXXX has not returned my call. 
4. ) I have spend a great deal of time trying to resolve what should have been a simple matter. The bureaucratic run around by Chase has prevented a timely resolution, to wit : That Chase would not follow up in an appropriate way after I fully explained the situation, that Chase continues to deal with the matter in an ineffective if not just plainly incompetent manner, and most of all, XXXX XXXX 's not following up with any resolution and flagrant discourtesy in not returning my calls to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with response from Experian response ; Bankruptcy has been verified with US BKPT CT TX XXXX ( The Bankruptcy Courts ), which is not true because The Bankruptcy Courts does not verify credit information. Experian will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I contacted Sterling Talent Solutions in an effort to understand what information on a background check they provided to XXXX   caused XXXX to disengage me from their platform. On XX/XX/2018, Sterling responded, requesting personal information from me so that they would be able to retrieve a copy of this report. I provided them with the information requested, and have attached a copy of the e-mails I sent to them. I also attached a copy of my California driver 's license. 

Sterling seemingly found the information sufficient so as to release a copy of the report to me. The envelope arrive yesterday, XX/XX/2018. To my surprise, Sterling had not sent me a copy of MY report ; instead, I found a copy of another driver 's confidential background check ( copy attached ). 

I have reached out to both XXXX and Sterling to make them aware of this breach of the other person 's private information and confidentiality.

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 2018-02-10 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: IL

Complaint narrative:
New public record/ child support law took affect XX/XX/2017 since then I have been writing, faxing and calling in to get items that are reporting to my credit bureau file invalidly removed and XXXX  and Experian have refused to compile with states law. IL Dept of HC and  Family services is child support which is reporting invalid account status, dates, amounts and to my knowledge is not suppose to appear on files any more because account does not have any contractual agreement for services or products offered and XXXX XXXX XXXX is not my account I do not recall having any services or contract with this company. Other account that appear on Experian only that need to be removed in addition to the two mentioned above are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
XX/XX/XXXX made an on-line purchase at Walmart.com. It was offered, at check-out, a {$35.00} credit if I opened a credit card. I got the credit card this day because of the Promotional Credit. Called Customer Service on XX/XX/XXXX regarding the {$35.00} credit promotion ; was told this would take 1-2 billings cycles. Called on XX/XX/XXXX & talked to XXXX, she stated this promo credit was never applied so she would push this over and it would show up in 4-7 business days on my account. Called on XX/XX/XXXX and talked to XXXX, she stated this credit would show up in another 1-2 billing cycles. Think this is a scam, and they are not ever intending to issue the advertised Promotional Credit. If a consumer didn't pay their bill on time, they would be charged interest. Walmart/financial institute for the credit card should have to pay interest for their false promotional credits.

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 2018-02-10 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: Credit Karma, LLC
State: NY

Complaint narrative:
I have never signed up for emails from Credit Karma.

Credit Karma sends me frequent unsolicited and deceptive/incorrect emails alleging that my credit score has decreased, that I have missed payments on accounts that I do not have, that I have opened new accounts that I have not opened.

I understand that Credit Karma earns revenue by showing advertisements for financial services ( such as credit cards ), so I have avoided responding to their emails because I have not solicited their services and do not wish to provide revenue to a firm engaged in these types of business tactics.

Company response to consumer: Closed with explanation