vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 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:
I have written to all major credit reporting agencies ( XXXX, Experion, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be 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 explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I am being harassed daily by a company about a car, I know nothing about. I'm a victim of identity theft. I'm getting calls of them threatening to come to my job and residence and garnish my checks as well. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2016 a credit card was opened in my name thru XXXX XXXX XXXX. Card was used and maxes out to the limit which was {$300.00} I believe. Total charge amount is {$430.00}. I did not open this account. Someone had my info and opened it. The account was closed in XX/XX/2016. And left on my credit report to damage it. Please fix this for me. Thank you

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 2018-11-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
XXXX online college scammed me out of student loans and Pell grants I never received and now being charged {$300.00}. The account was removed from my credit report and then put back on my credit report all within a couple months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
On XX/XX/2018 a XXXX  XXXX XXXX XXXX was purchased by me at XXXX  XXXX in XXXX MA. 
On XX/XX/2018 I read the entire purchase contract & realized that there was an item on the contract that I was not made aware of, or agreed to purchase. The item is XXXX XXXX & the amount is {$1100.00}. The whole amount is taxable. I expected that I could correct this oversite with the dealer so I attempted to do so on XX/XX/2018. I went to XXXX XXXX in XXXX MA to discuss this item with the sales manager who then transferred me to the finance consultant. After stating my position of " nondisclosure '' of the XXXX XXXX charge to my contract, the financial consultant admitted that he had " packaged '' the XXXX XXXX item along with an Extended Service Warranty in order to provide me a discount on the Extended Warranty. However, on XX/XX/18 he told me that the discount for the extended warranty was because I had an XXXX membership & he said nothing about " adding on '' the purchase of XXXX XXXX in order to discount the extended warranty. His parting words to me were, " you signed the contract ''. The company has made no attempt to correct this unscrupulous sales practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
This complaint involves Reliant Capital Soutions LLC and  the company 's mishandling of consumer information ; rights in which are protected under privacy laws. I've been repeatedly contacted by Reliant Capital Solutions to whom I've never done business with and every phone encounter they providing misleading information regarding the nature of the call. This complaint has been generated due to Reliant employee mishandling my social security number without ever verifying who I was. 

When contacted by their employee XXXX I advised that I've never done business with Reliant. Instead of providing me with insight that she was calling from a 3rd party she insisted that I give her my social security number ; her request was refused. She persisted in a threaten tone she that she had the social. I proceeded to hang the phone up. Within a week or so later XXXX calls back XX/XX/2018 XXXX from phone number ( XXXX ) XXXX. Again I advised XXXX that I've never done business with Reliant, she then spats out my social security number over the phone without any verification of my true identity. I immediately hung up and called back to speak with her supervisor. What the Reliant employee did was negligent and very inappropriate. I spoke to the supervisor at Reliant and I was advised of the nature of why they were calling and that they are a 3rd party for the Department of Education. I then advise that I personally call Department of Education to seek a resolution and gather the real facts about the alleged debt. 

I would like to see Reliant implement see some regulations for data security protection.It is my hope that Reliant uses more ethical tactics when handling sensitive information in the future.It is Reliant obligation to safeguard consumers information in which they failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have had numerous issues with Experian. In XX/XX/XXXX, I spent hours trying to get a credit freeze and had to submit numerous documents such as copies of Drivers license, bills, etc., to prove who I was. 

Finally in XX/XX/XXXX, I got a letter from Experian sent to my correct address. 

Then In XX/XX/XXXX, I requested a credit report from XXXX   and found out that I might have been the victim of identity theft. 

The letter I got from Experian was sent to an address I had quite a while ago. So, they have corrupted their files between XX/XX/XXXX and XX/XX/XXXX of this year. 

I tried to get this fixed by filing a dispute online with them. And they wouldn't let me provide the information. I kept getting error messages. 

I shouldn't have to waste hours and hours of time not to mention the aggravation and concern with sending private documents in the mail to these companies. If they are making money off of me, the least they can do is be sure the information they provide is accurate and not make me jump through hoops regarding my own information! 

Anyway, please see to it that Experian gets its act together and changes my address back to the correct one. 

Thanks, 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 non-monetary relief
Consumer complaint received 2018-11-10 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
All the potentionally negative credit in my report from experian is from more than 7 yrs old. They keep updating the date fraudulently, when all of them were more than 10 yrs ago. I called experian and the gentleman that took my call told me many thing which would make me loose my rights under the law. I felt that the credit company was sponsoring to commit fraud to the consumers ( 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 2018-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified.XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX  : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX  : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.

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 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
My old bank ( XXXX Bank ) was bought by First Citizen 's Bank. The type of account that I had was marketed as no-fees. First Citizen 's honored the no-fees for 30 days but not did not properly inform customers when they discontinued the service and began to charge overdraft fees. 

Their online account balances have been out sequence, they are charging ghost fees 3-5 days later that are not showing up until after you've made transactions based on the out of sequence balances. They also are adding services that have not approved of and withdrawing the charges from the account. 

Their retail business staff has been deterring personal account holders from applying for personal loans by telling them that personal loans aren't available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

11 XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.

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 2018-11-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
ATTENTION : EQUIFAX DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XX/XX/XXXX Southwest Credit Sys I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : XXXX Reason : [ Fraudulent account ] I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. I spoke with a service rep for this company and she couldn't locate an account with my name in response to the debt posted on my credit report. Please remove immediately. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Tx XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am a cardholder with AMEX. I recently had a plantinum card, but was receiving marketing and promotional items on their new Gold Card. I was enticed to switch because I use my card for work. The majority of my purchases are for entertainment and travel. The new gold card   provides better rewards and benefits for what I use my card for on a daily basis. I contacted AMEX before switching to make sure everything was good and was confirmed with the rep that everything would be taken care of. I had initiated the change on XXXX. On XX/XX/16, I received an email saying they were removing XXXX points or {$600.00} from my rewards account for downgrading/misuse of the rewards program. No one ever made me aware that this could happen or I would have stayed with the card I had. Moreover, I reached out 3 times over the follow three weeks to inquire or get this fixed. They said there was nothing they could do. I asked if they could at least honor the promotional offering for the new card and they said no. I was told they took the points because I didnt stay with the platinum card for a year. Its been 9 months. They also said I couldnt get the $ XXXX/XXXX point offer after spending {$2000.00} because I downgraded. I filed a corporate complaint weeks ago and have not heard back and continue to get the run around with employees. Theyre treating me like a thief when all I did was switch to a card they were advertising and marketing to me. Worst part about it is that they continue to send me mail reminding me about the new promotion for the gold card and every time I call in they say sorry, everyone gets that mail, but we cant give you the promotion. I need help since they wont do anything nor put me in touch with the right people. This all could have been prevented if they warned me this might happen before making the switch over to their new credit Card that they were marketing to me! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a loan and escrow account with Huntington bank. I recently found out that there are two insurance policies wrongly attached to my loan so I got a double charges which cause a shortage in my escrow account. I have talked to my loan initiator XXXX XXXX ( phone is XXXX and email is XXXX ) who said the 2nd policy will be removed from my loan within SLA XXXX hours but it didn't happen for the first time then made 2nd request still didnt happen. They violates SLA twice back to back. I called XXXX XXXX XXXX ( XXXX ) directly. A representative XXXX took my call and promised to call me back but never did. 
I raised the issue in XXXX now XXXX month has been gone, still nothing is resolved ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX keeps saying I requested to have my account closed which is untrue. My ex-friend XXXX XXXX XXXX sent emails and made calls to have my account closed. I never requested to have my account closed. I even sent {$5000.00} to XXXX so that I can continue to use my XXXX credit account. However I notified XXXX that I had fraud on my account and they refused to return my calls or emails to get this situation taken care of. Instead they let me ex-friend, XXXX XXXX XXXX who is a fraudulent their open a XXXX credit account. This is unfair and I think it all boils down to me being a XXXX female and my ex friend being a white male. This is suspect that you let a white male go free after he forced my account closed. Its ironic that I disputed a {$XXXX} payment and never heard from XXXX. I never received a refund and the item was returned. Its ironic that as a XXXX female XXXX doesnt give me the courtesy to have someone in management at corporate to call me. XXXX seems to have an issue with minorities. They took the {$5000.00} payment I sent and didnt apply it to my account. They didnt provide me my {$XXXX} refund and then they turn around and close my account even though I was making payments on time and even paid off my account to a zero balance.

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