vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MD

Complaint narrative:
My student loans are serviced through XXXX XXXX. I needed to recalculate my Income Based Repayment amount because I changed jobs, and I now make significantly less than I was making before. I applied online to have my payments recalculated on XX/XX/2018. I needed to mail a copy of my paystub as supporting documentation, which I mailed on XX/XX/2018. I called XXXX XXXX on XX/XX/2018 to inquire about the status of my request, and I spoke with XXXX ( employee id XXXX ). He informed me that my application was considered complete on XX/XX/XXXX because XXXX XXXX received my supporting documentation. However, on XX/XX/XXXX XXXX  XXXX  issued my bill for XXXX, which is due on XX/XX/XXXX and is for the higher amount based on my previous salary. I asked him why that bill was issued even though my application was complete beforehand, but he responded that it takes 2 to 3 weeks to process the application. I then spoke with XXXX ( employee id XXXX ) and another employee named XXXX ( employee id XXXX ) who confirmed that it takes 7 to 10 business days to process an application to recalculate IBR payments, and bills are issued 20 days before they are due. Therefore, it is IMPOSSIBLE to apply for a recalculation in IBR payments without also entering into at least a one month forbearance, and likely two months will be needed. During this time, interest continues to accrue and is capitalized. In other words, XXXX  XXXX is extorting students with accrued interest as a penalty for its delays in processing an application for IBR. This can not be supported by the regulation. If any forbearance is needed for XXXX XXXX to process an application, the forbearance should be interest-free because the delay is due solely to XXXX  XXXX XXXX own inability to process applications in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I applied at a XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX, WA ) for a credit card on XXXX XXXX, 2018. I never got the credit card or the requisite decline letter from XXXX XXXX explaining that I have been declined for credit and stating the decline reasons + sources of information for the data used in the decision. I believe this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a fraud alert on all 3 credit bureaus. Also credit freeze. XXXX XXXX experian shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.

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 2018-10-16 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Several time before this my wife would let me listen to voice mails she had received. It was the bank for this credit card, I never gave her number. I gave the correct information when I did the credit application. But they skip traced and got her number. I have not gotten mail from this company. Only from XXXX XXXX. 
On XX/XX/XXXX, I was answred a call to XXXX my wife. The guy did not confirm who he was talked to, he tried to strong arm collect this debt. by telling me he was taking me to court or charging off the balance if I didn't pay it tonight. I wouldn't talk to him. I was rude to him, on puropose. but asked for a manager. 
This guy acted like he had some sense, we set up the following arrangements. I paid XXXX that night, I would call XXXX on the following dates and pay XXXX per installment. XX/XX/XXXX and XX/XX/XXXX. I also told them I have a bill payment comeing to them every Friday from my bank, automatic. XXXX which it was agreed I would not have any other calls, my wife wouldn't because I updated my phone number. 
I made it very clear to the Manager, I would block the calls if they continued and they would only get my payments, as I send them in. he understood. 
Since then, I have gotten calls to XXXX ( my number ) XXXX @ XXXX XXXX, restricted numberXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX @ XXXX, XXXX XXXX  XXXX XXXX, XXXX Robo caller XXXX XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX, XXXX Robo Caller XXXX @ XXXX , XXXX ( restricted ) @ XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX Robo Caller @ XXXX, XXXX Potental Spam XXXX @ XXXX. 
As you can see, these calls are excessive from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, I refinanced a loan with Mariner Finance, with a total amount due of approximately {$1800.00} for a term of 18 months. This past summer I began having financial difficulties due to budget cuts and reduced hours at my place of employment. I called Mariner Finance on more than one occasion to explain this to them. My last payment in the amount of roughly {$120.00} ( including fees to arrange payment over the phone ) was made in XX/XX/XXXX. According to my credit monitoring service, the loan is reported as 30-59 days late. Today, XX/XX/XXXX, I received a letter from a law firm ( dated XX/XX/XXXX ) stating that I was delinquent in my obligations vis-a-vis Mariner Finance and that if I did not pay the remaining balance of {$660.00} within fifteen days of the date of the letter, I would be immediately sued. I've never encountered a lender who files a lawsuit against a debtor when said debtor is 30 to 59 days late. This is an intimidation tactic that I feel is nothing short of harassment. The letter was a form letter and clearly a photocopy. Furthermore, the law firm did not provide a phone number, only a fax number. " Mariner Finance '' was printed on the bottom right side of the letter. I suspect that this is a fictional letter and nothing more than a scare tactic.

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Asked them to validate the debt, they only sent copies of a bill claiming its mines but it's not! They're not sending me of what I've asked, which is signed documents by me. They still cant/dont have proof its mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus credit card. It offered a couple of things that attracted my attention including a {$100.00} credit after my first purchase. I clicked the link and it took me to Chase Credit card website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX. I was unable to complete the ticket purchase at that time because I didn't see the new Mileage Plus credit card number to use. I contacted the credit card company and was told I'd have to wait to get the card in the mail to complete the transaction using the new card. Which I did in approximately a week. After I've made purchases I expected to see the {$100.00} credit. I called the company on XX/XX/18 to find out the status and was told that I didn't follow the link when i applied but that they would pass the request on to their marketing dept. On XX/XX/18 I received a letter from Chase customer service stating I didn't qualify for the {$100.00} credit. I believe that I was misled by their advertising. I clearly clicked the link to get to the Chase website to make the application and am deserving of what they offered. This is a copy of their ad/link : XXXX? CELL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute with TransUnion credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and they sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this.

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX bucks on my credit card and my credit report plummeted down by 20 pts then on TransUnion I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX XXXX on my credit card and my credit report plummeted down by 20 pts then on XXXX  I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I pulled a copy of my credit report from all three credit reporting agencies and was scrubbing for inaccuracies when I notice that the balance Bridgecrest have been reporting was not correct. I called the company to inquire about my account balance and the method which they used to distribute the principal and interest and was told that everything looks good on their end and that my loan is a simple interest loan which incurs daily interest. I asked if they have hidden fees and was told No they do not. Dissatisfied with the answers I got, I asked for an updated statement of my account activities which Bridgecrest sent me two days later. I carefully went over the document and noticed a trend in the distribution of principal and interest. Instead of gradually declining ( Interest Payment ) and increasing ( Principal Payment ) the numbers keep jumping back and forth, which is highly unlike the result of simple interest equation. I got with my financial adviser to look over the statement, Contract and my account and upon revision came to the same conclusion that the numbers are not adding up. I called Bridgecrest after my talk with him and got connected to the Military department where I spoke with a lady who gave me the same spill about my interest is calculated on a daily basic and nothing is out of the ordinary. I then realize that I would not resolve this without a third party. Also, I noticed that my first Bi-weekly payment all went to interest.

In addition, I also compared the balances from statement with all three of credit report and notice that they did not match.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NM

Complaint narrative:
My account was compromised on XX/XX/XXXX the Bank ( US Bank ) tried not to refund the money taken from my account and froze my accounts. My direct deposit was allowed to go in but I was not allowed to use any of that money therefore my bills were not being paid. I do not use credit cards so I had no other means to pay for things. The Bank was not cooperative and was rude and unsympathetic - I live thousands of miles from family so I had no one to turn to. I have since switched to XXXX XXXX but as of XX/XX/XXXX still can not withdraw my funds from US Bank

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 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: NY

Complaint narrative:
In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information.

According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. 
According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2018 Equifax removed XXXX XXXX XXXX XXXX ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2018 XXXX  removed Capital One Auto Finance ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.

Company response to consumer: Closed with explanation