vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I bought a {$400.00} Visa gift card at XXXX XXXX, to buy a plane ticket on XXXX XXXX. I went to the XXXX website and booked the ticket, paid with the card and all seemed fine until I went back to XXXX   website the next day and the reservation said " ticket pending ''. So I called XXXX  and they said the card was declined. So I went to the Visa card site ( I bought it at XXXX for {$5.00} ) and realized i had to register the card so i did. I called XXXX  back and gave them the Visa number, expiration date and 3 digit code, to buy the ticket. Went back to website the next day, still said Pending, meaning the card was declined. So I called the XXXX/XXXX   number on the activation ticket, and after being on hold for ONE HOUR!!!!! I was told I had to call Visa directly. I did, and was told that " to buy a plane ticket I need to have the purchase price plus 15 % on the card '' ( the ticket was {$370.00} and the card has {$400.00} ). When I asked what for, I was told " incidentals ''. It's a plane ticket folks, there are no incidentals! I asked where this was stated and they said in the cardholder agreement on their website. I printed out this agreement and NOWHERE DOES IT MENTION PLANE TICKETS OR 15 % above the price! I asked the " customer service rep '' where this was stated and he couldn't tell me ( and this was the " supervisor '' that I asked to speak with after the first person i talked to had told me that. ) I have bought many plane tickets, and never have I heard of this. Surely this must not be legal, what authorized Visa to take/put on hold more than the purchase price of a plane ticket? 

XXXX XXXX has repeatedly told me that they do NOT place a hold on any amount over the ticket price, so I am concluding that either XXXX  is lying or that VISA is requiring the extra hold, which is nowhere in the Cardholder agreement. I have spoken with my lawyer, and this is considered at the least Breach of Contract and perhaps also Fraud. 

And what make this all the more suspicious is that no one will put anything in writing, neither XXXX XXXX attesting to the fact that they dont require a hold or the Visa people stating why my card was declined or where in the agreement it states that they can hold 15 % over the purchase price on the card. 

I need some help in either buying this airline ticket using the card or getting my {$400.00} plus the {$5.00} purchase price refunded to 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 monetary relief
Consumer complaint received 2019-02-04 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: Collection Bureau of Fort Walton Beach, Inc
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. COLLECTION BUREAU OF FWB/XXXX  XXXX, XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: CA

Complaint narrative:
Hello, I submitted a signed letter to XXXX XXXX verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX XXXX and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX XXXX an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2019-02-04 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: CA

Complaint narrative:
Hello, I submitted a signed letter to Experian, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Experian and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Experian an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2019-02-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX XXXX, EQUIFAX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: AES/PHEAA
State: NY

Complaint narrative:
My student loans were transferred to XXXX XXXX by XXXX XXXX. Whilst and after completing school, my loans were always in deferment or forbearance status until I could get to the point were I could manage repayment. I started repayment of these loans a few months back and noticed my account had reported late payments for XXXX and XX/XX/XXXX. I spoke to an advisor and he tells me had contact with XXXX in XX/XX/XXXX and was put on a forbearance that lasted a month later XX/XX/XXXX. Which does not sound like the correct way my account was to be handled when I spoke to them I was offered the income driven plan which I have always declined and asked for my account to be put on the forbearance. The advisors I spoke to never did what they had to do on their part and instead noted my account as if I was interested in the income driven plan. I specifically explained I have never been interested in that service or plan. This employees mistake has now caused me issues with my credit because since fedloan logs separate reporting for each individual loan those 2 months that were reported late have become 12 late payments since I had 6 separate loans. This is also unfair because if the loans are separate then they should be reported once just one late payment turns into 6. This needs to change it is very unfair for customers and people who might not be in good economic conditions. They have poorly trained and lazy advisors that end up giving people the wrong information, and incorrectly note accounts. I need this issue to be corrected as soon as possible or I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: CA

Complaint narrative:
Hello, I submitted a signed letter to XXXX, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX  and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX  an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2019-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I call XXXX XXXX and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000. I told them that the account amount was incorrect and I have proof, which is XXXX. a letter from XXXX stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.

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 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
A company called Alliance Data has been calling me about a so-called " urgent matter '' related to my XXXX XXXX account since XX/XX/XXXX. I haven't used this card in at least 5 years. 

In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. 

Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. 

I know I don't owe this debt. Which is why they can't provide written verification for it. 

Today, Monday, XX/XX/XXXX, at XXXX XXXX  Central Time, I called them back and spoke with XXXX, who was very rude. She got an attitude with me because I didn't have all the account information. I told her that, unless Alliance Data can verify this debt ( which they can't ), to stop calling me. 

After that conversation, I wrote and sent a letter ( see attached PDF ) to XXXX XXXX to notify them of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today is XX/XX/XXXX, I received a letter from Experian credit agency regarding my dispute of the item that has been on my credit profile since at least XXXX. There response is that the information I provided from XXXX  credit agency that stated the item was paid in full, was irrelevant, which is false, they have made a determination that the item is mine, treating the issue as Frivolous, I have took a lot of time to dispute this item and I am being ignored, which is very unprofessional coming from a agency like Experian. No Way this dispute is being verified and yet they continue to mail false letters of verification.

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 2019-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, Tenn XXXX I was XXXX and on XXXX because of a XXXX XXXX I have only ever had a XXXX payment as my income, Vanderbilt excepted this 18 years ago, now my Mother and Fathers health is failing my Father is on XXXX Now they both live with me and my XXXX years old son, we only have around {$1200.00} per month between us coming in to the home. 
I have tried to talk to Vanderbilt several or actually I had a friend talk for me in my presence because I have a difficult time expressing myself because this is my home and I get very emotional, the last statement I received from Vanderbilt was on XX/XX/2019 was asking for a payment of {$27000.00} before the will discuss a modification. I do not know what to do, I realize now I was taken advantage of, I welcome any help you can offer. 

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 2019-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
This is a continuation of previous claim. This is with regard to a HELOC that was granted to us on XX/XX/XXXX thru XXXX XXXX XXXX XXXX With your help I have been able to follow which companies have been involved inthe financing process of this loan. After XXXX XXXX granted this loan, it was turned over to HSBC. They serviced this loan from XX/XX/XXXX until XX/XX/XXXX, according to HSBC. However, from XX/XX/XXXX until XX/XX/XXXX, for four years, there was no correspondence from anyone with regard to payments being made or nt being made.. From some of the research that I have done, XXXX was involved in the serivcing of this loan. I was never notified by XXXX of any involvement in the collection of payments on this loan prior to being turned over to XXXX. No introduction to this company, no statements, no where to sent payments, on payment history, no record keeping furnished to me, no correspondence at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: VA

Complaint narrative:
I stated to Experian and I will say it again : I challenge Experian and the collection company to prove that I canceled or my bank canceled and/or put any block on the automatic payment set up for any XXXX account I ever had. I never failed to pay my dues on time. I disputed the same exact unlawful sprints alleged owed amount and it was deleted by Experian and now Experian retaliated against me and despite a letter from my bank confirming the above about the automatic payment and despite the proofs provided to Experian this credit bureau violated my rights under FCRA. Experian recklessly ignores the real issue and ignores my factual evidences and instead lecture the reader here instead of honest response to the real facts of the complaint. Thus, Experian must comply to the law or face it. If Experian can prove that I never had automatic payment or that I canceled it or block it or my bank canceled it or block then the collection account that alleged {$1300.00} should remain and if they can not which is a fact then Experian must deleted the only negative information or the collection about the XXXX alleged owed amount of $ XXXX.because my bank write a letter and confirmed that I never called my bank to cancel that automatic and I never canceled that automoatic payment and my account that provide funds to that automatic payment is same and open and has always funds of over 4000 $ daily and if XXXX wanted to get paid for any amount they have the ability to do so and they must stop harrassing me and damaging my financial reputation. I challenged Experian and its collection agency to prove me and my bank wrong about the fact that I and my bank did not impede XXXX to do what it was used to do using the automatic payment and get paid for any ligitimate amount proven I owed them but instead they use this collection over and over and drag me to complain and dispute it maybe they think I will give up my rights but they must know they have to follow role of law. Experian must comply to FCRA and my Virginia state law and delete that unlawful collection with original creditor XXXX because it is about the same amount previously disputed with this bureau and it was deleted and why is not the case now? Or is it forced retaliation? Show off of Experians muscles on my rights?

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 2019-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This loan was opened on XX/XX/2014 and is being reported as a joint account. This is not my debt. I have asked several times for this account to be removed from my credit report and was unsuccessful. I need to see the contract and my signature that they are claiming that i signed. This account has negatively affected my ability to receive credit from creditors and i would like it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 an international transfer was initiated by an XXXX XXXX  from my father who lives in XXXX into a Chase US account to myself. 
As of today XX/XX/XXXX there is no trace of the money. 
The XXXX XXXX was contacted and they show the transfer successfully sent. 
Chase bank was contacted and they are not willing to trace the incoming transfer. 
The amount transferred is XXXX euros.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MOHELA
State: MD

Complaint narrative:
MOHELA 's director XXXX XXXX and Assistant General Counsel XXXX XXXX ( most probably an Unregistered Foreign Agent ) have repeatedly contacting me demanding payment for an alleged loan they say I owe. I have already sent them USPS Certified letters stating that I am the creditor as per 15 USC 1692 ( A ) ( 4 ) and that I do not have a signed contract with MOHELA. I have never given them my  personal information, much less my social security number. Furthermore, MOHELA does not have a business license and Debt Collector Bond required to do business in Maryland. They are engaging in fraud, exhortation, harassment, mail fraud and I demand them to STOP. 

I filed an Identity Theft Report. I am going to file mail fraud for using the U.S. mail for their illegal debt collection practices under 15 USC 1692 ( E ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation