vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EDvantage LLC
State: FL

Complaint narrative:
I am a student in XXXX FL campus of XXXX XXXXXXXX College, I am not in XXXX FL campus. 
My course is over as of XX/XX/XXXX. 
I have not found job in the field yet. 

I was told I will get 6 months time after completion of course and than my installment payments will start, for student loan. 

But I started getting collection calls from XX/XX/XXXX. 

And I must have got 50 calls. 


I made payments up to XX/XX/XXXX ( I paid {$75.00} every month, from XX/XX/XXXX till XX/XX/XXXX ). 

XX/XX/XXXX till XX/XX/XXXX I paid {$20.00} a month. In XXXX I started getting collection calls so I stopped paying. 
College has given me XXXX balance statement, that I owe nothing, which I emailed to Tuition Options, but again I still keep getting collection calls. 

There is some thing very fishy, I emailed to president of college too. 

The person in charge of student finance Mr XXXX is the main cause of these problems. he has left the XXXXC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
For the credit card issued by XXXX XXXX XXXX, ( 1 ) Give me the details of all answers submitted by your employee named XXXX, for issuance of this credit card. It is my information and therefore it is my right to know my own information, which have been submitted not by me, but submitted by the bank employee. ( 2 )  Even after around 10 months of credit card usage, my XXXX score is still not available. See attached XXXX score screenshot, clicked in my XXXX  XXXX XXXX 's mobile application. I have complained many times to branch at XXXX XXXX XXXX, CFPB, bank 's customer care, Bank 's credit card department but nothing worked out as XXXX XXXX XXXX is extremely busy to practice illegally and with no business ethics. Bank 's motto seems to cheat new customers on the fake promise of good service. Once the prey signs the document, no one listens to that victim customer because the motive of cheating is achieved. And this way, I am still not getting my XXXX score as no one listens to my complaint in XXXX XXXXXXXX XXXX. Kindly give me the details of all answers typed by the XXXX ( XXXX  XXXX XXXX employee ), because I am sure he must have done some blunder and therefore even after using credit card for around 10 months, paying the bills on time every month, my XXXX score is not available anywhere.

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 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had a checking account with this bank that was closed and brought to a XXXX   balance before it was closed. Theyre reporting it as a charge off on my credit report, not only that but they fraudulently ran my credit without any authorization for any type of loan or extension of credit. I wasnt even living in a state they do business in at the time! I tried to get answers and all I got was the run around from them and no one could seem to answer my questions.

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 2018-07-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had resolved an ongoing issue with this creditor regarding a credit card. They advised me to dispute it with the credit reporting agencies and they would make sure it was removed. The ONLY bureau it was removed from was XXXX, XXXX and XXXX  are still showing and when asked they advised the creditor, Chase, was reporting accurately. How can they report accurately to one bureau but incorrectly to the other 2??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: MO

Complaint narrative:
On or about XX/XX/2012 a " third party '' my grandmother was contacted by Western Shamrock Loans disclosing to a " third party '' I had a loan causing me embarrassment they called her twice attempting to contact me I thereafter contacted Western Shamrock Loans and advised them I am currently unemployed was " laid off '' and can not afford it and seeking legal advice as this was unexpected circumstances, I immediately advised the Manager of the XXXX Mo office to Cease co tact under U.S Civil code 1692 section C and I will be mailing them a copy. The very next day Western Shamrock mailed certified mail to my address which a third party signed for this is excessive and abusive behavior from Western Shamrock and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery of XXXX, VA reported old information & old XXXX XXXX account I already disputed and had removed previously. I need this removed from both XXXX  and XXXX again as I am in the process of repairing my and maintaining my credit score and this causes significant damage that they previously agreeed to remove. I have settled the old collection account and now have a new secured account with XXXX XXXX that is current and 100 % positive in order to increase my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX refuses to remove collection reporting on my account regarding an collection account previously with XXXX XXXX XXXX. Not only is the XXXX collection account a negative impact on my credit but there is also still another account of the original creditor XXXX XXXX XXXX listed as well. Both of these reports with both XXXX  and XXXX are severely impacting my credit score which I am in the process of rebuilding. I have opened a new secured account with XXXX XXXX and have come to agreements with several past creditors and collection agencies to remove negative information so I can better my credit profile. I am making regular payments and no longer have delinquent accounts. I would appreciate it XXXX XXXX XXXX and XXXX XXXX XXXX would show the same courtesy as all of the other companies have in my efforts to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
My problem is the opposite. I am trying to get ahold of this debt collector, but I can not find a number for them. I searched for the office and it said that it was permanently closed. Only my credit report it says that I owe them {$800.00}. It is effecting my credit score so I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: IN

Complaint narrative:
I went into a car dealer they sold me a loan on a loan to fix my credit. They never discussed with me that it was a high interest rate that in four years I would only have paid {$40.00} in principle over a 4 year period of time. 99 % of my payments have went to interest. Leaving the value of the car 300 % of the loan. Which is forcing me to consider bankruptcy. I consider their fraudulent and high pressure tactics a violation of my consumer rights. Purchased vehicle on XX/XX/2014 for XXXX still owe XXXX monthly payments are XXXX. The name of the finance company is santander consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I can't dispute anything through XXXX it's telling me my information is not right even though I know for a fact I've answered everything correctly. I believe there is information on my report that's incorrect and it's not going to let me log in. Amount on one creditor keeps increasing every month even though it is in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC System is reporting that I owe {$610.00} for XXXX XXXX from XX/XX/XXXX reported on XX/XX/XXXX. This is NOT my debt. I have never had service from XXXX, I have never signed any contract or agreement with XXXX, you should verify that fact. My previous spouse may have had service. I dont even have a tv. Please remove this inaccuracy immediately. I have disputed with XXXX as well.

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 2018-07-15 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
I rented an apartment with XXXX  on XXXX in XXXX XXXX XXXX, TX. At the time I think it was managed by XXXX. My lease was to end in XX/XX/XXXX. Around XX/XX/XXXX I was late on my rent and notified the office. They agreed to the arrangement. When I went into the office to pay on the assigned day the office notified me that they would not bring accepting my payment so an eviction was filed. We went to court around XX/XX/XXXX and everything was explained to the judge but to no avail the judge sided with the landlord. I was evicted. My problem is after move out the 3rd party collection agency is reporting that I owed the landlord XXXX which is impossible. This apartment complex is a total ripoff which have been through 3 or more management agencies in the last 3 years. They prey on ruining tenants rental history. The 3rd party collection company is NCC BUSINESS SERVICES. I am requesting that both companies be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I received notification that a $ XXXX balance was posted to my credit report from a company called Penn Credit Corp , attempting to collect for XXXX XXXX XXXX. This was surprising, since I have not even lived in XXXX for 5 years and had always paid my XXXX bills on time. 

Penn Credit Corp and XXXX have not been able to prove to me how I incurred these charges. My account on XXXX 's website doesn't even work anymore, so I have no way of checking myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC.
State: NY

Complaint narrative:
Collection Company on credit report named as : XXXX XXXX XXXX XXXX XXXX. 
Ste : XXXX XXXX, FL XXXX XXXX XXXX Original lender : Medical Age of account : 2yrs 3 mths Balance : {$75.00} Since XX/XX/2018 to XX/XX/2018, has not been able to make contact via certified mail, phone, fax or email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX and graduated with a worthless bachelor degree that I have yet to use. As a matter of fact I had to return to college and pay out of pocket for a majority because my student loans were maxed out from XXXX University. This worthless degree cost close to seventy thousand dollars ( with interest ) and up until I returned to college to obtain my XXXX  I was not making anywhere near the amount that they wanted me to pay back for my loans. I barely had gas money let alone close to {$600.00} a month to pay back a loan for a degree that I can't even use. Any employer that I went to would laugh when I told them where I went to school and then proceeded to tell me that I was not qualified for the position. 

Now every month I receive a bill from Navient to repay my student loan. I am making {$300.00} a month payments and will be paying that for a good portion of the rest of my adult life. Apparently there was a law suit that I was not aware of charging XXXX with over charging students for worthless degrees. I have contacted the XXXX IA campus in the past to get nowhere. I even went to the campus to sell them back the books and they told me the books were worthless and that those books aren't even used in their curriculum. I was so proud of all the hard work that I had put into that degree only to get laughed at every time I applied for a job. Please do something about this fraudulent company who cares nothing about the students that have attended only about lining their own pockets. I am now $ XXXX in student loan debt. This reflects negatively every time I try to make a purchase. Its hard to get a credit card, buy a car, buy a house or even manage the finances with this much worthless debt hanging over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
PLEASE KEEP IN MIND I ONLY WANT A LIMIT INCREASE TO BUILD MY CREDIT SCORE FOR BUSINESS CREDIT I HAVE NO DESIRE TO GO ABOVE 10 PERCENT UTILIZATION. I JUST WANT TO GET OUT OF THE SUBPRIME CREDIT TRAP Hey XXXX, I know youre a busy man so I do not want to take to much of your time. I will be direct and to the point. I have a capital one journey account thats 3 years and 3 months old. I want to thank you guys for giving me credit when I had no credit. My main issue is my credit limit is only XXXX dollars. I graduated college and now I am making XXXX a year. I can afford a XXXX limit. 

This credit limit of XXXX does not match my current income. Also this keeps me at SUBPRIME CREDIT... 

I do not like using this card because my limit is sooooooo low. 

IF YOU CAN HELP ME RAISE MY LIMIT ABOVE 10K I will be indebted to you!!!!! 
I never complained to the XXXX XXXX XXXX Please increase my limit XXXX 10k or above will take me out of subprime and I will be able to get funded for my business. 
THIS WOULD CHANGE MY LIFE FOR THE BETTER MY DESIRED LIMIT IS XXXX BUT IM GREATFUL FOR ANYTHING MORE THAN 10K I AM TRYING TO BUILD MY BUSINESS CREDIT. 

THANKS FOR YOUR TIME HERE ARE MY ACCOUNT DETAILS : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX LAST FOUR OF CARD NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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: GA

Complaint narrative:
I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG 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 non-monetary relief
Consumer complaint received 2018-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG 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 explanation
Consumer complaint received 2018-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2018 I purchased merchandise from XXXX XXXX store for the amount of {$220.00}. I never received the merchandise that was paid for even though the tracking shows it was delivered I never got it. I never signed for anything. Nothing. The merchant failed to send a replacement so I was out my money and no merchandise. 

This is when I contacted my credit card company, Capital One. I started a dispute for this transaction stating the above. They had me sign a form and send back with all the information they asked. I submitted as they asked and they denied my claim when they are supposed to protect me as their customer because I never got my merchandise so i was charged for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I obtained a free annual credit report from XXXX. It showed a hard credit pull that I did NOT authorize, from a company I have NEVER had contact with and have NEVER requested to do business with. 

The unauthorized pull was by XXXX XXXX on XX/XX/XXXX. I did NOT initiate any type of business transaction with this company. I XXXX them and they are a payday lender. I have NEVER requested a payday loan. I did NOT initiate any lending requests or loan applications in XX/XX/XXXX or the months immediately prior. 

The XXXX credit report shows XXXX XXXX XXXX contact info as XXXX XXXX XXXX, XXXX, OH XXXX, phone number as ( XXXX ) XXXX. The credit report shows that this hard pull would remain on my credit report until XX/XX/XXXX. However this is ABSOLUTELY an UNAUTHORIZED hard pull that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I received two notificarions from credit card companies : XXXX XXXX ( XXXX WI XXXX ) Of a credit inquiry in XX/XX/XXXXvia XXXX XXXX And XXXX XXXX XXXX via XXXX on XX/XX/XXXX Needless to say I havent requested any of these credit cards. In fact, I have been in XXXX since XX/XX/XXXX ( until XX/XX/XXXX ), and I am from XXXX XXXX. 
Therefore, it is my understanding that someone is trying to steal my identity. 
Please address this ASAP.. I cant afford getting my credit score damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I contacted The company by certified mail in regards to a collection listing on my credit report. I had no knowledge of this collection so therefore I wrote a debt validation letter to the company on XX/XX/XXXX in  regards to the collection being reported by them in the amount of {$2200.00}. Company replied by mail dated XX/XX/XXXX well after the 30 day limit to reply to debt validation request. Company did not provide me with proper validation of this debt. As per the FDCPA companys debt validation letter is to inform me that I have 30 days to dispute this alleged debt. The Company was also required to also provide me with a statement that if I dispute the debt in the given 30 day time frame that their company will then mail me verification of the alleged debt or a copy of the judgement against me. Company did not provide me written notice of either of these required statements. I then replied to the companys recent communication on XX/XX/XXXX asking them to cease and desist all collection activities due to their failure to properly validate this alleged debt and failure to comply with FDCPA regulations. Company has yet to reply.

Company response to consumer: Closed with explanation