vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from U.S. Bank, retail collections division. They implied they are filing a forgiven Debt XXXX form with the IRS for about 25,000 dollars that was discharged in bankruptcy, Case No. XXXX in the XXXX District of Illinois in XXXX. See Exhibit A. They are about to report a debt discharged more than two years ago in bankruptcy ( See Exhibits B, C, and D ) of which they had actual knowledge, to the IRS as money still owed to them, forgiven debt so I am required to pay taxes on it. 

They are hoping I do not know my rights under federal law for the Discharge Injunction which is still in effect since XX/XX/XXXX. They want me to call them and say " Hey, if I agree to a payment plan of XXXX a month, will you not report this on my credit or to the IRS? '' Of course, I anticipate they will defend themselves and say that they are new employees and didn't know about the bankruptcy, but they also " reported '' this " forgiven '' debt to the IRS in XXXX after I was discharged that year. This is a pattern of harassment. See letter from my previous attorney to them declining to provide documentation for their report to the IRS in XXXX of my " forgiven '' debt. 

They were notified of the bankruptcy when it was filed and listed in Schedule F of my Petition, and also notified of the Discharge on XX/XX/XXXX ( See Exhibits B, C, and D ). 

If the CFPB decides not to proceed, I can pay the fee to reopen my bankruptcy case, XXXX and seek formal sanctions in bankruptcy Court for U.S. Bank 's willful and knowing violation of the discharge injunction seeking to collect the debt that was discharged in Case No. XXXX, but I am offering them one last chance to leave me alone before I have to take this step.

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Dirversified Consultant add a debt collection on my credit report on XX/XX/2018 for {$290.00} dollars that I don't know what's it about and what to get rid of it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I paid the XXXX on behalf of XXXX XXXX XXXX a {$150.00} deposit for a work meeting. Upon paying deposit I signed a proposal stating that the deposit could be paid via my Capital One 360 debit card but remaining balance could be paid via cash, or card. On XX/XX/XXXX, we had our work meeting at XXXX XXXX XXXX at noon. Around XXXX, the CEO of our company asked for the check. I saw him give our server his debit card for the remaining charges of {$830.00}. I asked our CEO if the receipt had the deposit amount deducted. He said it hadn't and gave the receipt with his card with the server. The server brought back the receipt and the CEO signed. A month later I was contacted by XXXX XXXX social stating the balance hadn't been paid. I told them I watched the XXXX give his debit card to the server twice. For months XXXX XXXX social and I went back and fourth. Id written them a check from a different bank but stopped payment because I felt something wasn't right. The two receipts we were presented had a huge 3 time difference from where we paid from when the receipt printed. No where in the proposal stated that my debit card would be charged for the final amount. Nor did I give XXXX XXXX XXXX or XXXX permission to charge my debit card. On XX/XX/XXXX XXXX XXXX XXXX via XXXX charged my card for {$830.00} without my permission or my signature. I filed a claim with Capital One Bank On XX/XX/XXXX disputing the amount as an unauthorized charge. On XX/XX/XXXX, I received an email from Capital One Bank stating that they were reversing my credit of {$830.00} from my account on XXXX, XXXX. I appealed the decision immediately. On XX/XX/XXXX, I received another email with 26 pages of documents of emails between myself and XXXX XXXX XXXX. None of the emails included a signature or authorization to have my card charged for anything other than the {$150.00} from XX/XX/XXXX. Capital One Bank asked via email that I not contact them again about the matter. The charge is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early  warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I sent a letter to this company to remove a unauthorized inquiry from my report that was done without my consent and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I filed a dispute on an item that was existing on my account. The account was paid in full and should have been removed. Experian did not remove the account but instead reapplied the same account dropping my credit score by 50 points.

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: MO

Complaint narrative:
The Phoenix Recovery Group reported my account to the credit bureaus without sending me any notification of the account. After contacting XXXX, The Phoenix Recovery Group then contacted me for the very first time via emailXX/XX/18. The collection notice that they had sent to me had the wrong address, hence the reason I never received it. The original creditor noted on the collection notice also sent the bill to the wrong address. The Phoenix Recovery Group stated in the email that they would report the account as disputed to the credit bureaus. That never happened. My credit score took a hit from this. I was never given an opportunity to dispute the account before by credit score was ruined by Phoenix Recovery Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Previous complaint number XXXX was closed incorrectly. 
Experian claimed they needed my contact information however, all of this was provided to them through the CFPB website AND AGAIN HERE TODAY. This credit reporting agency is attempting to resolve their complaints swiftly by closing the case rather than reading the data to make their metrics look well. MEANWHILE ITS CAUSING ME TO NOT BE ABLE TO GET A HOME LOAN. RECTIFY THIS IMMEDIATELY. I HAVE BEEN DEALING WITH THIS CREDITOR FOR 2 YEARS NOW TO REMOVE THIS. I HAVE HAD ENOUGH. 

YOUR COMPLAINT A # XXXX XXXX XXXX XXXX Acct. removed from XXXX on XX/XX/XXXX for incorrectly reporting data under my name. Creditor by law must stop reporting to all credit bureau agencies. To date the creditor refuses to remove from Experian and XXXX report. 
Sent to company Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your specific disputes, your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent a letter to this company to remove a unauthorized inquiry that was made without my consent, nor did I receive or apply for credit with this company and they have not sent me any proof of such request and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: CA

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY

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 2018-12-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Had an online car rental reservation from XX/XX/XXXX to XX/XX/XXXX for a total of {$180.00} which was paid in full on XX/XX/2018. Attached is a copy of the reservation with terms of agreement.

The rental company put another charge of {$220.00} on my credit card ( XXXX CitiVisa card ) in XX/XX/XXXX/XX/XX/XXXX without explanation. Subsequently filed a dispute on that charge with CitiVisa and they repeatedly made resolution not in my favor for the reason that the card was presented for a charge but can not provide written documentation that I authorized that charge. It was explained to CitiVisa that the present of the card was at the airport when the vehicle was picked up and was told it was for a security deposit hold for the car.There was no mention of that {$220.00} charge at any point until it shown up on my account. If that alleged charge has been part of the rental price, why wasn't that amount reflected upfront when the reservation was made. To me, this charge is a fraud and/or security breach of the use of my card.

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I'm not aware of the debt, I never had service at this address. There were several attempts from a XXXX dressed rep trying to switch over, never did due to the fact I was under contract with another service provider that I have been with for the last 5 years I have lived at this address. I have disputed this account with all three CRA and only XXXX  has removed the account. I have sent letters disputing and the collection agency still continues to harrass me about this so called debt that I owe. There has not verification of debt. I would like this remove as it has reflect negatively and not a true perception of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have contacted Navient on three different occasions this year ( not including my initial application ) regarding my current IBR loan payment that is causing serious financial burden. I have uploaded my income information and submitted the form requested each time only to again be told they still need my form or my income information again. 

XX/XX/2018 has been a very difficult year financially as I had major XXXX for XXXX and have been struggling to pay the medical bills that came with XXXX and at the same time pay other medical bills due to other XXXX XXXX issues. I supplied Navient with proof of loss of income for the almost 2 months and they ignored it and forced me into a forbearance rather than a financial deferment that I actually requested. To add insult the injury my loan jumped {$11000.00} plus in just one month prior to my IBR being renewed. 

The calculations that they claim are correct are not consistent with their own website when I use their online calculator to figure out what the loan would be I got different totals. The loan since this summer has been growing exponentially. Currently, there is a $ XXXX  monthly payment due that I can not pay due to the aforementioned, and I have again called and submitted additional income information, but I'm concerned that their games will negatively effect my credit in the interim. My monthly payment has never been this high in the over 10 plus years I've had the loan and with my income so low it doesn't make any sense that it should be this high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a XXXX mastercard issued by XXXX XXXX. Rewards were not issued per terms and conditions on the account. representatives I have talked to were no help. 

Called in tonight and talk to a supervisor named XXXX with id XXXX and she was just making excuses why I was not receiveing rewards, very unhelpful, rude, didnt care. 

She closed my account after I said the only reason I am closing is because she was being unhelpful and she forfeited my rewards which were missing in the first place.

Company response to consumer: Closed with explanation