vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
On XX/XX/XXXX, I received this message from Fedloan about my income-driven repayment plan : Hello XXXX, You need to recertify your Income-Driven Repayment ( IDR ) plan today! 
Consequences If You Don't Recertify Your monthly installment amount will most likely increase Your interest may be added to your principal balance Your payments may not count towards Public Service Loan Forgiveness. 
You currently repay your loans on an IDR plan. Since your payment is based on your income and family size, it is required that you recertify annually. You must have your completed application and any supporting documents to us by. 
Its fast and convenient to recertify your IDR plan online! 

Because I did not want to lose my income-driven repayment status, I immediately re-certified for it. Contrary to what FedLoan had promised in the message, I temporarily lost my income-driven repayment anyway. They approved the income-driven plan for {$130.00} a month, but said it started in XX/XX/XXXX and I had to pay a much higher amount in XX/XX/XXXX ( {$540.00} ), an amount that I could not afford.

This info can be found in IDR sequence 57. 

FedLoan explained that because my loans had different recertify dates, recertifying was ealy for some of them, which knocked me out of income-driven repayment on those loans. This is contrary to what was promised. In other words, it was THEIR mistake, but now I was going to pay for it. 

Knowing that I should have been kept on income-driven repayment, I paid the {$130.00} income-driven amount for XX/XX/XXXXinstead of the {$540.00}. I only did this on the advice of FedLoan workers who helped me over the phone. They admitted FedLoans error and said everything should be cleared up by XXXX, through an override request. I am unwilling to wait that long for something that may not be rectified. 

I spoke to XXXX ( employee # XXXX ), XXXX ( employee # XXXX ),, XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). All were gracious and helpful, but the fact remains that FedLoan messed up and I am the one paying the price for their error.

Meanwhile, FedLoan is sending me text messages, acting like I missed my XX/XX/XXXX bill. I did not miss that bill. I paid the approved income-driven payment of {$130.00}. I did not pay the {$540.00} in erroneous charges that they are billing me for.

What I want is simple and fair. I want FedLoan to override my erroneous XX/XX/XXXX payment and give me credit for my on-time payment of {$130.00}. I also want full credit for that payment towards my Public Service Loan Forgiveness. 
I re-certified on time. And yet I am being punished as if I did not. This is unacceptable behavior on the part of my loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Sent letters no reply re aged the debt from origami creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: AL

Complaint narrative:
After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXXXXX and XXXX XXXX on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.

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 2019-09-13 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I applied for a loan with TD Bank and was approved at an interest rate of 14.9 percent. I current have a loan with them at 10.99 which is getting paid off with my new loan. I asked why the interest rate would be higher and was told its because my credit score is XXXX. I asked where they get their scores from and was told they pull from XXXX. I actually have an account with XXXX so I pulled my score directly from them which is a XXXX. I sent this to TD bank and was first told this was probably a XXXX XXXX score. I advised them to look at my email again and they will see it came directly from XXXX. At this point I was told they use a module system which had me scored at XXXX. I explained that this odd to me that they claim to use scores directly from the credit bureau but now they are telling me about this module system. As a long time customer of the bank who has always paid my accounts on time without issue, I find it highly concerning and deceptive to alter credit scores that come directly from the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged to my Capital One Savor credit card in the amount of {$110.00} on XX/XX/19 with a charge showing as XXXX XXXX XXXXXXXX. I contacted Capital One ( CO ) when I saw the charge on my account to let them know that I did not authorize or recognize the charge. They temporarily credited the amount to my account and they claim to have conducted an investigation. They claim that the credit card was physically present at the time of the alleged transaction and that that makes me responsible for it. They charged the amount of {$110.00} back to my card on XX/XX/19. On the day of the original fraudulent charge I was in XXXX, XXXX flying home to the United States. The charge says XXXX XXXX on it, but I have never in my life been in XXXX XXXX. CO has been unable to provide me with an address and exact time that the card was allegedly charged. I cant even find an establishment with a name that matches any part of the charge name that is in XXXX where I was on XX/XX/19. CO does not have a receipt of the transaction, they have no signature from me ( or anyone else for that matter ) for the transaction, there is no itemized information about what the charged alleged service or good may be, and there is no name of an individual at the alleged establishment that is known. Honestly I dont even know if there is a human being associated with this charge on the other end and it seems like CO has no idea if there is either, and yet CO is still asking me to pay for it. I reviewed all other charges from my trip to XXXX and I recognize all others as authorized, but this one I did not consent for and do not recognize. I know for a fact that I did consent to any individual purchase of over {$100.00} on the day that I departed from XXXX. Furthermore, I did not have the credit card in my physical presence and eyesight the entire time I was in XXXX ( XX/XX/XXXX-XX/XX/XXXX ). I handed the card over to merchants on several occasions for them to run it through for other charges that I recognize ( like for a dinner or gas ). So, it is possible that at some point a person that I gave my card to then charged my card for an unknown and unauthorized charge unbeknownst to me. Also, I never received a written letter from CO stating the results of their investigation. They say that they mailed it but they didnt provide any delivery confirmation and I am still waiting for this correspondence today. In summary, I did not authorize this charge or receive any further details about the alleged merchant associated with the charge, and therefore I do not believe I should be held responsible for paying for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 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:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.

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 2019-09-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: AL

Complaint narrative:
After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.

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 2019-09-13 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: CITIBANK, N.A.

Complaint narrative:
Dear Sir : Reference is made to an incomplete investigation under number XXXX ; I am XXXX XXXX XXXX and I have been trying to get thousands of dollars back from Brokerage Accounts and Retail Accounts respectively under numbers XXXX and XXXX and XXXX : I am temporarily living in XXXX due to a family emergency and expect to get back early in XXXX : Please note, just received a letter signed by XXXX XXXX XXXX Vice President and Senior Counsel of Citibank Personal Wealth Management dismissing all claims by me against Citibank N.A. ; she has ignored that she has refused to produce evidence that at any time I authorized the erratic buying and selling of Securities making me lose thousands of dollars : no Margin Account agreement was ever produced. Those transactions which had been forwarded to MsXXXX XXXX were clearly documented. However she said in her letter of of XX/XX/XXXX that I have no claim.Also earlier in another investigation I called the CFPB attention to letters to Citibank Chief Executive Officer Mr. XXXX XXXX on XX/XX/XXXX as well as a letter to Executive Response Unit, Ms. XXXX on XX/XX/XXXX detailing fraudulent debits to my Retail Accounts respectively. How can they ignore so blatantly my claims and sweep-up under the rug? Its plain outrageous. 
I commend the work of each and everyone of you at the CFPB in helping Senior Citizens like me from being robbed : I am XXXX years old today and I am pennyless because of Citibank 's neglect. Today I have sent you via Certified Mail correspondence and I beg you to keep me abreast of any developments. Please feel free to contact me at my email : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX My phone numbers are : Cell ( XXXX ) XXXX Home : ( XXXX ) XXXX Thank you very much! Friday XX/XX/XXXX c/c XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have an on-line Equifax account ( XXXX XXXX   XXXX XXXX XXXX ) to freeze and temporarily unfreeze my credit report. I have a username, password and PIN #. This account did not work on XX/XX/2019, nor did it work on XX/XX/2019. The only way I can temporarily unfreeze my credit report is to call there telephone ( XXXX ). 

I use XXXX 's XXXX browser, which is very commonly used throughout our nation. One XX/XX/XXXX, Equifax told me their website for temporarily unfreeze things was down. I think their website is always down and broken. Try it yourself to see how it does not work. 

Temporarily unfreezing my Equifax credit report is beyone tedious. I have to answer a variety of detailed historical questions. Why bother to have an on-line account??? I think the company purposely makes things difficult to that people will be muscled into using their monthly protection services, instead of using free services that freeze and unfreeze a person 's credit report. The are probably purposely breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: MO

Complaint narrative:
The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX {$550.00}, XXXX {$550.00}, please remove 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 2019-09-13 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: MO

Complaint narrative:
The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX   {$550.00}, XXXX {$550.00}, please remove from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: MO

Complaint narrative:
The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX   {$550.00}, XXXX {$550.00}, please remove 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 2019-09-14 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:
On XX/XX/XXXX, I received a credit card in the mail which I did not request, prompting me to check my credit report on XXXX which lead to discoveries of fraudulent accounts. I began registering with credit bureaus to put a freeze on my reports. I was successful in creating accounts on XXXX and XXXX and freezing, however, I was unable to register an account on Experian. I called their line to resolve the issue and after talking with an agent, I discovered that the identity thief had registered with Experian before I could completely usurping the experian account. I am having difficult time solving this issue as Experian representatives seem to have zero jurisdiction in resolving 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 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. I then receiveda rougue email from resurgent regarding a supposed account and howto pay. I never gave nor authorized them to use my email. However i respondeand again disputed thisso calleddebt. They did not send the agreement or contract bearing my signature. They sent a one page state, rnt showing an adress i have never lived at. I again notified them of the areas and disputed requiring the copy or original contract oragreement bearing my signature. I also explained i was a vtivtim of identity theft ack a few years ago and need this to file a new report. They have refused to act. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX , XX/XX/XXXX, Equifax. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX XXXX Experian, XXXXXXXX. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.

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 2019-09-14 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:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b  ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXXXXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.

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