vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
I was never informed of the debt being purchased by Torres Credit Services via mail or phone. I am not sure when they purchased the account from XXXX. However the account with XXXX remained OPEN although the service was disconnected at XXXX XXXX XXXX due to the sale of my property. Payment was paid in full with XXXX not Torres Credit Collection Service which is reporting on my XXXX report and is INACCURATE and needs to be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XXXX XXXX I called Syncrony bank to payoff my XXXX loan. 
They said the quickest way because they have no web based pay system was to give them my bank info ie : account and routing numbers. I called them back a week later because the amount of {$5900.00} had not been withdrawn yet, In the meantime my automatic payment thru my bank had already processed also so I should have a over payment, They told me when i called that it was not paid and could not tell me why except that the payment was returned. they were supposed to check phone logs to check recordings of my bank info was correct and that they would call me back ( no emails can be sent from them I was told ). I never received a call and to this date it has not been withdrawn from my account.. I don't feel i should have have to pay more interest for there mistake. I received a letter which if I can attach saying it was paid off. I can't get any help from phone calls, they don't know anything they just want me to repay again, I don't want to be charged twice for I don't trust how they do business.

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 2019-09-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
I made a purchase on XXXX at for {$9.00} at XXXX XXXX CDT on XX/XX/XXXX. That is the last legitimate purchase I made on the card. I had a balance of {$270.00}. While I was sleeping the following transactions were made : {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX ending in a balance of {$4.00}. Then I have had notices of declined charges of {$21.00} at XXXX. 
This continued with charges declined for {$6.00} at XXXX. 

When I found the text messages with charges and balances, I called to report the card as compromised/hacked. I was told that the transactions were pending and would have to be complete before a dispute claim can be placed. My account was then put on hold -- not that there was anything left to steal. 

However charges have still been attempted. 
XX/XX/XXXX at XXXX XXXX a charge of {$6.00} was attempted on a card ending in a card I don't have in my possession. This matched neither card I have in my possession. 
XXXX a charge of {$18.00} was attempted on card ending in the mystery card. 

Meanwhile I still have attempts against my account, which is frozen but has had a deposit made from my employer -- that I can't access because my account is frozen. 

I am told I have to wait 7-10 days for a replacement card. 
Normal cards with multiples of the same transaction would have been rejected, a flag put immediately on the account and a new card sent out within 3 days. The only reason this must take so long is that I have been dealing with an offshore phone center. Because they told me the charges initiated in the XXXX -- would you want to deal with an offshore phone center accessing your info?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: IL

Complaint narrative:
I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

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 2019-09-05 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 just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: IL

Complaint narrative:
I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

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 2019-09-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies Trans Union, XXXX, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have been harassed by national credit systems in the following ways : -would not stop calling even after repeated requests. 
-would not furnish documentation regarding alleged debt. 
-they play games on the phone and avoid any questions and abruptly hang up when I question the validity of the debt. 
-they manipulate the dates reported to the credit bureaus whenever I make a dispute as a way to keep the alleged debt on my credit report. They leverage themselves by negatively reporting false information as a means of power over me. I HAVE RECORD OF THEM CHANGING DATES AND MANIPULATING THE SYSTEM. 

This is causing major financial stress as well as emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. 

This is a full time class. I need a large scholarship or loan to cover this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. 

This is a full time class. I need a large scholarship or loan to cover 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 non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On Saturday XX/XX/19 around XXXX  o'clock I went into Speedy Cash to pay off my loan for the amount of XXXX dollars. I paid the full amount with cash and asked for a receipt in which the teller gave me one. On XX/XX/19 at XXXX I get a phone call from Speedy Cash Corporate office in which they tell me I haven't paid off the loan and there's no record of me paying it off. I call the branch where I paid the loan and they show no record of me paying off. I asked if they have any cameras and if they could review the footage and the teller said to come over and we'll be able to review it. Around XXXX o'clock i go over to the location and the manager then says it'll be weeks before we could actually review anything. The manager did print a receipt for me showing the last time I paid my last loan on XX/XX/XXXX but not showing the XXXXThe thing is I have lost the receipt and the only way to prove i did pay is with security cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one has treated me horibke they closed my account after being a customer for 6 years in good standing all While om on vacation they change my due date on my other account all without surprised this is horibke their customer service refuses to handle this for me executive relations reinstate my account and call me and put back the due date I had in my GM card its not fair why your system would do this to me and change it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Hello, I submitted an income-driven repayment plan to Nelnet on XX/XX/XXXX. When I called to check on the status of the application and the amount I would need to pay the first month I was told that I needed to request a deferment to avoid paying the standard amount. This information was incorrect as the loan was supposed to be placed on an administrative forbearance while my application was being reviewed. This resulted in {$11000.00} being added to my principal balance on XX/XX/XXXX despite qualifying for the income based repayment plan I submitted an application for. 
Again in XXXX I submitted my recertification application to Nelnet on XX/XX/XXXX and on XX/XX/XXXX Nelnet incorrectly capitalized accrued interest in the amount of {$3500.00} to my account despite being on and qualified for an income based repayment and not requesting any kind of deferment or forbearance. 
On XX/XX/XXXX I submitted my documentation and application for recertification of my income driven repayment plan and on XX/XX/XXXX I was notified Nelnet incorrectly capitalized interest to my principal balance in the amount of {$2600.00}. I reached out to Nelnet on XX/XX/XXXX to let them know I did not request any deferment nor did I receive any notification that a forbearance, deferment, or six-month grace period would end soon and that accrued interest would be capitalized. My message was responded to with an email asking me to call them during business hours. This issue was not resolved before my loans were transferred to myXXXX due to my application for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX XXXX XXXX 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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted an online dispute with Equifax on XX/XX/2019 disputing my name as reporting inaccurate a Bankruptcy listed in the public records section of my credit report. They continue to report this Bankruptcy on my credit report after I showed them proof of how my name was inaccurate based of a credit report that I received from a 3rd party company named XXXX XXXX whom which they verify information with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I was charged {$280.00} by Amazon in XXXX on my Southwest credit card from Chase bank. I checked both my Amazon account and my wife 's account and there were no purchases reflecting this amount. I called Amazon and they pulled up the purchase and claimed it was for a paperback book and confirmed my name and address. I did not, nor would I ever, spend {$280.00} on a paperback book. I immediately called Chase to report my card number as stolen and dispute the charge. I was given a credit originally, but then received notice that it was recharged because Amazon had provided proof that something had been shipped to my address. I did not receive any item. I've called both Amazon and Chase repeatedly to report this as fraud, and they both are claiming that the transaction is valid. It is obvious to me that someone clearly got access to my card number, opened a seller 's account with Amazon, listed a paperback book for nearly {$300.00} so they could get that money from me, and then shipped something to my address. My only assumption is that it was an envelope or some sort of junk mail that got discarded. I have since closed my Chase credit card and paid the amount to prevent my credit from being impacted. However, I just received another letter from Chase saying that they have closed the fraud claim and will not respond to additional reviews without additional information. The last time I spoke with them they said we needed Amazon to provide documentation stating that we did not purchase this item, but Amazon will not do so. Regardless of whatever was apparently shipped to my address, I did NOT order this item and am the victim of fraudulent activity.

I opened this card specifically to make a large purchase ( countertops ) for a home remodel. That purchase was paid off in the next billing cycle. Other than that, I'd only used it two other times for small purchases when I didn't have another card with me. This purchase is suspicious on it's own, but is also outside of our normal activity and not connected to either of our actual Amazon accounts.

Company response to consumer: Closed with explanation