vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I'm having problems reaching someone who can defer my payments also there is a payment reporting late which I've never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group
State: CA

Complaint narrative:
On XX/XX/2021, the Moore Law Group threatened to sue on a debt that does not appear on my credit report. After 10 or more years, I have no records to suggest that the debt went unpaid. The amount the threatened to sue for us {$1900.00} and I retained a copy of the letter sent with their empty threat to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: GA

Complaint narrative:
I pulled my credit report. I seen an amount for {$160.00}. This includes a medical service that I am unaware of because the information is not me or owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: DISCOVER BANK
State: NJ

Complaint narrative:
Discover closed 2 credit card Ive had for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
The XXXX XXXX  XXXX bank claims That I opened a personal checking account this year and used their credit line. They claim I owe {$600.00}. I never opened this account and in fact closed my joint account with my father this year after paying off the balance. This is a fraudulent collection attempt

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 2021-12-22 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I checked my credit report and this Capital One credit loan is on it, which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
From XXXX to XXXX I had XXXX. I also had one other person added to my account because they claimed they needed a phone. The person decided they would not pay their bill so I brought my phone up to date and switched to XXXX in XXXX. Prior to that, XXXX charged exuberant prices to which they could not allocate the reason for the costs and wrote them off as hidden fees. XXXX is a very bad company. Fast forward to XXXX, I am receiving letters stating I owe $ $ on a device that is not in my possession nor do I own. The person on my account attempted to send the phone back to XXXX, XXXX claimed they could not take the phone. XXXX has messed up my credit significantly and has set me back 5 years. Without any investigation, XXXX allowed an account under my name to remain open and charged. Now that theyre no longer a company, theyve insistently harassed me over a year for a charge that does not belong to me and subsequently, ruined my credit.

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I checked my credit report and this Citicards loan is on it, which I have no knowledge of.

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 2021-12-22 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 — Investigation took more than 30 days
Company: Credit Plus Inc
State: GA

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Investigation took more than 30 days
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

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 2021-12-22 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 — Investigation took more than 30 days
Company: NORTHWEST BANCSHARES INC
State: TX

Complaint narrative:
In XXXX, i called Northwest Bank to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like Northwest Bank to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX just put a bill for charges they admitted to me over the phone that this amount XXXX was for equipment that was incorrect because they then said I paid off my equipment so I spoke 5 times to XXXX and was assured they would correct this but no I see this today now on my report and I am trying to fight so hard to be treated fairly and have accurate information on my reports with all 3 beaures but I am getting no where just treated very unfair Im XXXX and about to contact the fair treatment for XXXX people this is insanity all I need to complain about

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my credit report in XX/XX/XXXX, rather Experian sent it to me in XXXX, XXXX at no time on the report sent to me by Experian did there note nor was there indicated a repossession on my credit file, I went to purchase a vehicle in XXXX, XXXX and the dealer showed me my report they ran which also showed NO REPOSESSIONS on my credit report. I was denied based on credit utilization and told to get my balances down which I did ; I went yesterday to attempt to purchase the new vehicle again and now all of a sudden, XXXX  is listed a repossession on my credit file which was never there. I am now being denied based on a repo on my credit file. How can these credit unions get away with just inserted whatever they want on your credit with no oversight? This is ridiculous. They can't go back in time to XXXX and all of a sudden add a REPOSSESSION! How is this possible? Experian refuses to investigate this saying " well they said its accurate '' so despite me showing the report they sent me and the report from the dealer from XXXX and the report not where it wasn't there and now it is, no one will help me. Its absurd! I am also filing a complaint with the CFPB regarding Experian inability and unwillingness to look into the matter. I am also requesting a 100 word statement on my credit file describing the shady tactics. I feel my complaint to this office regarding another matter with XXXX reporting inaccurate information on an old account has prompted this vindictive and retaliatory action of all of a sudden inserting and changing along with backdating information. The statute of limitations on this debt has expired and should only be on file for " up to '' 7 years. XXXX is in violation of FCRA and FDCPA. Its ridiculous and unfair. You can seen the report Experian sent me from XX/XX/XXXX there is no REPO listed, you can then see the credit report ran by the dealer in XX/XX/XXXX again no repo listed, then in XX/XX/XXXX you can see all of a sudden Experian has listed a repo on my file that wasn't there previously and it goes back to 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: DC

Complaint narrative:
On XX/XX/2021 I terminated a contract for XXXX XXXX and returned the equipment ( router and EMTA ) via a XXXX store. The next day moved I moved out of an apartment in New York. Also on XX/XX/XXXX a claim for {$120.00} was sent by XXXX to debt collections agency I C Systems. From my XXXX bill for XX/XX/XXXX I can see that a {$120.00} charge for unreturned equipment was added to my bill. Yet on XX/XX/XXXX a XXXX service agent confirmed that my equipment was received on XX/XX/XXXX and no balance was owed. I now have a derogatory mark for an account in collections which has significantly damaged my credit. I disputed the account vis XXXX and they rejected the dispute claiming the debt was valid. 

I have proof of all of this : I kept my XXXX  receipt ; I have billing documents from XXXX ; I have the credit report information showing the account was opened on the day I returned the equipment. I have contacted XXXX who confirm there is no balance owed and are writing a letter to that effect. I have attempted to dispute with IC Systems ( results TBD ). 

I think I will eventually be able to resolve this for my account but it has taken up hours of my time and delayed my access to financial services ( I was trying to apply for a credit card which my current score would not qualify for ). My partner and I also wish to purchase a house next year and this could cost us a fortune ( or months of our lives ) if it is not resolved. Light googling reveals plenty of other people suffer the same treatment and many of them were less fastidious record keepers and are simply out of luck. This is also the *second time* I have had issues with XXXX for non-return of equipment so I know it is routine ( and is why I kept all documents ). 

It is, in my view, extremely unethical and should not be legal to send a bill for unreturned equipment to collections prior to the end of the window for equipment to be returned plus some buffer for things to actually be processed. It is an attempt to collect on debt before it is even possible for it to be owed. I am certain that as a scare tactic it cows plenty of people into paying and pads XXXX bottom line.

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 2021-12-22 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2021-12-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2021-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, i called XXXXXXXX XXXX to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like XXXX XXXX  to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated

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