vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: SC

Complaint narrative:
Im having difficulty contacting Experian. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried Experian upload but it just times out every single time i try. I refuse to contact XXXX  by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or 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 non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received a voicemail from a person claiming to be calling on behalf of XXXX County and was calling to inform me that unless I called them back, they were going to make " multiple attempts '' to serve me papers at my home and place of business between the hours of XXXX and XXXX the following day or and if they were unable to, I would end up missing my scheduled court date. Caller provided me with a case number, their return phone number ( XXXX ), and a name ( XXXX XXXX ). Since this is not the first time I have received a strange call like this, I proceeded to call the XXXX County Clerk and District Clerk to try to verify the case number, check for any court dates if applicable, and find out what the matter was in regards to. After speaking with several different departments at XXXX County, I found that XXXX County had ZERO records of any such case number or my name in their system at all. 

I proceeded to call this XXXX XXXX back at the number provided and he informed me that the call was in reference to an old payday loan debt with a company called Ace Cash Express. This is the same company/debt that I had already filed a complaint against with the CFPB a couple years ago because they called impersonating a XXXX County Deputy ( they even made the caller ID show up as XXXX County ) and threatened to have me arrested if I did not pay the debt. Since this is against the fair debt act, I filed a complaint but the complaint ended up being closed with no resolution because when CFPB contacted Ace Cash Express, they denied the claim/debt was theirs and the debt collector that they had sold the debt to refused to respond at all. CFPB requested additional information since they were unable to get any response but since the debt collector refused to give me any more information I had none to provide and the complaint was eventually closed. 

Now, two years later, I am getting the same threatening calls at my pwork. This time threatening to seize my car and take me to court if I did not pay the debt TODAY, and that if it ended up going to court, that the amount due would be 5 times more than the amount they were asking for now. 

When I explained that I had already filed the complaint with CFPB the last time they called ( to which they had never responded to ), the caller got very angry, talking very fast and threatening saying " they were owed this money '', that they " were going to seize my XXXX XXXX '', and then said " Good Luck in Court '' and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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:
ive sent In copies of my FTc identity theft report asking for corrections to be made.

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 2019-11-19 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: Freedom Mortgage Company
State: LA

Complaint narrative:
XXXX is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with Freedom Mortgage and will remain on my credit report as a 60 day late payment. I contacted Freedom Mortgage and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. XXXX  insist there is nothing they can do because it is information received from Freedom Mortgage. I've filed a second dispute with XXXX and received notification that I could not file a second dispute on the same issue. The inaccurate information remains 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 explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When traveling in XXXX, my primary Bank Of America Premium Rewards Visa Card was lost ( On XXXX ). During a 5 hour period immediately following, my credit card was used to withdraw more than {$2900.00} from various XXXX ATM 's - using the cash advance feature. 

The fraud was immediately reported the next morning ( Within 10 hours ), and after a lengthy process of fraud review - my valid claim has been repeatedly denied by Bank Of America. I have supplied supporting evidence ( see attached ) - and still had my claim denied. I will also note that by the time I was able to submit the claim, my card had already been shut down for " suspicious activity '' - as I would expect. This further indicates the Bank was aware of the unusual spending. 

Various representatives from Bank Of America have indicated that the reason for the denial was related to it being opened as a 'Counterfeit '' - rather than " lost card claim ''. This was due to a error on their part. Even after re-opening the claim under the correct type, it was still denied. 

I have received various reasons for the denial ranging from " Chip and PIN was used '' ( Which is correct, because the card was stolen ) - to " Patterns of spending matches previous account activity '' - this is entirely false, and doesn't make any sense. I've never used cash advances on credit cards, let alone from XXXX ATM 's in Europe. 

Based on the type of card I have ( Visa ) - I should have protection from this exact type of fraud. Bank Of America is refusing to honor my valid claim - and I would like to resolve this. 

Here is a complete timeline of events -- XX/XX/XXXX - XXXX - XXXX - Card lost / fraud occurs at XXXX ATMs XX/XX/XXXX - XXXX Original Claim Opened XX/XX/XXXX - Original Claim Denied ( Letter received XXXX - see attached ) XX/XX/XXXX - Claim Reopened immediately - Denied ( Letter received XX/XX/XXXX - see attached ) XX/XX/XXXX - Claim Reopened again XX/XX/XXXX - Fax sent with supporting evidence ( Notice of delivery attached/ as well as evidence in the form of location data and supporting transactions ) XX/XX/XXXX - Letter Received Claim Denied for wrong amount ( {$5200.00} ). " Based on account history - charges consistent ''. I have never used an XXXX ATM before - left alone one overseas. 
XX/XX/XXXX - Another BOA Credit Card - placed on hold for no reason. Called / couldn't confirm why. Card unblocked - no suspicious charges. Odd behavior. 
XX/XX/XXXX - Called Fraud Dept. Rep noted claim was escalated. BOA has not received my fax yet - account notated. 
XX/XX/XXXX - Called Fraud Dept. BOA has not received fax yet. Advised to resend. No further updates.

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 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: TN

Complaint narrative:
On XX/XX/2019, I received a phone call from 1FILE.ORG. The representative said they could help me with my delinquent loans. I gave her my income information and she said I qualified for much lower payment than what I had with my previous loan company. She emailed me an application that evening for me to fill out and return. She stated that I had a fee to pay in the beginning that would be divided into four payments, then my smaller payments would start. This plan would be reevaluated after one year. My first payment came out on XX/XX/2019. I checked my account yesterday because the second payment should have been deducted. If they took a second payment, it was a little lower than my first payment. I am going to call my bank to see what this payment is because I I don't recognize it. Today I received three envelopes from another loan company ( XXXX XXXX XXXX ). One letter stated that my consolidation was complete As I read the letters, the verbiage was different from what was discussed on the phone. I spoke to a representative from XXXX XXXX XXXX and told her about the arrangements that I made over the phone.. She asked if I was dealing with a third party. I told her I only knew of the company that I spoke to on the phone. She said they do not make arrangements like that. The system shows a XXXX payment plan for me for one year. They have not received any payment from me. She said I needed to call the Federal Trade Commission to make a complaint and see where my money is going. The representative at FTC took my information and stated that I needed to call Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-19 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: SC

Complaint narrative:
Im having difficulty contacting XXXX. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried XXXX upload but it just times out every single time i try. I refuse to contact Transunion by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-19 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:
ive sent In copies of my FTc identity theft report asking for corrections to be made.

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 2019-11-19 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:
ive sent In copies of my FTc identity theft report asking for corrections to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the XXXX XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As a XXXX I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TX

Complaint narrative:
As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One doesn't want to increase my credit limit because of many inquiries on my XXXX, XXXX and XXXX   credit report. 
Inquiries was implemented because of result of getting prequalified for a VA Loan and purchase home. 
I was just recently Approved for a VA Loan and purchasing a home in XXXX, California.VA lender is XXXX XXXX   in California and Mortgage Consultant name is Mr.XXXX XXXXXXXX XXXX fax XXXX XXXX I respectfully need a higher credit increase over {$750.00} as I am going to need items for my new home purchase. 
Also, with a higher credit increase it will help me increase my credit scores. I have a excellent payment history with Capital One for over one year.

Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The Lender, Navient, has on multiple ocassions called distant and immediate family members and stated the purpose for their call. As per the law, they are not allowed to disclose any information that would indicate to the call recipient the nature of the call. This has not been the case. There for they are sharing my personal financial information with others. 

This has occurred several times during the month of XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I disputed Santander Consumer USA for not removing a negative account that has been reported to the Credit Bureaus. It has been seven years since our first negative payment, we admit we were late due to loss of job, but we were able to catch the account up and get it back in good standing, the account was paid in full in XX/XX/2016. We disputed it with all three credit reporting agencies and all that was done was they responded with " we've updated the account to Closed '' ... ..The account was closed in XX/XX/2016 and we are disputing them still reporting it when after XXXX years from he first negative pmt it can be removed from your report. 
We have called this company and they can not give us any information regarding this matter as the account has been closed since 2016. Santander should remove this from my credit report since it has been seven years, but they are refusing to do so, or have any contact with us to explain why they are not removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CO

Complaint narrative:
I discovered roughly one year ago that my identity had been compromised and fraudulent accounts were being opened in my name. I filed a police report and notified all three credit bureaus of the breach. I have written letters to Experian roughly 7 times asking that the fraudulent accounts be removed. Every time I submit a request I am notified that they are " looking into my dispute ''. They then come back and say that the companies have very the debt as accurate but have NEVER provided me an original contract with my signature, any identification I would have had to have submitted, or any proof that I opened and authorized these accounts. They are fraudulent, and should have been removed at first notification. The last letter that I sent was responded too with a letter saying they were going to do absolutely nothing, not even open a dispute or review my information.

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