vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
This is not my account and I did not authorize services at this address at the time. XXXX XXXX reached out to me somehow with this information. I went to file the police report in the statement below. I went to the police station and they advised me to not fill out a fraud affidavit since it seems like the company is trying to pin this on someone, when the matter should be between the landlord and the company. XXXX XXXX did not see that services were on and unpaid for 3 years. I attempted send the statement below to XXXX XXXX with complaint # XXXX on XX/XX/XXXX of this year. It was sent back as invalid or not reachable to XXXX  XXXX. Here is what I sent : XXXX XXXX Account # XXXX Police Report # XXXX XXXX XXXX  XX/XX/XXXX I used to have services connected with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX  XXXX from dates XXXX. My previous boyfriend, Mr XXXX is the actual lease holder of each address and I am a lease holder at XXXX XXXX XXXX XXXX XXXX handles my current XXXX XXXX bill. I received an alert from XXXX XXXX that I owe {$1700.00} and that my services were shut off around mid XX/XX/XXXX. I was contacted by XXXX 's XXXX once I called them to get a copy of my current bill ( handled by my landlord ) in XX/XX/XXXX. I was told my services were disconnected in XX/XX/XXXX. I have been in a different address since XX/XX/XXXX. According to XXXX XXXX XXXX, in order to connect services the address would need to be recorded as XXXX XXXX XXXX XXXX instead of the recorded address of XXXX XXXX XXXX. The Landlord at the address notified the resident of this. I had this utility in my name since being in a relationship with Mr XXXX to assist him in keeping his public housing voucher. I am no longer involved with the resident, even as a friend. From what I remember, the resident was in the hospital getting treatment for XXXX XXXX   around XX/XX/XXXX and was released XX/XX/XXXX. I lost contact with him mid year and he notified me that he returned home and his belongings were no longer there. XXXX XXXX XXXX was connected there from XX/XX/XXXX-XX/XX/XXXX before it was disconnected. 3 years is a long time to have services with no payment and disconnection. I was not aware of the bill being in my name because my property management company handles my gas bill. I moved into my XXXX location starting a new lease on XX/XX/XXXX. This issue may need to be taken up with the landlord and I should have been contacted sooner to handle this matter. Instead, the bill has festered and the balanced was gradually increasing. I disconnected services in XX/XX/XXXX. I just spoke with the company today to get info on where to fax documents and they stated that a credit representative was not able to reach me at the address on file and I should be receiving a call from them later. 

Please contact me with any other questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a complaint against AMERICAN EXPRESS.The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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: VA

Complaint narrative:
The account was in collections with XXXX XXXX  XXXX and is paid in full as the documents I have uploaded shows.

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 2020-04-01 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: SC

Complaint narrative:
MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED TRANS UNION ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST TRANS UNION, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..

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 2020-04-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX  FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT  TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..

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 2020-04-01 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: GA

Complaint narrative:
Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting XXXX XXXX XXXX on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from XXXX XXXX XXXX. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called XXXX XXXX XXXX again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with TransUnion Credit Bureau. XXXX. XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??

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 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I called Zales to pay my bill in full not including late fee, I asked to have late fee waived since I am going through financial hardship due to pandemic and I am pay all my bills to prepare myself for the worst, however I can not afford to pay late fees I been home until further notice, unsure of when I will get paid again. I spoke with XXXX or XXXX  who is an Account Manager for Zales in which she refused to provide at least her employee number and phone number, I asked to have late fee be waived she refused to help me said there was nothing she was able to do because late fee waived back in XX/XX/2019. I made her aware of my financial situation and that I was trying to pay balance in full but did not have enough in my account to pay for late fee. She did not care and said I could pay another time. Another time I can be reported to the CBRs or possibly I will not have the money at all. She did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is a complaint against CCS.The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
My medical provider, XXXX XXXX ( XXXX XXXX ) in XXXX, IA had an agreement with XXXX XXXX XXXX, among other XXXX, to bill patient insurance and collect what they could and discharge the remaining balance. Patients were instructed that they would receive up to 3 invoices from XXXX XXXX XXXX, but to disregard and not pay. Previous services had gone as explained - the invoices came, insurance paid some, the remainder was discharged. In mid-XX/XX/XXXX something changed between XXXX XXXX and XXXX XXXX XXXX, but patients were not informed. XXXX claims they were not informed either. Patients, including myself and my husband, began receiving debt collection notices from Transworld Systems , Inc on behalf of XXXX XXXX XXXX. Transworld was collecting for services rendered in XX/XX/XXXX. I paid the debt in the amount of {$100.00} to XXXX XXXX XXXX, as instructed in the notice. Check # XXXX dated XX/XX/XXXX. ( I have a copy of the cleared check image, which I can provide if needed. ) I continued to receive daily collection calls from Transworld until XX/XX/XXXX. I spoke with XXXX of Transworld on this date and explained that I had paid the debt, provided the check details and date, and told him to take me off their calling list and that any further contact would be a violation of law. Today, XX/XX/XXXX I received a written notice from Transworld for the same debt which I paid back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a credit card that was missing but lost in my house and Capital One said they were sending me a new one but never did. 
It was XXXX or XXXX but I do not know the entire number as I never received it. They are sending other bills to me but never gave me credit for a {$30.00} payment I made on the first of XXXX on my bill. I am not sending them any more money as they breached their contract and never sent me a card but have my address of XXXX  XXXX XXXX, XXXX XXXX, Florida XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
Almost any other loan servicer is offering deferment for consumers during this pandemic. Loancare is only offering forbearance and they refuse to answer if you question if they will do a loan modification at the end of forbearance. If I can not afford my mortgage this month how am I going to have a couple months worth in full at the end? If they truly cared they would offer some assistance other than racking up a huge bill and foreclosing on houses when the pandemic ends. I am more than willing to let them collect my interest during deferment but they wont even consider 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 2020-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/2020, the CARES Act was signed into federal law indicating that borrowers with federally backed loans would have their payments suspended through XXXX XXXX, 2020 and the corresponding interest waived. As for borrowers in the Public Service Loan Forgiveness Program ( PSLF ), the law clearly states that each month of suspended payments would count towards the 120 required payments under this forgiveness program. 

My loans are handled by FedLoan Servicing ( FLS ) and I am enrolled in the PSLF program. As of today, XX/XX/2020, FLS has not updated the information on its website reflecting these changes implemented via federal law. In fact, FLSs website currently ( and erroneously ) states that suspended payments will not count towards the PSLF payoff. Ive also contacted FLS at least three times in an attempt to get guidance on  how to proceed since my loan payment due date is swiftly approaching. The customer service reps have either been completely unaware of any changes to be implemented under the CARES Act or have provided guidance that is clearly contradictory to the text of the new federal law. Other customer service reps have repeatedly recommended emergency forbearance which is different from suspension ; forbearance would disqualify skipped payments from being counted towards PSLF. 

FLS is purposefully misleading customers about options available during this time of financial instability, and also withholding important information that impacts the financial status of thousands of borrowers. FLS has also failed to provide borrowers with a clear timeline regarding implementation of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: VA

Complaint narrative:
These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: VA

Complaint narrative:
These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.

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 2020-04-01 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: VA

Complaint narrative:
These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.

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 2020-04-01 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: GA

Complaint narrative:
I have two charges on my account one for a photographer and one for a videographer that I never authorized. However, every time I dispute it and appeal it they deny it every time. They are not protecting me the customer at all. I have not been rendered and service nor received and service for these charges that werent  authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
This is an UNKNOWN account. I have never had an account with XXXX which you mentioned that I have debt with. I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation