vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I found out this week that XXXX  has been submitting my credit report information to Comenity Bank twice a year for no reason what so ever. Since XXXX  has done this, my credit limit has been lowered on two of Comenity Bank 's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX  and XXXX ( both are Comenity Bank Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what XXXX  had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, XXXX  did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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 that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
you wrote me about my address not being right or that you need proof of the address that you have for me these are all the same address they are just written in different ways but are the same address XXXX XXXX   XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX and XXXX are same BORO you will not get any ID or utility bill from me so keep sending all correspondence to the address that is on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are multiple accounts on my credit report that I have not opened and have not authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WA

Complaint narrative:
When we moved into the apartment our Landlord promised us it would be move in ready, and had us sign paperwork that it would be, It wasn't, it was dirty and mold infested and had furniture and garbage still in it. When we moved in it was not livable but we had limited options as my wife was XXXX  at the time. He tried to bribe us to clean it out and move furniture out and maintain the garbage by the mail slot by promising to write up a new lease with a reduced rent. A new lease was never written so we reported the apartments condition to the health department which required him to perform another inspection with updated responses. After that he started treating us poorly and delaying repair orders. I paid my rent on time for the next few months before I lost my income. I went on XXXX Leave in XX/XX/XXXX, and when I returned to work in XX/XX/XXXX they took all my hours and had to look for other employment and was unable to pay rent. I tried to work with our Landlord to give him all the money we would owe him once we got our tax returns, he agreed to those terms but within 2 weeks served us a Pay or Vacate Notice. We since discovered a collection account opened against us. Of the XXXX they have in collections for us XXXX of it is for rent that we owe and are willing to pay but the rest in listed as for " remodeling '' which should have been done before we moved in and we do not feel should be our responsibility.

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 2020-02-01 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: NJ

Complaint narrative:
These accounts on my report are unauthorized and unverified and I would like them removed immediately

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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Appeal appeal appeal cfpb Re Experian I have attached all the 4 names of different variations that have been sent to me since my initial report pulled up online XX/XX/XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received attached emails stating valerir name attached to a membership id # XXXX XXXX XXXX I received email another email with the XXXX  name regarding experian credit works THANKS FOR CONTACTING THEM. I have only been able to communicate with experian thru the cfpb due to either non answering looping automated phone system that won't transfer you to a human or no fax number answering of the three different phone numbers of experian credit reporting agency listed online. 
Here are the screenshots of four different names that experian has reported me under. the question is again experian ... why is my personal US CITIZEN NAME been either changed by unknown entity or person or experian is reporting me under FOUR NAMES. THEY ALL HAVE DIFFERENT INFO on them. One actually deleted the fraud XXXX XXXX XXXX loan # XXXX at XXXX pet month that I was disputing but IT WAS A XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX VA LOAN # XXXX AT {$680.00} PER MONTH that needs to added. Please experian advise me Is experian reporting me under 4 different spellings and versions of my name XXXX XXXX XXXX XXXX XXXX OR ... did someone contact experian and fraudulently change my name four times in one year ... Simple question experian ... please answer it ... XXXX.also who is the creditor SO I CAN CONTACT THEM as per your suggestions online under experian as per attached screenshots of that verbiage stating I quote ( IF THERE IS A WRONG ADDRESS ADDED TO YOUR REPORT IT MAY BE  A SIGN OF FRAUD AND IDENTITY THEFT!!!!!!!!! EXACTLY EXPERIAN MY IDENTITY THEFT is registered with the FTC AND I REPORTED TO EXPERIAN IN XXXX XXXX XXXX!!!! ) that reported a fraud address of XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX name experian 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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are accounts on my credit report that I did not authorize and are unverified.

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 2020-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I recently refinanced my mortgage and was assigned to LoanCare. I was shocked to find out that they charge you a penalty to pay online if you do not pay your mortgage within the first 4 days of the month. A traditional late penalty applies after the XX/XX/XXXX, but if you pay your payment online between the XX/XX/XXXX-XX/XX/XXXX it is  {$5.00} and if you pay it the XX/XX/XXXX-XX/XX/XXXX it is {$10.00} and if you pay it after the XX/XX/XXXX if is {$10.00} on top of the late fee. The bill is still on time any time between XXXX of the month. If my bill is on time, why and I being penalized? It does not seem legal to charge a penalty for simply paying online. This is an unfair and deceptive practice, especially when I have no control over my mortgage company ( which is an entirely different issue ). Homes are ( for the majority of people ) the largest purchase and largest bill and it is crazy that you not have any control over who services your loan. 

When I was first assigned LoanCare I went online and was surprised to see they have one star reviews on any type of review platform. I've yet to have some of the issues others have complained about, but as a consumer I should have more choice as to who services my loan and should certainly not be penalized for paying a bill online.

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 2020-02-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Yes Good day I spoken to capital one last weekXX/XX/XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX  etc. 1 ) I was asking to trouble shoot on line to change myo password., But it didn't work2 ) then I call to compaint about this and they will try, didn't work. I wanted to update my information. There weren't helping on line technical problems toward me. They're never charge anyone, any over the limit fee or late fee. 3 ) Well they change my due date screw up without telling me. I call them to fix it to change my date again it take 1 or 2 months. Well they kept XXXX  my acct with late fee .this is harassment. My XXXX XXXX has arose. They try to remove some late fee but now I can't use on line to change my password.so when I got a change to call they refuse to help me on line. And they couldn't send me a text with my new number and. they're lazy to remove my old numbers when I was changing in the past. Text was unsuccessful nobody trouble shoot it. Wasting my time.again all phone if it has texts option it should work period. No explanation again.again my acct is over the limit because of them and them sabotaging my acct, harassing me. Now there asking to send if by mail not going to do this. So they can say I didn't get it.I always did a change on line with using my cvc codeof back of credit card to change password. We can't have businesses who are hurting us consumers meanwhile there making money. They need to fix on line changes using cvc code again.i like to have 2password one for date of birth and social security.so I can have a peace of mind and security on my side not for then for my nearby neighbors, stranger on phone listening to me talk..there phone line don't offer security on phone against outside criminal listening. I demand 2password to be verified .when we all have stress free verifying with better option. They Need to fix trouble shoot on line change of password. So now they added extras charges .never had sent me no letter about change of my payment. I will pay on the XXXX. Again.thank you for helping all depend password s over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEMS INTERNATIONAL is not mine, they have me mixed up with another PERSON USING XXXX XXXX. I have never used them concerning medical debt. I ask them to contact the right person and not bother me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: CO

Complaint narrative:
I submitted a complaint to FedLoan Servicing in XX/XX/XXXX demanding they review my account and phone call recordings because I was given the wrong payment estimate when I called in XX/XX/XXXX and asked about enrolling in a plan that would be eligible for PSLF. They failed to account for my family size and spouse 's student loan debt and said my payments would be way higher than I could afford, so I didn't enroll in that plan. When I spoke with a rep in XX/XX/XXXX they estimated my payment under an eligible plan and it was almost exactly the same as the payments I had been making all along. 

Ever since my complaint, I haven't received any updates on whether or not they will count my payments towards PLSF or not. And even now that I have been in a REPAYE plan for over a year, the number of " eligible '' payments reported on my account for PLSF is 4. Just 4. I've been repaying on these loans and working full-time for a XXXX XXXX XXXX for 5 years. I should be half way done with qualifying for PSLF. 

I have notes from a call I made to FedLoan on XX/XX/XXXX where they informed me I was and had always been on a Standard repayment plan. I spoke with the following reps : XXXX, rep ID # XXXX XXXX, rep ID # XXXX What's worse is that the REPAYE is horrible. I'm looking at my payments and only {$30.00} of my $ XXXX/monthly payment is going towards principal. If I'm not going to ever get PSLF, I want to stop paying {$370.00} in interest to FedLoan every month and refinance with a better company into a standard repayment plan to just get it paid finally. 

I've called FedLoan 2-3 times per year and everyone has said " they are still reviewing/researching your account ''. Well, 2 years later I'm not going to wait any more. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo contacted me in the Summer of 2019 indicating they believed my card was being used fraudulently. Multiple charges were being made in XXXX, MD, my home is in Pennsylvania. Of note, I do not have a cell phone, I have a land line only at my home. As such, when they called I was home to receive the call. I indicated those were not my charges. They informed me that they had received a change of address and had then sent a new card to the new address, it is a boarded up row home in XXXX. I told them I have not moved and had not requested a new card. The card was closed and I received a new card. A few weeks later I received a letter from Wells Fargo they had reviewed the charges and determined they were mine. I called the company to dispute this, again, I was home in Pennsylvania when they initially contacted me, I was told I had to submit a rebuttal in writing. I immediately wrote a letter and sent it to the address they provided. A few weeks later I received a bill with late charges. I again called to ask about the status of my rebuttal. They claimed they never received my letter and I needed to submit a new one via fax. I printed my letter and took it to the Wells Fargo office in XXXX, PA. To date I have not received an answer, but did receive another bill telling me I am delinquent and they were closing my account.

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 2020-02-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. 

Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. 

Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX  while traveling internationally in XXXX, my bank card was stolen. When reporting the theft to my bank I was told that I was being locked out of my account with no way of being able to access the account. When returning to the United States and entering my bank location on XX/XX/XXXX I was refused service when requesting my bank statements from the previous year dating from XX/XX/XXXX by XXXX XXXX bank manager of TD Bank id number XXXX, consequently I closed my account. I believe TD bank which claims to be america*s most convenient bank acted with malice and discrimination towards me and i will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Innovis
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: LEXISNEXIS
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Clarity Services
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: FactorTrust, Inc.
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation