vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holst & Boettcher, LLP
State: CO

Complaint narrative:
Went to county court on Thursday XX/XX/2019 and satisfied the debt owed to XXXX. through attorney 's representing XXXX ( XXXX , XXXX XXXX XXXX, XXXX ) located in XXXX, CO. according to court documentation XXXX owes me {$350.00} in overpayments plus interest, which was taken from check dated XX/XX/2019. I have yet to receive. Attorneys claim not having my current address, which is, my current address : XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Today received a call from an unknown number XXXX and I didn't answer it because of these robo scams that are out there ... they didn't leave a message, so I did a reverse look up on the number and it was Portfolio Debt collection. I have already sent them a cease and desist letter stating that they can no longer call me and that they definitely can't call me at work during work hours, which they just did. I filed a a complain a few years ago on this site and I thought things would stop, they did for a while. Now they keep calling me. The debt they claim to have is no where to be found on my credit report, so this needs to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TX

Complaint narrative:
My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  contacted my mother concerning a PayDay Loan from XXXX which I took out from Advance America. They left a message on her voice mail. She called them back. The person she spoke with proceeded to tell my mother about the debt, my failure to pay and that I was to be arrested. My mother is XXXX and terrified. I took care of the debt with XXXX XXXX XXXX XXXX yesterday. I received a call today from XXXXXXXX XXXX XXXX telling me that they had contacted my mother. The lady who called was reticent to provide the address or name. She stated the address was XXXX XXXX XXXX, XXXX GA. My case number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was attempting to call XXXX XXXX app and XXXX the XXXX number, called XXXX and was a victim of phishing. They asked for information and gained access to my XXXX XXXX app account. My XXXX XXXX App was compromised on XX/XX/XXXX. I notified XXXX XXXX App and my bank of the breach. An investigation was completed by XXXX XXXX App indicating my account had been compromised and that I should contact my bank to expedite a refund of monies unauthorized. My bank denied my dispute indicating XXXX XXXX App would be responsible for refunding my money on XX/XX/XXXX. I contacted XXXX   App to again refund my funds totaling approximately {$5000.00}. To date I received a response via email, as XXXX App has no live phone support advising my file was being forwarded to the disputes department and someone would be in contact shortly. I have yet to get a response. I have been without my money for 10 days now and this is unimaginable as a mother of XXXX children. My entire account was wiped out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit 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 non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
They are calling my parents home where I have not lived at for over 14 years repeatedly from XXXX-XXXX none stop. My parents have told them various times that i do not live there and they have continued to call from different numbers at all hours of the day.

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 2019-02-26 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: PA

Complaint narrative:
Received a credit card bill from XXXX  - XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with balance of XXXX due by XX/XX/XXXX. I paid the balance in full by the establish due date. In XX/XX/XXXX, I received another bill for {$32.00} for Interest charge on purchases. I contacted the company through their customer service department and was told it was just a mistake and would be corrected within 5-days. In XX/XX/XXXX, I received another bill indicating a previous balance of {$32.00} with additional fee charges of {$34.00} for a total of {$67.00}. Once again, I contacted the company through their customer service department and asked to speak with a supervisor. After being placed on hold for what seemed like 15 to 20 minutes, I was told the issued had been identified and would be corrected within 5-days.  XX/XX/XXXX, I received another bill with debits and credits totaling {$74.00}. once again, I contacted the company through their customer service department. I was informed the issued will continue to occur until someone on their end can get in front of it. ( whatever that means ). In the meantime, the company continues to report harmful negative and incorrect information to credit bureaus regarding my personal credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX,2019 My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies

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 2019-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A collection that does not belong to me appeared on my equifax report. This has happened in the past and I would submit a dispute, Problem would be solved. 
However this time, I attempt to submit a dispute and I continue to receive a message stating my information does not match and they are unable to process my request and to try again later. 
I have never had an issue before submitting a dispute and none of my identity verification information has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit 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 2019-02-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL, INC.
State: MS

Complaint narrative:
I have not received the formal letters nor 30 day notice letter. I called them and spoke with supervisor on the day I received my first letter stating they would garnish my checks from my current jobs. He stated the informed me about this through mail. I asked for address on file and not was one I Have never stayed at. I asked him the schools I went to had my mom address and mine at least they would of gave u the right address. He apologized and insured me he would stop garnishing process and submit the paper for it. He said it would only stop for 30 days and to call back and speak with rep to set up payment plans. He took my current address and said letters would go out. I still have not received any letters but they have taken my tax refund without notice to. They are garnishing my checks and took my refund I can not even afford to live right now that Im being forced to file bankruptcy all because of a company being very underhanding and withholding arrangements for me to be able to pay.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've contacted trans Union several times regarding XXXX XXXX saying I owe them money on collection. 

They may have had a bill, but the date sure as XXXX isn't XXXX. It's probably XXXX maybe? 

Anyway if the date is corrected they will have to drop it off my credit. 

I've submitted several complaints and requests to get it corrected to trans Union as recently as XXXX   XXXX and of course with the government shutdown I had no one to call to get them to fix their mess. 

So let 's get this done

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 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2015 and XX/XX/2015 someone deposited {$1400.00} and {$1700.00} into my account using my login and password which was not authorized by me. In which my wife use to get her Social Security check in that account we thought it was from SS administration now Ive been placed on the suspected fraud list and cant open a checking account with any bank. It was Bank of America who placed the hold on 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 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Massachusetts Educational Financing Authority
State: PA

Complaint narrative:
When I was an XXXX student I was given a student loan from MEFA, as I lived in Massachusetts at the time. My loan ultimately ended up being serviced by XXXX in Pennsylvania. I am not sure who selected this option, but when the loan was approved for me, the repayment option selected had me start paying my loan back while in school and without the option of forebearance. In the fall of 2018 I ran into a temporary financial hardship. I applied for forbearance for my MEFA account AND another loan being serviced by XXXX. I got a letter saying my forbearance request was approved, with my account # on the letter, leading me to believe BOTH my loans serviced by XXXX were approved for forbearance. Thus, I did not make payments on these loans for 3 or 4 months. I then learned that my MEFA loan was never put into forbearance and my credit history has been negatively affected by these missed payment. I have been trying for months now to have my MEFA loan put into forbearance, for even just 3-4 months, so that I can pay back the past due balance, but to no avail. I am really struggling here and believe MEFA/XXXX  should be penalized. This is not right. I even tried consolidating these private loans with my federal loans, per the option on the XXXX website, but was not able to, despite their site saying I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a female minority, which is currently being suppressed from achieving the American dream by Transunion. Recently, my rental history along with other changes was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home and the opportunity to gain the best rates.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XX/XX/2017 I stopped by XXXX XXXX XXXX to see how approximately how much a new bed would cost me. The head salesman, XXXX, took me to the beds and three other salesmen followed. I was shown the beds and told them I couldn't qualify because I had a car loan to pay first, I just wanted to know how much. XXXX said well l get all sorts of discounts and coupons because I'm the lead salesman and we can get you a really good price. I said howmuch, and he said it doesn't matter because I'll use the discounts. Just sign this and I run a credit check. I failed. So I got up to leave, I was in alot of pain and told XXXX I needed to leave. He said wait just a second, then another salesman came up and said sign this we have another place to check. This happened 3 time so I finally made it out the store.

A few days later, the bed was delivered to my house. I wasn't home but my daughter let them deliver it. 
The next thing I know, I get a bill from Wells Fargo for over {$3000.00}. First I was told Wells Fargo had declined me, which was ok by me because I wont do business with them because of their dishonest business practices and taking out credit cards you don't request. And guess what? I was sent a credit card I did not ask for. 
I called XXXX XXXX and told them to come pick up the bed I did not want it, and I said I had already told you I wouldn't use Wells Fargo because they were dishonest. 
I next called Well Fargo to tell them they needed to deal with XXXX XXXX. 
I called XXXX XXXX again and said pick up the bed within three days or I will put it on the curb. Did not hear back from XXXX XXXX, so I put it on the curb and it was picked up. I did not hear back from them nor did I hear back from Wells Fargo. 
Just an FYI the bed in reference actually sells for about {$1700.00}

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 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last Saturday XX/XX/2019 I did a transactions through the Bank of America ( XXXX ), the amount was {$2500.00} a saved the information from those transaction to check the next business day that was Monday XX/XX/2019.  The amount deposit to my checking account was {$2500.00}, {$3.00} dollars less the information of the transaction print from of the XXXX  app. Today XX/XX/2019 I called Bank of America and spoke with the supervisor XXXX Id number XXXX, at begin of the conversation she advice me that the conversation will be recorded, and the end of conversation after she try to trick me with a lot explanation that doesn't match the numbers. The Bank of America use to deposit my transaction and next day apply the fee on the amount of the transaction. This time Bank of America deposited a wrong amount and apply the fees. I feel robbed. I have the Bank Statement, the transaction and the recorded.

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 2019-02-26 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: SC

Complaint narrative:
I got notified by my employer that there was something on my credit that was a charge off from XXXX but was just added to my credit report XX/XX/XXXX. I called XXXX and they were to be looking at it. It belongs to my dad but my SSN got attached to it somehow. It is for XXXX. It was charged off and shows consumer deceased on XX/XX/XXXX. I talked to the XXXX XXXX and they just give you the run around and tell you that they are looking into it.

Company response to consumer: Closed with explanation