vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I had a fraudulent charge made on my Barclay 's card in XXXX of 2021 in the amount of {$8.00}. As I rarely use this card, I didn't notice until XXXX of 2021 in which I contacted Barclays to notify them of this issue. They closed the account and issued me a new card, and said they would open an investigation in to this. This investigation lasted 3 weeks ending in late XXXX, but I am still showing a balance on my account because of this fraudulent transaction and I have accrued several late payment fees because of it which has negatively impacted my credit score causing it to decrease significantly. I have contacted Barclays several times about this, most recently today, and have been told each time that they will open an investigation to resolve this but it has been several months since this fraudulent charge was made on my card with no resolution.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: TN

Complaint narrative:
I am a victim of identity theft. I received a notice that a debt collector called FOX COLLECTION CENTER with an original creditor of XXXX XXXX XXXX TN has opened an account in my name. I have never been to this medical office. I called and spoke to their office manager and explained the situation and was told to contact the debt collector directly to have the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NC

Complaint narrative:
HAVING PROBLEMS WITH TRANSUNION UNION CREDIT REPORTING AGENCY TO GET TO REMOVE INACCURATE INFORMATION THEY HAVE ME IN THEIR FILE AS XXXX XXXX XXXX XXXX, I HAVE SENT THEM MY ID 's WHICH SHOWS THAT I AM A XXXX, SO THERE FORE THEY ANY DEROGATORY INFORMATION, I AVE BEEN THROUGH THIS FOR TWO YEARS, I AM DEPENDING ON YOU TO HELP WITH THIS, NO MORE PHONY VERIFIED STATEMENTS FROM THEM.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Experian, specifically Experian 's secretary XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.

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 2022-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hi! I am writing about the Navient private student loan settlement plan. I took out student loans, from then XXXX XXXX, from XXXX to XXXX, totally roughly $ 70k to attend XXXX XXXX in XXXX, MA. If i recall, these loans had subprime rates at the time. 
Upon graduation, my bill came due to over {$1000.00} per month. Instead of being offered additional payment options, I was often times harassed for being unable to make payments then placed into forbearance, on multiple occasions. After still not being offered resolution upon the forbearance ( s ), the late fees ruined my credit score at the time, and my accounts were placed into collections ; where I was finally offered a reasonable payment agreement and chances to settle. After faithfully paying my agreements for nearly a decade, my current balance ( of the original $ 70k borrowed ) is {$140000.00}. 

Based on my understanding of the settlement, private loan holders will receive relief if : -Loans were to subprime lenders ( i had barely any income and a co-signer, but my score was low and the rates were high!! ) -Loans taken out between XXXX ( I qualify ) -Loans has defaulted 7 consecutive months ( my loans have been in collections for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: DE

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - Balance - {$7900.00} XXXX XXXX XXXXBalance - Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX- XXXX Balance - Date opened XX/XX/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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for a credit card after i received solicitation in the mail for a Jet Blue credit card. I didn't sign up to receive this. Since i visit my grandmother more frequently and they offered flight incentive i thought i would give it a try, i was denied and tried to reach out to them again for reconsideration and non was given, My federal consumer rights were violated. i was discriminated against and received no equity from this transaction. I also believe that Barclays bank did not act in good faith by offering me something that i would be denied for when i had no interest in the first place. some how i was " preselected '', i didn't sign up for notifications from them. I believe it was because i was on a JetBlue flight returning home from visiting my grandmother. The adverse action has actually dropped my credit score and my privacy was infiltrated. I would like legal action to be taken and full payment for every violation made according to the federal consumer law.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
On XX/XX/2022, I received a bill from American Coradius International, a collection agency, for {$29.00} that they claim I owe XXXX. My XXXX account balance is {$0.00}. I never bought anything using XXXX for that amount of money. I contacted XXXX and they told me to ignore the letter because I do not owe XXXX any money. The bill includes a XXXX account number, but XXXX does not use account numbers. You log into XXXX using your email address, so it's obviously a bogus bill. I read of other people on the XXXX forum who received similar bills. Can't American Coradius International be forbidden by law from sending out bogus bills?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: DE

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} DEPT OF EDUCATIONXXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CL Holdings LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I opened an account with us cellular which since went into collections. As of recently, the debt collector has been reporting the account as open, claiming it was opened on XX/XX/XXXX or around that date. I have been with XXXX XXXX since XXXX. 

I have disputed this account XXXX times as of today, XX/XX/XXXX, XXXX and XX/XX/XXXX. The debt collector is not easily reachable. They are illegally re-aging my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2022 I completed an online application for an American Express credit card. I was denied credit, and the use of my social security number from American Express is fraud because I received NO BENEFITS. I received a letter stating why I was denied and it shows proof of the violation of federal laws towards a consumer pursuant to 15 USC 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a call from a Comenity Bank representative stating my XXXX account payment was late and that I needed to pay them {$81.00}. I did not know what they were talking about because I had not used the card for a year. After they researched it they told me that I purchased a reward subscription from XXXX and that the charge was a little over {$21.00}. I had no idea what they were talking about. I was transferred to XXXX and they immediately reversed the charges because I did not agree to a subscription with them. The representative told me that the same charge was placed on my account in XX/XX/XXXX and that it was removed and should not have happened again however, in XX/XX/XXXX XXXX charged my account again. I telephoned Comenity Bank and told them of the reversal which they were able to immediately view. However, Comenity Bank refused to return the late charges from XXXX to now and they also reported me to all three credit bureaus. I have tried disputing it with them and the credit bureaus, but they are refusing to fix the issue and return XXXX points taken from my credit report. Please help me with this matter because it is not fair that I am being punished for a purchase that I did not make. Sadly Comenity Bank is aware that XXXX applies these reward subscription charges to unknowing, unsuspecting consumers and does nothing to quail this behavior. I know this because the representative who transferred me to XXXX told me so. It was not the first time that she has seen this and the fraud investigator stated the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
In XXXX, Portfolio Recovery Associates sued me for the balance owing ( {$7100.00} ) on a XXXX XXXX credit card. I represented myself in Idaho magistrate court where I denied owing them any money. 
Following a bench trial, judgment was entered in my favor. The court ruled I was not responsible for the debt and dismissed the case on the merits, with prejudice. 
Portfolio Recovery refuses to remove the debt entry from my credit report after disputing with the credit bureaus XXXX time XXXX, XXXX and XXXX. 
I want this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green Square Company LLC.
State: OR

Complaint narrative:
This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX Green Square and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}. 

I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and XXXX XXXX and no one wants to take ownership to resolve this. 

The same day XX/XX/XXXX i sent out registered letters to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX. 
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After being a valued customer with Capital one bank for over 10 years, every single credit card that i had with them was abruptly closed without adequate explanation. This is in violation of federal consumer and credit laws. This has caused me and family emotional and financial stress, as a Consumer who has banked with this company and received services from and given my services to i am appualed at this discrimination. I am the original creditor, and my business has allowed for capital one to receive an abundant amount of money and interest from me banking with them, giving them more business by word of mouth, the ability to extend loans to other consumers, the use of my social security card number to receive funds, insurance and interest from the use of my signature, social security number and applications. all the while they have raised interest fees, added on additional fees and and have closed all my accounts, which have been my very first accounts. I don't believe that Capital one bank has acted in good faith or in inequitable manner for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-17 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: DE

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX NA - Date of Inquiry XX/XX/2021 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 2022-02-17 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: FL

Complaint narrative:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Equifax Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the XXXX was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX XXXX**** Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  ***** Opened Date XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX ( XXXX  XXXX XXXX  XXXX XXXX  ) ***** Opened Date XX/XX/XXXX Balance {$790.00}

Company response to consumer: Closed with explanation