vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-28 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: TX

Complaint narrative:
I submitted a credit validation letters to XXXX  and Experian to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that XXXX  and Experian has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX   Unverified Accounts on Experian XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # 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 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I contacted ICS Collection Service twice about a debt on my credit report for {$330.00} for XXXX   bills that did not match with the dates that I was in the hospital. The bills was for XXXX, which was the date that I was released from the hospital. To get this removed from my credit report and to handle this with the hospital I paid the bill by credit card. I was informed by the ICS representative, after the payment is received ICS Collection Service will contact the consumer reporting agencies on the same day to inform the agencies to remove the debt from my report because the debt was paid in full and will send me a paid letter. 

Three days later, I contacted XXXX to verify why the debt was not taken off my report. XXXX representative informed me they had not received any notification of request from ICS Collection Service. There is no message from ICS in their system pending. It was explained, when the collection agency inform them, they remove the information from the report on the same day. 

On Friday, XX/XX/XXXX, I called ICS Collection Services to verify why they did not inform the Consumer Credit agencies, I was told they did. It take the credit agencies 30 -  45 days to remove debts owed from the reports. I explained this was not true. Then XXXX stated he do not know how to call the credit agencies, he just put it in the system. 

This is unfair to me and any other consumer, if we paid the debt it should be removed when the monies are received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX and a fraud alert as been place on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/XXXX until now I have received XXXX I'm overdrafts fee that's are from auto payments that never get paid but the bills continuously get re cycled I have lost 4 payroll checks due to direct deposit and 2 bill cycle behind in credit cards loans mortgage payments all because wells Fargo keeps giving me fees for items I told them to stop payment on and i didn't recognize. This is illegal and fruad I have reached out everyday and they keep giving my account fees then Harrasing me at work iam almost in chapter XXXX bankruptcy and foreclose of my home due to this bank I have been there customer since XX/XX/2007and my account NEVER gas been like 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 monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NC

Complaint narrative:
I had an perfect account with Discover meaning all payments was made on time and usually a payment ahead of time. I had the card since XX/XX/XXXXhad a credit balance of XXXX and only used about XXXX XXXX on the card. in XX/XX/XXXXthey sent a letter saying I can get a consolidation loan to pay off any high interest credit cards. I applied for XXXX XXXX and was told to send proof of income which I am retired so I sent all income I receive from social security also including any other income that's not taxable and I got instant approved and I had 3 cards that was paid off. The very next week I get a call from discover telling me not to use my credit card because they have been frozen and that I need to complete a tax form from the IRS for the past 2 years. I told the representative I been disable since XX/XX/XXXX and won't have filed taxes since XX/XX/XXXX. I also shared with the rep that I had sent in forms from social security as well as a bank statements which I think is personal.and I shared too much personal information already. I went online and signed the tax form to the IRS. I get an email a week or so after asking me to call them and I called them on XX/XX/XXXX and was told my account will be closed because they are unable to verify my address through the IRS because I haven't file taxes in the past 2 years. I told the rep I told them that before and im sure most people that receive social security don't file taxes but we pay our bills. The rep response was that is how they verify addresses. I told her then that's discrimination on anyone that's disable or retired no matter how high the credit score is or how they are able to pay. The company discover will close out their account because they don't file taxes!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: MI

Complaint narrative:
Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX  {$570.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XX/XX/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 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This credit card was tied to my business checking account. In XX/XX/2013 that account was closed by Chase because my business was failing. The shut down that account and failed to notify me. I found out when I went to make a deposit. They were automatically taking the money from my account & didn't bill me. After several years of not hearing from the bank, they turned it over to a collection agency. Suddenly I am getting calls from them about an account I forgot about. They literally shut down my business and never gave me a chance to address this card & the amount owed. It has been 7 years since they stopped taking payments. This credit agency keeps updating the report in an attempt to keep the statute of limitations from running out. This is harassment, as they have not made any attempt at contacting me in several years. This account should be taken off my report at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PR

Complaint narrative:
( 1 ) H

eartland ECSI is the service provider. Their customer service representatives give different information about the matter, no one is consistent with the answer. ( 2 ) I've been making payments to my loan and they rarely report this the credit bureaus. From time to time, they report to XXXX, and when they do, the information is incomplete and inaccurate. In addition, since they rarely report, they remove the account from the credit report, thus constantly affecting my credit history and score. ( 3 ) They only report ( when they do -- and its not on a monthly or bi-monthly basis ) to XXXX. ( 4 ) Their processing fees are ridiculous. No matter which payment method you pick, if it's not a recurring payment -- they charge you a fee. This is a student loan not a title loan or a private loan. This is unacceptable. ( 5 ) They don't communicate effectively. No notifications are sent when amounts are due. ( 6 ) My account homepage lacks so much information that -- I've made payments in full of the amount due -- and 10 days later I login to find a new balance ( {$6.00} ) and there is no statement or description of the new charge. ( 7 ) The information reported on this account is inaccurate -- balances, payment history, payment am
ounts, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX   XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 
- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.

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 2020-01-28 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: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. - what I did? 1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. - current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down XXXX point. 3- I can't take any loan because of the big decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On a trip to XXXX on XX/XX/2019, I had an eight hour layover in XXXX. I used my credit card in a few places, however they were 12 ATM withdrawals that I did not do. 4 at one bank in 4 minutes on XX/XX/XXXX, and the other 8 at another location bank in 8 mins on XX/XX/XXXX. A transaction every 60 seconds. I actually left XXXX early evening in the XX/XX/XXXX. Initially the credit card company credited my account and told me it was a computer glitch, then they reversed it and put the charges back on my card. I have called them numerous times and tried to explain I was in XXXX when the withdrawals were done in the XX/XX/XXXX. I even used my card in XXXX. I was told by a supervisor that I could have given someone my card to use and then they brought it over to XXXX. Its absurd what I have gone through with Barclay. I have even called one of the Barclay banks in the XXXX where one of the ATM transaction was done but they told me Id have to go through my bank in in the US. I know the banks in the XXXX would have cameras so if someone did use the atm with a cloned card they could be identified. I just cant get a sensible person at Barclays to talk to. Our many conversations go round in circles with them telling me I probably gave my card to someone to use. I have been with Barclays for several years and Ive never missed a payment or had an issue, but they are just refusing to help me with this issue.

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 2020-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
The company closes my account without my consent. I will not pay them. I want you the company stop calling 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 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email allegedly from CapitalOne with a subject, " Congratulations CapitalOne Customer. '' The problem is, neither my husband or I have a CapitalOne card, nor do we have any other kind of financial relationship with CapitalOne. I do not know if the supposed account is in my name alone, his name alone, or if it is an alleged joint account as we do not have a CapitalOne account. I opened the email, but I did not respond or go further. 

On XX/XX/XXXX, I received an email again from allegedly CapitalOne with a subject, " Expiring Soon : Your {$50.00} CapitalOne Reward. '' I did not open the email. I just flagged it with a question mark. 

Last night, XX/XX/XXXX at XXXXXXXX XXXX, I received an email again saying that it was from CapitalOne with the subject, " Congratulations CapitalOne Customer. '' I opened the email and was going to reply with the note that I was not a CapitalOne Customer and asking why I was receiving the emails. However, I thought better of it and did not reply or open the email any further. 

I am concerned that this is a scam and, although it does not appear to have affected me at this point, although I am not sure about that, I believe it should be looked at because if this is being sent to many people and by opening the email, or going further with their bait, someone's identity or finances might get compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Date : XX/XX/XXXX Amounts : None Actions : I spoke to a representative at the beginning of XXXX. ( Sorry I don't have a specific date for that conversation ) They indicated that I did not have to make a payment until XX/XX/XXXX. I asked them if they were sure and they said yes, that they were completely sure. To call back after that date to restart my payment plan. Not even two weeks later I received 4 letters ( one for each of my loans ) stating that my bankruptcy was closed and repayment was to start immediately. That was the purpose of my call on XX/XX/XXXX. I called the number that was at the bottom of the letter ( which apparently after waiting on hold for 10 + minutes was the incorrect number, that was for federal loans not private. So they transferred me to the private loan department. They indicated that yes I was back in repayment. When I explained to them about what I explained above the representative didn't even care at all she said, and I quote " Well, anyways. '' And continued to ask me for a payment. I explained that I was on a repayment plan. She stated that she had to transfer me over to another department that handles that, and that she was going to notate the account so I would have to give my information all over again to the next representative that I spoke with. She transferred me, and the next rep that I spoke with asked for my info. And when I stated that the previous rep said she was going to notate the account so I wouldn't have to give my information, he said that they don't do that and not sure why she would tell me that. He then stated that he deals with accounts that are past due ( mine wasn't ) and that he would have to transfer me over. Again his attitude was that of not caring at all. He transferred me over to the final rep that I spoke with who was kind and finally got me take care of. He didn't have an answer for the misinformation that I received either. 

Here is my main complaint. Navient doesn't seem to care at all about the customer. This is only one example of incorrect information that they have given me over the past several years. They can treat the customer any way they see fit and with no repercussions at all. I feel helpless and completely taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contact XXXX  Equifax XXXX  I did told them I did not authorize all the inquiries on my credit report I did send them my 3 police report already i said to them I am a victim of identity theft they do not care and they will not help me I tried to call them around 30 times already but no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: MI

Complaint narrative:
Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXXXXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: MI

Complaint narrative:
Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} 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 non-monetary relief