vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I applied for a mortgage in XX/XX/XXXX. My credit report came back showing that I owed XXXX {$150.00} for a landline I had disconnected in XX/XX/XXXX. I knew that this was incorrect information and filed a dispute which was investigated. As a result of the investigation, in information was deemed to be correct, the account was marked as derogatory and caused my credit score to drop about 30 points. This morning I contacted XXXX to attempt to straighten it out. After multiple phone calls, I spoke to someone in the Recovery department. She indicated to me that I have a XXXX   balance with XXXX that was paid in XX/XX/XXXX. I told her I wanted my credit report corrected, to show that I had a XXXX balance and that it was not recent activity. She refused. This may interfere with my quest to obtain a mortgage and I want it corrected as soon as possible. I am very angry that I have FALSE information on my credit report and XXXX won't correct it. This to me constitutes fraud.

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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There was a delinquency in XXXX and XX/XX/2018 with my credit account through bank of america for a late payment. I was not aware. I did not receive any statements or notifications. Also my checking account was closed right before this ( by choice of Bank of America ) and this checking account ending in XXXX was linked to my credit account. When i received this information, i was under the impression that both accounts where closed ( first credit card ever ) until receiving a phone call on XX/XX/XXXX or XX/XX/XXXX stating i owed a late balance. I paid the balance in full and closed the account immediately. Also i updated the mailing address just to be safe because the one that Bank of America had was incorrect. I have never, on any account, had a late payment. I was unaware completely and was not notified. The balance was only XXXX after the XXXX interest was added twice and this is effecting me very badly as well as causing denial on applications.

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 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-26 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I wrote a cease of communication letter to Midland Credit Management requesting that ALL communication be ceased with me, due to harassing letters and phone calls received by them. Midland Credit Management is continuing to send me letters in the mail, which are sent back returned. I am a XXXX veteran with XXXX and XXXX, due to being stationed at the XXXX during XX/XX/XXXX and Midland Credit Management continues to inflict XXXX XXXX on me by continuing to contact me and ignoring my cease of communication letter from XX/XX/XXXX. They are violating my rights under the Fair Debt Credit Protection Act. A copy of this complaint is being sent to the state Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX  There are also inquiries that need to be removed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have a fraud alert on my credit reports due to prior identity theft that requires manual verification of my application submission through a process of calling me at a number listed in the alert to confirm that the application should proceed. This is not a freeze or lock. 

I applied for the new XXXX XXXX through Goldman Sachs.  Almost immediately I received a rejection due to being " unable to verify my ID. '' Typically this results in a " we need more time to evaluate your application, '' followed by a call from an issuer 's fraud department to confirm my ID using their internal verification process, then proceeding to process the application. Goldman Sachs did not attempt to verify my ID and immediately denied the application without following the instructions in the fraud alert. 

I called into XXXX XXXX support, which ultimately ended up in an escalation to Goldman Sachs, who were unable to proceed and could not see the fraud alert on my credit report due to their automated system. Goldman Sachs was also unable to escalate the issue internally, denying that they had a fraud team capable of providing manual verification. 

Worse, the XXXX/Goldman Sachs system publicizes an alternate identity verification process that includes taking a picture of your ID with the device you're applying from - this process was never initiated.

Goldman Sachs advised re-applying, so I did. After a second rejection, I again called Goldman Sachs, and again escalated through four people who were unable to even see the fraud alert, much less process it, and who then suggested that I should remove the fraud alert from my credit reports then re-apply - leaving my accounts unsecured/insecure. 

For an issuer to suggest removing consumer fraud protections from a credit report because their automated system isn't properly built to handle fraud alerts. Past that, they're unwilling to follow established fraud protection procedures and have no manual process in place to validate consumer identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX There are also inquiries that need to be removed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX  XXXX There are also inquiries that need to be removed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: First Data Corporation
State: HI

Complaint narrative:
My problem is with First Data which is a credit card processing company. They proccessed my credit card transactions for my small business, XXXX XXXX Hawaii. 

My contract ended in XX/XX/XXXX but they continued to bill me. They acknowledged that they owe me {$510.00} and said they transferred money to my bank account. It turns out that they attempted to transfer it to my old checking account at XXXX XXXX XXXX which was odd as they've been depositing and debiting money in and out of my current account for about two years prior to this supposed transfer. This was according to XXXX on XX/XX/XXXX, who is one the managers. He said he'd call me back but never did. 

I called again on XX/XX/XXXX and left a message for XXXX to call me back and he didn't call. On XX/XX/XXXX, I called again and talked to XXXX who got my current checking account information and he assured me the money would be transferred to that account. 

On XX/XX/XXXX I left another message with XXXX to call and, once again, he didn't return my call. I called later that day and he told me the money should be in my account on XX/XX/XXXX. 

On XX/XX/XXXX the money still wasn't transferred so I called and talked to XXXX. She put me on hold and said that she walked over to the finance department and watched them transfer the money and it should be in my account within 5 - 7 working days. 

It was never deposited so on XX/XX/XXXX I called and explained the situation to someone who didn't give me his name. He transferred me to XXXX 's line and I got her voice mail but didn't leave a message. I called later that day and talked to XXXX ( I'm not sure I got the name right but it sounded like a female ). She told me XXXX was out to lunch but assured me that XXXX would call me back within an hour. Needless to say, I did not receive a call back from XXXX. 

On XX/XX/XXXX I left another message for XXXX to call me but he hasn't. All the people that I talked to at First Data confirmed that I was overcharged the {$510.00}. Today 's date is XX/XX/XXXX and there is still hasn't been a transfer from them into my checking account for the {$510.00}. 

I have no email trail as you can not correspond via email with this company. Your advise would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX  ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2019-08-26 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:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2019-08-26 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello - I applied for a credit account with Amazon and was denied credit. I subscribe to XXXX credit reporting services,, so I was notified immediately that a hard inquiry had taken place by " Chase Card '' and that the company had pulled my credit report. Okay, so I understand that. This was on Friday, XX/XX/2019. I did not apply for credit following that. Imagine my surprise when I got another alert on Saturday afternoon, XX/XX/2019. The alert said that " JPMCB Card Services '' had pulled my credit report ( another hard inquiry ). I immediately looked up JPMCB and it said it was a Chase company. I looked up customer service so I could find out what was going on and was told that no one is available in credit reporting on the weekends - only Monday- Friday. I was understandably upset as I had not applied anywhere on Saturday. What if someone was attempting to obtain credit under my name, I asked? I was told that they still couldn't help me since it was the weekend. What kind of company in this day and age of security breaches does not have someone available on the weekends? If credit is able to be pulled on the weekends, someone should be available on the weekends to assist should there be an issue. I still have no resolution nor any indication of why my credit would be pulled when I did not ask for it to be, particularly when it was an additional hard inquiry and I do not have an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
This account was fraud, I did not have a deals with this company and never signed any document. Some one used personal information and opened account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: BB&T CORPORATION
State: VA

Complaint narrative:
Regional Acceptance Corporation from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the XXXX Security Breach & the  XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}

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 explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am trying to remove two loan amounts, listed below, from a school I DID NOT attend from my account. and receive reimbursement for any payments that have been made to Navient. 

XX/XX/XXXX XXXX XXXX - Unsubsidized {$9400.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT  Disbursement Date XX/XX/XXXX Original Principal {$9400.00} XX/XX/XXXX XXXX XXXX - Subsidized {$13000.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$13000.00} XX/XX/XXXX Logged into Navient   Student loan account to review status of repayment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Graduated XXXX ). Noticed there was a Disbursement of {$22000.00} on XX/XX/XXXX from XXXX University ( I did NOT attend XXXX in XXXX ). 

XX/XX/XXXX Called and Emailed XXXX University regarding Incorrect disbursement. Spoke with XXXX XXXX / Collection Specialist. " I have a Balance of {$0.00} from XX/XX/XXXX ( See attached ). I had all loans cancelled XX/XX/XXXX as I was enrolled through the employee assistance program at the time and was laid off after my first week of attendance involuntarily. '' I was advised by XXXX to contact National Loan Student Data System ( NSLDS ). 

XX/XX/XXXX XXXX University XXXX XXXX / Collection Specialist recommended I speak with the Registrars office at XXXX option 4 & 6 or the AR department at ext XXXX Regarding loan corrections. 

XX/XX/XXXX I contacted the National Loan Student Data System ( NSLDS ) with my issue and received a Complaint Case Number XXXX. 

XX/XX/XXXX Called Navient to have XXXX University loan removed from my account as It was not correct, I did not attend XXXX, nor take out a loan of {$22000.00}. Was advised to contact their internal Investigative line for loans at ( XXXX ) XXXX. Was net with a mailbox where I recorded my issues as there was no person to answer. I have not received a call back. 

XX/XX/XXXX Called Navient back and was advised to visit the Borrower Defense to Repayment website for Federal Student aid at https : //studentaid.ed.gov to file a claim. 

XX/XX/XXXX Contacted XXXX through XXXX XXXX to have my Identity reviewed for Fraudulent activity at ( XXXX ) XXXX. 

XX/XX/XXXX Removed Auto-pay from Navient and contacted Consumer Financial Protection Bureau again to file a second claim regarding this issue as I have not yet have this resolved.

Company response to consumer: Closed with explanation