vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : XXXX  is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2020-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I co signed " 2 " student loans for my son with Salle Mae who then became Navient. When he got to the top end of his loans he fell behind as the interest and payments went up. He ended up having to drop out of school cause he has other loans, a wife and XXXX children. We were harassed for years. One day a woman with a name like a flower  ( I don't recall ) said if he could pay {$98.00} I believe, they would combine his loans and start him over payment wise. I questioned her several times making sure that would be his " new payment for both accounts and she said yes. She told my son the same. WRONG! Big fat lie. What she was doing was creating a " 3rd '' loan that only covered interest and what he was behind. We found out because a week later they took his ACH payment for the 2 loans thus causing his account to overdraft. I called her number immediately only to be told there was no one there by that name. Yeah right. Finally we spoke with a Mr XXXX. He combined all the loans after my son told him I am XXXX and have health  problems. Mr XXXX told us both if my son would make 10 consecutive payments without being late, they would take me off the loans and out of their system. My son held up his part of the bargain and the loans stopped showing up on my credit report. UNTIL my son nearly cut the tip of his finger off and fell behind again. BOOM! Not only did they start putting derogatory remarks on my credit report, they split the loans back in to 3 loans. I had my attorney write them a letter and I stopped hearing from Navient cause they sent it to one of their subsidies XXXX XXXX. Attorney contacted them. Then I start getting calls from a XXXX who sent no letter like the Navient and XXXX but they called all the time but would hang up. I blocked them. I want the agreement with Mr XXXX to hold which means my son started paying on that agreement in XX/XX/XXXX which means as far as those loans are concerned I shouldn't even exist as of XX/XX/XXXX AND THERE SHOULD NOT BE ANYTHING to do with Navient or any of their subsidies!!!!! I know you know what I'm talking about cause you've been filing class action lawsuits against them for years. Just stay out of my credit reporting!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: NJ

Complaint narrative:
XXXX XXXX is reporting false info.Transunion  and XXXX  both stated they have no late paymeny history on my mortgage payments dueing 2019.XXXX XXXX is reporting 5+late payments.There is no available contact info numbers to contact XXXX XXXX.My score dropped 116 points from excellent to fair.

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 2020-01-15 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:
My cashapp account was compromised on XXXX XXXX, in the amounts of Exact amount of the payment : {$500.00}, {$250.00}, {$550.00} & {$150.00} totaling {$1400.00}. I contacted cashapp the did an investigation concluded that the account was compromised and the dispute team would reach out to me. Never happened so I contacted cashapp support back they told me my case was closed because they didnt hear from me. Same things keeps happening. Im getting the run around on them returning my money. Ive contacted my bank theres no way for them to speak or reach cashapp so they advise I contact cashapp to have funds returned. They closed the old account that the funds came out of and instructed me to make a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
On XX/XX/2019 I spoke to XXXX letting her know that has open this account fraudulently and sent all the required documents asked from XXXX. We have contacted Military Star via phone on XX/XX/2019 ; email sent to XXXX XXXX XXXX stating this a fraudulent account ; email on XX/XX/2019 to XXXX with all information - police report, federal trade commission, and CFPB report. Military Exchange still reported to the creditors and we had to file a separate complaint to all the credit bureaus with the information - police report, federal trade commission, and CFPB report. All credit bureaus have removed the item from my credit. Military exchange continues to send letters after multiple letters stating they will garnish my wages. Military Exchange continues to harass stating I am still liable for this debt.

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 2020-01-15 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: MI

Complaint narrative:
I have been on an income driven payment plan for my student loans for several years ( REPAYE program ). Last year ( XXXX ), while my loans were serviced with XXXX I recertified for the IDR program and the amount due for the next year was calculated at {$1000.00} to begin on XX/XX/XXXX ( XXXX until then ).  Shortly after recertification, I transferred my loans to FedLoan Servicing. I payed them {$1000.00} in XXXX, XXXX and XXXX of XXXX and {$1000.00} in XXXX. 

On XX/XX/XXXX of XXXX, FedLoan Servicing sent me a letter to notify me that they had recalculated the amount due under my payment plan and that beginning XX/XX/XXXX, the payment would be {$1000.00}. I called them in XXXX to ask why they recalculated it and for a record of what information they used to calculate the new amount. Based on my AGI and household size, there is no mathematical way to arrive at a calculated payment for the REPAYE program of {$1000.00}. I contacted them again in XXXX to ask about their progress on the information I requested. 

In XXXX I received information, but it did not explain the wrong calculation. I called them that day ( XX/XX/XXXX ) to again argue that that their calculation was incorrect. Two people confirmed that the calculation was incorrect. One did not understand why it was wrong ( and told me that it didn't really matter since it was just off by {$15.00} ) and the other gave an explanation of some sort of error by XXXX ( which does not make sense ) and FedLoan Servicing 's calculation algorithm. I was also told there wasn't a way to change the miscalculation in their system. I was instructed to go to the studentloan.gov website and recertify again so that the correct payment amount would be recalculated. 

On XX/XX/XXXX I received the results of the recertification saying that FedLoan Servicing denied the recalculation. The incorrect payment amount still stands. 

The REPAYE calculation is simple. FedLoan Servicing has calculated it incorrectly. They have admitted it is incorrect. Yet, there seems to be nothing that can easily be done to correct this problem. I will continue to work with FedLoan Servicing to get it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
XX/XX/XXXX and on XX/XX/XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report Exeter Finance llc pull my credit Four Times give me more Inquires so on XX/XX/XXXX saying iam Delinquent and XXXX XXXX , XXXX , ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto 1XXXX, to get our payment in ... Exeter Finance put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
.Iam unemployed from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fell XX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Initial letter to denial for line of credit sent on XX/XX/XXXX : I am writing in response to your decline of my application for a SYNCB Electronics Online account. The refusal explanation letter is dated XX/XX/XXXX the request occurred around XX/XX/XXXX. The reason stated was insufficient or lack of credit history. 
The letter stated that this was based on credit reporting from XXXX  Credit Info Se and XXXX. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total lines of credit 11. Credit utilization 2 %. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total open accounts 10. Credit utilization 1 %. 
This is very disappointing and very difficult to comprehend that you would restrict my ability to get the immediate savings on my {$2000.00} purchase ( that required your credit card ) based on somehow not approving my application based on my credit reports. 
Based on my rights under the Fair Credit Reporting Act I am requesting further explanation regarding why my application was denied. The reason given in your XX/XX/XXXX letter does not appear valid. 

Response from Synchrony Bank received on XX/XX/XXXX : Thank you for your request for a second review of your SYNCB Electronics online application. We remain unable to provide any further details regarding the reasons why the application was declined and are unable to approve your credit request.

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 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
In 2016, I did a regular XXXX  check and half  XXXX  XXXX  in XXXX   XXXX  at XXXX XXXX XXXX XXXX XXXX # XXXX. The appointment for the other half was cancelled due to hurricane Matthew, and I didnt do it. I have XXXX XXXX  at that time, which was confirmed by XXXX XXXX  before they conducted the service. I paid eighty something after the first half of the XXXX   XXXX, which was the amount I was told to pay. Later I got another bill for ninety something. Since it is normal for adjustment of a medical bill, I paid that bill too without asking for any detail. I didnt hear from them until TWO YEARS later and received a bill of more than two hundred dollars. When I called them, the accountant  said I needed to pay the bill and if I had problem I should ask my insurance ( the insurance I had two years ago. ) When I told them what I paid and pointed out that I didnt get any bill for the past two years, the answer from the accountant was I wasnt the accountant  two years ago. 
After I refused to pay, the XXXX XXXX sent the bill to AWA collection. After I received the letter from AWA I contacted AWA and requested for all the details and reasons for additional charges after two years. The only thing I received is a list of charge without explanation. But it seemed that the XXXX XXXX did not collect any money from my insurance. I called AWA again and AWA agency said she could not help even she agreed with me. Early this year, the AWA filed a credit report, which affected my credit a lot. In addition, I found that AWA is still collecting the money with increasing interest even though I didnt receive any letter since I called them. 
This really bothers me a lot. What can I do to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was a XXXX. student in XXXX working on my XXXX. The school suggested I use XXXX XXXX. To the best of my memory the cost was {$69.00} which I gave them my American Express card number. I finished my work with XXXX XXXX. Each year since then I have received an expense to my American Express card in the amount of {$320.00}. Each year I have gone to XXXX XXXX to end the service. Ending the service requires the user to go online access their account and click the button to end the service which I have done. Each year I have disputed the charge with American Express with no resolution. After many years I have had enough. In addition to the expense, I have realized that it is not only XXXX XXXX that I am being victimized but American Express as well. Each year following the dispute, they tell me that XXXX XXXX provides documentation reporting that I have a subscription for the service. I respond that I do not have a subscription. American Express sides with XXXX XXXX and does not provide me any documentation provided to them by XXXX XXXX. American Express reports that they will block this vendor from accessing my account. When I spoke with them and mention that they tell me the same thing each year with no success, they simply say that they can not access accounts older than 9 months. The XXXX XXXX charge from XX/XX/XXXX was just placed back on my account in XX/XX/XXXX. They did offer me reward points. 
I reminded them that reward points are not dollars and that the {$320.00} represents after tax dollars. There seems to be no end.

Company response to consumer: Closed with explanation