vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 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: CA

Complaint narrative:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandl ed MY loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgivenes s because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: CA

Complaint narrative:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishand led MY loa n money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: CA

Complaint narrative:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandle d MY loan mone y so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

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 2017-06-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: DriveTime
State: CA

Complaint narrative:
Drivetime is a scam . Car b roke d own for the 3rd ti me on  XXXX   XXXX ,  2017  currently in shop but they will not cover repair. They are at fault car was falsely evaluated.

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 2017-06-13 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: NY

Complaint narrative:
On The ending of XX/XX/XXXX I tried to withdraw money from my Discover credit card account, I did withdrew {$500.00} but I was unable to withdraw more cash. So I mailed out three proof of identification for them to have proof that I was the one who was trying to withdraw cash, so then my account was under review. Til yesterday afternoon when I made a phone call to discover card, they closed my account without letting me know ahead of time! I want You guys to take action to reopen my credit card account please, it 's so stupid of them to close my account for stupid reasons and I feel that it 's not right and not fair! I want this action taken immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with  XXXX  for  XXXX . In  XXXX  we were approved for a HELOC with  XXXX  for approximately  XXXX . In  XXXX  I became unemployed. I was out of work for 3 years. We reached out to   XXXX   many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to   XXXX   many times for help they were unable to assist us.   XXXX   sold our mortgage to Seterus inc in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years.   We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home.

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 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents

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 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
Collections need to be removed from my credit profile score ...   CBE group,  XXXX  collection

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 2017-06-13 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I notified  XXXX ,  XXXX ,  XXXX , and Kay Jewelers, the creditor, that there was an erroneous negative mark for  XXXX   XXXX . This information is inaccurate, as the account was closed and paid off.     Kay Jewelers continues to report this item was charged off despite me paying them directly the amount owed. I made a payment arrangement with them over the phone to pay the account in exchange for deletion ; the conversation was recorded yet Kay Jewelers continues to report that the item was charged off.     The last date of delinquent activity is  XXXX   XXXX , yet the company reported a charge off on  XXXX   XXXX .     It is clear Kay Jewelers is in violation of the Fair Credit Reporting Act, and as of  XXXX   XXXX , have yet to remove the item off my credit reports as it is past the 7 year reporting period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I noticed that I had a negative account show up on my  XXXX  credit report a couple of years ago ( sometime in  XXXX  ) from Syndicated Office Systems representing  XXXX   XXXX   XXXX . I immediately called them to question this since I had never been a patient at  XXXX   XXXX   XXXX  prior to  XXXX , had never received any bills and had no idea this was on the credit report. I was told that I would have to straighten that out with the hospital. I not only called, but went to the hospital in person. The hospital could not locate any records after having to do a " manual search '' since it had been more than two years. This took a significant amount of time and follow  up ( several months ) to b e told that they could not find any records or bills. I have asked Syndicated Office Systems to on several occasions over the past 3 years via their website email to validate this debt. I have never received a response. I have disputed via  XXXX  several times only to be informed that the information has been " updated ''. I just recently sent an email on  XXXX   XXXX ,  XXXX  requesting debt validation, but have not received any response.   I find this extremely distressing since this is causing damage to  my credit score  and my ability to receive the credit I deserve. I am concerned that this is a fraudulent claim from Syndicated Office Systems to collect money from me. I 'm not that stupid as to pay money when I was not a patient. Unfortunately, the idea for these collection agencies is pay or have your credit affected -- extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: DISCOVER BANK
State: TX

Complaint narrative:
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with XXXX, XXXX, and XXXX with no avail. I 've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was approved for a XXXX XXXX XXXX card with a {$22000.00} credit line. I have 50 years worth of credit and a profitable XXXX XXXX with a good credit score. I was granted the credit and after a couple of purchases my card was flagged as FRAUD. I have made several attempts to confirm my identity but Citi 's computer knows me better than I know myself I guess because I was advised that I was not me. I advised in a previous CFPB complaint that the due diligence on confirming my identity should have been done prior to approving me. In an effort to protect my identity, CITI has breached my privacy. I currently reside in XXXX XXXX. I have transitioned my home and business to the address that I used to apply for this card. As part of citi careless investigation, Citi sent a letter of potential fraud to my XXXX XXXX address. As part of this application, I did not disclose or agree to for mail to be sent to the XXXX XXXX address. If my credit file was reviewed, you would have noticed that the XXXX XXXX address is part of my file history for over 3 years. The letter that was mailed to that address was received by my ex wife who was not part of the credit application. Citi has violated my PRIVACY and should not use a COMPUTER to determine a persons identity. If they have a problem with identity theft, they need to have stricter purchasing policies. I was granted credit and then a fraud alert was added on my card for no reason. I have attached my DL to validate my identity. I will tell everyone I encounter that CITI is a fraud and they will violate your privacy

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 2017-06-13 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: TX

Complaint narrative:
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with Equifax,  XXXX , and   XXXX   with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act S  ection 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
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Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: TX

Complaint narrative:
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with  XXXX ,  XXXX , and Experian with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Secti  on 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

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