vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: MS

Complaint narrative:
I took a look at my credit report and I have noticed false and incorrect daya reporting on my credit report.

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My bank sent a loan proceeds check to pay off an account with Synchrony Bank and close an account. The account was paid in full and closed ( receiving a closed account letter ) and 35 days later Synchrony Bank said the payment was returned. They cant tell me where it was returned or why. My bank XXXX has called Synchrony several times explaining they didnt return the funds. I have been trying for 5 months to get it resolved. I have spent about 14 hours on the phone trying to resolve this and NO ONE at Synchrony can help 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 monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Financial Credit Services, Inc.
State: NH

Complaint narrative:
This is not the first time I have been contacted by American Financial Credit Services about a supposed tax bill that I supposedly have with the XXXX County government. I lived on the property as a renter from XX/XX/XXXX-XX/XX/XXXX, and my sister, XXXX XXXX ( then XXXX  ), and her former husband, XXXX XXXX, were the sole owners of the house. I never had any financial stake in that property other than paying rent to my sister. The address is XXXX XXXX XXXX, XXXX XXXX, SC, XXXX. I did not respond to them the last time they contacted me and left me a voicemail with the same claim. I called the XXXX County tax collector 's office directly to find out why I had been referred to this debt collection agency and they said they had no idea what I was taking about, they had never referred me to a collection agency, and I was never listed on the deed or mortgage for the property. I ignored the last voicemail this company sent me, but this time, I need them to stop contacting me about a false tax debt. The caller 's name was XXXX with a reference # XXXX and he said to call him back at XXXX ext. XXXX. However, the call number on my caller ID was listed as XXXX. I submitted this complaint through the FTC on XX/XX/XXXX, FTC Report Number # XXXX. 

I recently received another voicemail from the same company on XX/XX/XXXX regarding the same supposed debt I do not owe. This time, the caller identified himself as the same man, XXXX, with the same contact information - different caller ID on my phone vs. the phone number he told me to return his voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Starting in XX/XX/2020 I have attempted to contact the U.S Department of Education, the loan servicer, dispute resolutions group, and various other entities that I have been referred to without success. I have been continually advised to contact various different entities within the U.S Dept. of Educations system creating an endless loop of calls resulting in hours upon hours of wasted time without any resolution. I have requested the necessary forms to file a dispute which have been outright denied in several instances, and when I finally spoke with someone who agreed to send out the forms I never received anything. On XX/XX/2020 XXXX I was advise that per federal legislation my tax offset would be refunded to me within approximately 6-8 weeks. On XX/XX/2020 at XXXX I contacted the U.S Department of Education to check the status of the refund as I had not received it nor did I receive any communication at all with regard to the complaint I filed regarding this issue on XX/XX/2020. Not only was I advised that the case associated with my complaint was closed without my knowledge I was told that there was no information regarding the refund and was again told to call the dispute resolution group. The tactics used by both the U.S Department of Education and its affiliate creditors are an obvious ploy to not disclose pertinent information to the borrower per federal law. To date I have received no information regarding the erroneous " fees and costs '' assessed to my loan totaling more than $ XXXX in one year alone in addition to the interest. The source of these fees has never been disclosed and is NOT attributed to and penalties or late fees as their very own statements show that no penalties and late charged have been added due to the over $ XXXX in payments they have admitted to receiving in XXXX alone. My requests for hearing have gone unanswered despite numerous calls, faxes, and letters requesting administrative intercession and mediation.

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 2020-05-11 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: LEXISNEXIS
State: WA

Complaint narrative:
LEXIS NEXIS HAS REPORTED INCORRECT ( FASLE ) INFORMATION AND NEGLECT TO CORRECT THE ISSUE. THEY HAVE ALSO REFUSED TO CORRECT MY NAME AS IT WAS USED IN FRAUD IN SEVERAL DIFFERENT STATES. I WAS BORN IN WA STATE UNDER THE NAME XXXX XXXX XXXX. I HAVE A BIRTH CERTIFICATE AND A PASSPORT TO PROVE THIS. I HAVE LIVED IN MY CURRENT ADDRESS SINCE XXXX IN WA STATE OF XXXX XXXX XXXX XXXX XXXX WA XXXX WITH THE PHONE NUMBER OF XXXX. 

DUE TO THE NEGLECT OF ADDING OTHER XXXX XXXX AND XXXX XXXX TO MY REPORT ROM DIFFERENT STATES, THIS HAS CAUSED ME DENIAL OF CREDIT, HIGHER INSURANCE AND TONS OF SCAM PHONE CALLS TO MY ENTIRE FAMILY, SPOUSE AND ME IN WA STATE. LEXIS NEXID NEEDS TO CORRECT ALL ISSUES ASAP AND SEND ME A CORRECTION REPORT. THIS HAS BEEN TWICE KNOW THAT I REQUESTED THIS. THE LAST TIME I DISPUTED INFORMATION AND REQUESTED TO HAVE REMOVE WAS IN XXXX. LEXIS NEXIS KEEPS ADDING ON THE NAME XXXX, AND XXXX FROM DIFFERENT STATES. I WOULD LIKE TO HAVE THIS CORRECTED AND MY LEXIS NEXIS REPORT FROZEN WHEN IT IS COMPLETED ON FIXING ALL THE ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-11 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:
I have been reaching out to TransUnion and XXXX about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of 2019. XXXX and TransUnion told me they verified with a company but I sent a letter in XXXX with method of verification to both XXXX and TransUnion and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.

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 2020-05-11 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE DISCOVER PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I have had this loan since the early XXXX ( see attached documents ) for about 40 years. I and only have 90 credits. Half are the credits, I founded out later, will not apply to a business degree. I am owing XXXX {$25.00}, XXXX, plus FedLoan {$49000.00}, which is a total of {$74000.00}. 

I believe that I was subjected to confusing advertising, marketing, high pressure sales tactics, financial aid services deception, and misguided counselors. Presently, I am a XXXX year old and as a senior, is going through much hardship. I loss my job because of the Covid19 virus, after contacting the virus. It has been 10 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment compensation. 
This loan have been a heavy burden and a hardship on my credit report and livelihood. I am requesting that the loan payment be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In late XX/XX/2015 till the end of XX/XX/2015, Ive had a mortgage with Wells Fargo Home Mortgage, during the months of XXXX and XX/XX/2015, I went through a re finance with XXXX XXXX XXXX XXXX, my original monthly payments with Wells Fargo Home Mortgage were {$2700.00}. 
I have made payments to both Wells Fargo and to XXXX XXXX XXXX, even though the loan was taken over by XXXX XXXX XXXX, Wells Fargo decided to give me a thirty days late payment on my XXXX credit report, even though I had made payments and the loan was paid in full by XXXX XXXX XXXX The payments were due on the XXXX of each month, XXXX XXXX XXXX took over the loan on XX/XX/2015 2015

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 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: ID

Complaint narrative:
My complaint is with Cedars Business Services based in XXXX, CA phone XXXX. I have repeatedly informed them that this debt has been paid directly, and let them know that they are calling me on a phone used for work during business hours, that the debt was already paid, and requested no further calls. They refuse, and continue to call me on a daily basis, for months on end. I have no recourse on how to end the harassment. They insist on calling me no matter what I tell them and will not stop. I have let them know I am filing a complaint and wrote this complaint while on the phone with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am the owner of a Bank of America Credit Card. I noticed in my statements that the Bank Of America added an {$1.00} fee to my statements. 
My card has a zero % interest rate. 
I called the bank on XX/XX/2020 at XXXX XXXX and asked about the {$1.00} fee. 
The banker responded that the fee was an interest. 
I asked the banker, to show me, on the statement where it says, i have to pay any interests if my interest rate is {$0.00} ( zero ). 
She referred me to the first paragraph of the statement where the word interest not fee is being used. 
in that statement it states that if I have a balance on my credit card that interest might be charged, it does not say that a fee might be charged. 
According to the Bank Of America representative there is no difference between an interest and a fee. 
On one hand, the statement says that i have a zero percent interest on the other i am being charged a {$1.00} fee because of interest. 
The Bank is intentionally misleading consumers by confusing the terms : fee and interest. It is also confusing consumers by not disclosing that so called " fee '' to consumers when they apply for credit cards. 
Bank of America is doing false and misleading advertisement. How can they advertise the credit card as a 0 % percent credit card when in fact they are charging interest by calling it a fee?

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 2020-05-11 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:
I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE XXXX PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH 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 2020-05-11 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:
I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE XXXX PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH 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 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/1985 to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : FEDERAL ADJUSTMENT BUREAU INC # 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed my credit card without warning or notice. My last charge was XX/XX/2020. 
I lost about XXXX reward points. I would like either a statement credit or to be able to transfer the points to a travel partner.

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 2020-05-11 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: MI

Complaint narrative:
I have disputed XXXX XXXX XXXX card for 2 yrs with Experian, XXXX and XXXX because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One authorized my balance transfer request which took 2 months for my credit Union XXXX XXXX to cash incorrectly to unclaimed funds account as Capital one registered the incorrect information. The Routing # was entered into the Account # data field on the online application by mistake and Capital One accepted a 9 digit input as a valid Account #. No one at capital one could figure out the issue when I called after I was charged on XX/XX/XXXX. I waited 14 days after Capital One explained the length of time it takes to mail the check to my current credit union. I called around 6 different times and spoke to at least to 8 different reps as no one from customer service followed up with me on resolving the issue. A balance transfer investigation was initiated and then closed internally. XX/XX/XXXX the Capital One rep said the stop payment wasn't sure why the investigation was closed and that assumed the stop payment was successful. She told me she would call me back and leave a voice message with an update after getting with the investigator. No one called me back. It is now XX/XX/XXXX and finally I called and was told by someone new that XXXX XXXX XXXX deposited the check. After waiting 40 minutes as I asked to receive that in writing ( they can only issues LETTERS via mail ) Capital One hung up on me. I called again and immediately I was transferred to the balance transfer department but with a SUPERVISOR this time named XXXX. She was awesome but its taken me 8 reps, 6 calls, two transfers and so much stress resolving this. XXXX checked me application and asked me to confirm the associated accounts which was WRONG. My routing was used as the account number field. Why didn't the application reject a shorter digit number into the account field? Why didn't capital one offer to get onto a three way call 2 months ago with my credit union to figure this all out. Now I as the customer have to get on a call with my credit union to ask for them to check " unclaimed funds '' deposits. I had no idea what was even allowable for a credit union to deposit a check to a non existent account. On one call Credit Union rep apologized and said alot of their balance transfer requests were encountering issues and now I realize why. Terrible customer service, poorly developed applications on the web, mishandled investigations, lack of communication and little care for the customer.

Company response to consumer: Closed with explanation