vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
BOA card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there. 
I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.

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 2018-08-21 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: IL

Complaint narrative:
On XX/XX/2018 I XXXX out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed 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 2018-08-21 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: IL

Complaint narrative:
On XX/XX/2018 I XXXX  out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX with the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX Citibank credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I received a pre approval credit card from Chase via XXXX XXXX as my scores are in a good position. I then applied but was denied because of a XXXX yr old bankruptcy. My issues are that this credit app. caused my credit score to be decreased by several points as it is an inquiry on my report. Moreover, I should have been warned prior to applying that a bankruptcy credit app would be discriminated against. I now seek your help in getting this inquiry removed from all 3 of my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX XX/XX/2018 a seller that has an online website only called XXXX had emailed me through her email which is listed on that site under XXXX that she had already refunded my money or XXXX. 
Barclays and XXXX will not help in this matter even though they see the email from the seller. Its now XX/XX/XXXX and both Barclays and XXXX know I didnt receive anything and are still stalling but Barclays admits they tried for two weeks to contact the seller. XXXX said Barclays should be handling it. 
Both institutions have proof from the seller that she would credit -they both wont credit. Office of the president at Barclays with a XXXX XXXX is useless wont send correspondence via my residence I assume Bc she doesnt want anything in writing and will tape my calls but wont allow her calls to be taped which I find off. 
They allow a fraudulent seller to get away with this and keep dragging it out. They wont even respond to the bbb case was done last month number XXXX for Barclays. XXXX wont Respond Bc that means in writing to my residence or a taped call both ways which she wont do. So because of this they wont credit the XXXX when they have proof from The seller that she was going to refund and never did.

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 2018-08-21 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: MN

Complaint narrative:
In XXXX of XXXX I submitted an application for Public Service Loan Forgiveness to my loan servicer Navient. On XX/XX/XXXX, I was notified by Navient that my loans were being transferred to a different servicer. My payment date was XX/XX/XXXX. I tried to logon to my account and make my payment before the due date but was informed that I could not make a payment because my loans were being transferred to another servicer. I was unable to create an account with the new servicer until XX/XX/XXXX when I received correspondence from the new servicer. On XX/XX/XXXX I made the payment to the new servicer, the payment was processed on XX/XX/XXXX. The payment was delinquent. On XX/XX/XXXX I received notice from my new servicer, XXXX, that I was not eligible for a direct loan rebate because I had made a delinquent payment in the first 12 months of repayment. When I called XXXX on XX/XX/XXXX, I was informed that I could have made payment to Navient prior to my loans being transferred to XXXX. I was not informed that I could payment to Navient, and in fact was not able to make payment to Navient and am now ineligible for the direct loan rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
In XX/XX/XXXX a company name XXXX XXXX XXXX XXXX reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX XXXX XXXX. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Billing dispute confirmation number : XXXX, amount {$12.00}, XXXX, filed XX/XX/18, per e-mail from Capital One, a temporary account credit in the above amount will post within ten days. Ten days has now passed and temporary credit has not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a Chapter 13 bankruptcy. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYST which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Billing dispute confirmation number XXXX, amount {$18.00}, XXXX. Dispute filed XX/XX/2018, per the email confirmation from Capital One, a temporary credit is supposed to post within ten days. Ten days has passed and a temporary credit has not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: PA

Complaint narrative:
I currently have a loan with Discover Student loans. My initial loan amount was issued at {$43000.00}. I have been actively paying my loan for the past 12+ years. My interest rate is currently at 9.75 %. To date I have paid a total of {$51000.00} ( {$4900.00} principal, {$46000.00} interest ) and the loan balance remains at {$39000.00}. I have requested a decrease in the interest rate on 5 separate occasions in the past year with no support from Discover Student Loans. They will not agree to a decrease in the interest rate but recommend a decreased payment ( which ultimately covers less than interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: KS

Complaint narrative:
My loan is for 60 months at {$370.00}. The loan term began XX/XX/2014. I have received 7 extensions due to financial difficulties. As of today, and with late payments, I still owe {$10000.00}. There is no way my loan is adding up to the terms. I added in the extra 7 payments for the extensions I took out, and this company has me for an extra four thousand plus dollars! I want to know where it came from. My original sales contract called for {$9200.00} in interest, and Ive already paid {$9400.00}. 23 % Interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was interested in doing refinance on my car loan since my credit score has increased this year. My bank uses Experian so I did a temporary freeze lift and I signed up for their membership {$4.00} just so I could get my credit score to ensure it was in the same range as XXXX and XXXX are reporting. Experian showed my credit score as XXXX which is the same range ( and I included a screenshot showing this below dated XX/XX/18! ) Today however I got the standard notice that the bank is required to send and Experian reported to them that my credit score is XXXX  (!!! ) which in turn cause me to get a higher interest rate offer which means I can not refinance. So I paid {$4.00} for nothing basically and got a inquiry to my credit for 15 points so now Experian shows my score as XXXX!! Do I have any recourse for this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a XXXX XXXX XXXX. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.

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 2018-08-21 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Solution Providers LLC
State: OH

Complaint narrative:
FINANCIAL SOLUTIONS PROVIDERS out of XXXX Florida have been calling me repeatedly at work and on my cell after theyve been told to stop several times. They leave intimidating and threatening Voicemails saying my wages will be garnished soon etc. Ive talked to more than one person from here and all have been very unprofessional. They called my work several times and this last time the head of HR told them not to call back. They even called my place of Employment to file a complaint against me for using racial slurs against them. IMO if youre calling to harass me and my place of work everyday after being asked to stop Im not gon na be nice for long. Its always the same Guy who calls his name is XXXX XXXX but today XX/XX/XXXX he left a voicemail claiming he was a Mr XXXX XXXX .... but it was clearly Mr XXXX. When I called him out on it he hung up on me. I called them back and he answers as Mr XXXX XXXX lol. Another time when I called a woman there pretended to be with the XXXX Sherrifs Department. I called another time and a XXXX who claimed to be the Manager said he was going to file a complaint against me with the sherrifs Department for calling them 48 times and using racial slurs. The one time I did call them probably 20 times or just under but certainly not 48. Again, if youre gon na harass me Im gon na harass you. I was conned by a Dealership, whom the owner was who sold me the car was sued for over 100,000 for lying. It was a XXXX XXXX XXXX for {$9900.00} which I paid paid over 5,000 on. The thing was a total lemon, and the Dealer refused to fix it. I could not afford to fix it plus pay a XXXX a car payment, I told them to come get it. The Vehicle only sold for {$1500.00} at Auction and needed that much in Repairs.  Its beyond hilarious that they expect me to pay the difference so somewhere around XXXX. The XXXX was never worth XXXX to begin with and according to XXXX XXXX XXXX it should certainly be worth more than 1,500 even in bad shape. So the fact thats all they were able to get for it says a lot, like its a piece of XXXX in need of multiple repairs. I hope these XXXX  file to garnish my wages, the way these XXXX debt collectors have acted, plus the scam of a Dealership it came from I feel pretty confident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
I enrolled in an online class in XXXX, and the loan was through XXXX XXXX for around XXXX. I was unable to finish the class. I contacted XXXX in XXXX to pay the loan or come to so type of agreement. An agreement was reached or at least that was what I thought, the company withdrew the amount I agreed to pay five times within three days. Since this time I have not been able to reach any type of agreement with this company. 

Now they are reporting on my credit report as an open account in the name of First Associates, and reporting late payments every month since XXXX. The interest has risen to XXXX and the fees add up to XXXX bringing my closed account up to XXXX. 

I need help to get this company to report the right status and right account on my credit report because of their negative reporting and misleading reporting has cause me great harm and a tremendous lost of a home I was attempting to purchase. 

My name is XXXX XXXX, and my email is : XXXX. 


Thanks for your time, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation