vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I entered on XXXX XXXX in the military on XXXX XXXX, 2019, and will be continuing on XXXX XXXX for at least XXXX years once I finish my initial entry training, per my Service Agreement. 
Prior to entering XXXX XXXX, I took out XXXX personal loans with Upstart. Soon after entering XXXX XXXX I sent Upstart a copy of my orders to XXXX XXXX candidate school. They initiated the XXXX interest rate cap of 6 % on my account. However, as soon as the end date of XXXX Candidate School, which was XX/XX/2019, arrived, Upstart removed XXXX XXXX and said that I needed to send additional orders to continue XXXX benefits. I sent the orders for the follow-on school, however because the orders do not have an end date due to the nature of the school 's length, Upstart refused to reinstate XXXX benefits. I have sent them a copy of my Service Agreement stating how long my XXXX XXXX obligation is, a copy of my Leave and Earning Statement, which states when my projected 'End of Current Contract ' ( ECC ) and 'End of Active Service ' ( EAS ) are ( which are the dates Upstart was requesting ). I was also able to locate a status report for myself from the Department XXXX XXXX XXXX XXXX XXXX, which states that I am still on XXXX XXXX. None of the other companies that I have credit cards, loans, or leases with have given me any issue after receiving my initial orders.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: CA

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019,  XXXX2019,XXXX/2019, XXXX/XXXX/2019 and XXXX/XXXX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XXXX2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XXXX/XXXX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
on XX/XX/2019 XXXX XXXX focus recv, mgmt. phone # XXXX left message that they are trying to collect an unpaid debt. 
I have zero unpaid bills. 
All of my credit cards and utility bills are always current with XXXX balance. 
I receive no statements by mail of any unpaid bills The call asks me to call them to arrange payment. 

Focus recv, mgmt. has called many times [ maybe 30 ] Is this harassment?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Account was closed keeps re appearing, account has been re-aged. I have already paid a company for the balance which they " Flagship Acceptance '' advised that I was scammed and still owe them. Called multiple times, agents are rude and hangup. This is continuously hurting my credit score. This account has dropped off my credit and then it re appears on my credit report dropping my credit scores. Need help, please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: CA

Complaint narrative:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: CA

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I completed a XXXXn survey with the XXXX XXXX program. The honorarium was {$30.00} and issued to me in the form of a US Bank National Association XXXX debit card. The survey was completed XX/XX/XXXX. I received the debit card about one month later. The expiration date of the card was clearly indicated on the front of the card as XX/XX/XXXX. I wanted to use the card on XX/XX/XXXX but learned that {$2.00} per month had been deducted starting 90 days after I received and activated the card. The total deducted to date is {$8.00}. This is highly egregious and illegal in several states. In addition, I believe Federal law would prevent a gift card from loosing value in such a short period of time. I asked the bank to reverse the charges and they refused. When asked to intervene, XXXX XXXX program told me to take it up with the bank. Further attempts to speak to someone at XXXX  have gone unanswered. I am asking for your help in resolving what I feel to be a highly unjust matter. It is not the {$8.00} but the principle in this case that a card given as a compensation should not start to be devalued after an extremely short 90 days.

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 2019-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are items on my credit report that aren't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There are items on my credit report that aren't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There are items on my credit report that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There a couple of accounts listed on my credit report that aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if  the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There a couple of accounts listed on my credit report that aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There a couple of accounts listed on my credit report that aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are some items reporting on my credit report that aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There are some items reporting on my credit report that aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There are some items reporting on my credit report that aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 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: Mercedes Benz Financial Services
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX. Box XXXX XXXX Texas XXXX account XXXX ( XXXX ) XXXX A federal law, the Fair Debt Collection Practices Act ( FDCPA ), says that a debt collector is not allowed to use unfair practices to collect a debt. I am seeking legal remedies as I feel the debt collector for this or other violations of the Fair Debt Collection Practices Act ( FDCPA ) This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt. 
I have contacted you several times to correct my credit and reporting the inaccuracies. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Mercedes Benz agreement number Installment account XXXX paying a MONTHLY PAYMENT {$100.00} per month auto debited. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature accepting the installment payment agreed upon to report to the XXXX bureaus. As this information is not only deceptive practice reporting paid/close with a reporting a balance and in addition accepting payment auto debited out of my checking account ending in # XXXX. 

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, drivers license, W-2, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted and my payment history supported by Mercedes Benz and reporting the original new balance as agreed after the car was auctioned {$8700.00} and agreed monthly installment payment. 
If you are unable to verify the account with the signed installment agreement, the information should be removed from my credit report within 30 days or reported accuracy paid in good standing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX Mortgage # XXXX My mortgage was sold to Loan care the mortgage was transferred from XXXX after they went bankrupt. I still haven't received any letter on time when my mortgage is due letter received 2-3 day before payment is due. Loan Care want me to pay 2 payments in one month out of any reason and refuse to provide answer why need to be payd 2payments. Just for the record I do not have missing payment According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out  of any reason. My monthly payment w/XXXX was US $ XXXX.The payment w/Loan Care need to be the same. This company asks me to pay US {$1300.00} monthly no letter is received why. I pay the US {$1200.00} each month to Loan Care and still to pay the same payment every month after mortgage is sold to Loan Care. 
After I make complain to CFPB they refuse to provide letter and provide clear answer why my payment will be different. I believe that this company breaks the low. After I made complain against LoanCare on CFPB now they send me letter and tell me that my escrow is shortage. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue This company need to provide How much will be my monthly payment, need to provide information about escrow, taxes insuranceI am very disappointment and will report this company to attorney general and will ask other Government agency FHA I will contact to NJ Division of consumer affair, FCCA US Department of housing HUD Federal Reserve My taxes escrow need to be review taxes. I do not want to be consumer on this worst company. This company breaks the law. I can't say enough bad things about my experience. I had a very difficult time with loan care. I need help to get out from Loan Care XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. XXXX XXXX Copied from the affidavit attached ) **** Alleged Account XXXX : XXXX XXXX auto Alleged Account # : XXXX Alleged Account XXXX : XXXX XXXX Alleged Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. XXXX XXXX Copied from the affidavit attached ) **** Alleged Account XXXX : XXXX XXXX auto Alleged Account # : XXXX Alleged Account XXXX : XXXX XXXX Alleged Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have continuously reached out to PORTFOLIO RECOV ASSOC. Via online disputes and by certified mail. They refuse to provide appropriate investigation and research results showing debt belongs to me. Amounts disputed I owe {$980.00} ] in [ XX/XX/XXXX ] and [ I owe {$2800.00} ] in [ XX/XX/XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: U.S. BANCORP
State: NE

Complaint narrative:
On the XX/XX/2019. Someone stole my debit card mid night and I was trying to call the number XXXX that they said it XXXX fraudulent number services no one could not respond untill the next day I did check my account online and I found someone doing cash back of total {$1200.00} at XXXX XXXX. And I did file police report and I did file a claim withy bank ( USbank ). And later they reject my case even though I was able to know who stole my card and I had to file a complaint about the person at court also. So I need my money back and let the company take legal action to the person and I will help them get the person.

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