vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 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:
Hello, Transunion has been reporting erroneous information on my credit report and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Transunion. Transunion has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Transunion. I presented this information to Transunion and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 


My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account 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 explanation
Consumer complaint received 2020-10-10 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: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2020 Discover it Secure Credit Card, issuer of the Discover Card, at XXXX. XXXX XXXX, XXXX, DE XXXX. 
Discover it Secure Credit Card Dear Discover, I would like to ask you to reconsider my Discover it Secure Credit Card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the Discover it Secure Credit Card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the Discover it Secure Credit Card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the Discover it Secure Credit Card so I can prove to you my reliability and loyalty to this institution. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XX/XX/XXXXn I got a Personal Loan from Speedy Cash. 

I did follow with the payment arrangements until later XX/XX/XXXX when I couldn't continue with them due to personal issues. 

Taking the current situation, I'm not in a position to pay this loan, therefore AD Astra Recovery Serv. is  charging me XXXX . 

Thank you ahead for helping me resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have ask these credit company 's to remove these accounts that was open without my consent

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 2020-10-10 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: TN

Complaint narrative:
Remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TN

Complaint narrative:
Remove the inaccurate accounts

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 2020-10-10 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: TN

Complaint narrative:
Remove the inaccurate accounts

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 2020-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have ask these credit company 's to remove these accounts that was open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have ask these credit company 's to remove these accounts that was open without my consent

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 2020-10-10 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: Lending Club Corp
State: AR

Complaint narrative:
I have a loan with LENDING CLUB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and LENDING CLUB with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I have completed the 120 required payments under the public service loan forgiveness program. I also submitted the required form to FedLoan servicing to get the remaining balance forgiven XX/XX/2020. However, I am being told I have to wait *up to 6 months* for them and the dept of Ed to process my application for forgiveness. This is both unconsionable and in violation of the regulation 34 CFR 685.219 - Public Service Loan Forgiveness Program. That regulation specifically states " ( a ) General. The Public Service Loan Forgiveness Program is intended to encourage individuals to enter and continue in full-time public service employment by forgiving the remaining balance of their Direct loans after they satisfy the public service and loan payment requirements of this section. '' It never says *anywhere* in the regulation, nor the statute, that I also have to wait up to 6 months for processing. On the contrary, it states it will forgive my remaining balance " after [ I ] satisfy the ... requirements of the section '' and nowhere is there any additional requirement whatsoever about an extra 6 month wait after submitting the forgiveness form.

In accordance with 685.219 ( c ) ( 1 ) ( ii ) I must remain " employed full-time by a public service organization ... - '' until my loan is forgiven. Therefore, adding an additional requirement to wait up to 180, not stated anywhere in the reg is a signficant legal error. And it means I have to stay employed in my current job an additional 6 months in order to obtain the benefits I was promised when I signed up for the public service loan forgiveness program. Nowhere anywhere was I warned about this additional, ( legally impermissible ) super-regulatory requirement.

I am requesting that you force FedLoan servicing to process their part of my loan forgiveness application *immediately*, in accordance with the regulation.

I understand the dept of Ed also has to process the application for the loan to be forgiven, and that they do this after FedLoan servicing finishes processing it. I know that the same standard applies to the dept of Ed as is stated in the regulation section I provided, so dept of Ed also needs to process this immediately. However, I do not believe you have any jurisdiction over the dept of Ed so I have raised that issue with my Senator in hopes they will respond favorably to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Data Systems
State: SC

Complaint narrative:
I have requested this company to delete this account for continuously violating the FDCPA by calling both of my phones multiple times per day, harassing me about a debt that they " validated '' by sending me a made-up invoice that they must have thought I would accept. You have bought this debt for pennies and now you choose to harass me and violate my consumer rights. This is not the way you conduct business. Please stop all forms of contact and delete this account from all NCRAs database and erase my information from your database as well. This is my last attempt to remove this item from 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 2020-10-10 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: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I received a notification on my credit report, from the company Commonwealth finance, located XXXX XXXX XXXX, XXXX, PA XXXX. A bill with the amount of {$1500.00} from XXXX XXXX XXXX XXXX showed up on my credit report, I soon after contacted the company, and was told they knew nothing about this bill. commonwealth hasnt been forthcoming with any information, I have not received any letter in the mail or phone call this account went straight to collections, and it isnt a real account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I was first contacted by XXXX XXXX who called me from several different phone numbers, that were disconnected upon callback. I told XXXX that the debt they were attempting to collect was incorrect. He proceeded to tell me that he didnt care if I thought the amount was wrong, and if I didnt pay in full they would hurt my credit. I attempted to write this creditor and contact several times. After multiple failed attempts to receive documentation from the collector, they placed the item on my credit causing a triple digit decrease in credit score.

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 2020-10-10 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: TN

Complaint narrative:
I have ask Equifax to delete this account because it was open by fraud they have yet to remove it this account has hurt my good name and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
Dear Sir I had recently get my report and found many corrections which are listed as below Account 2 XXXX XXXX  XXXX XXXX EDUCATION LOAN XXXX showing closed and current outstanding Rs XXXX, both are wrong, this account is Active and having current outstanding XXXX as on today. 

Account 3 XXXX XXXX  XXXX XXXX EDUCATION LOAN XXXX is fully paid & closed by bank with no outstanding but still showing incorrect outstanding Rs 5 and current balance XXXX/- is  also wrong. 

Account 13 XXXX XXXX  XXXX CREDIT CARDS XXXX showing current outstanding Rs XXXX but as on today there is no outstanding balance on this credit card. 

Account 15 XXXX XXXX CREDIT CARDS XXXX showing current balance Rs XXXX/- is  the wrong one, as on today there is no outstanding for this loan. 

Please made above correction as soon as possible and revert me soon. Hoping positive response from CFPB. 
I had raise complaint to experian more than five times but still my issue was not resolved. I request CFPB to resolve my concern to help me out of these and improve my score. 

Hereby I am providing my additional information which may be required to you while investigation. 

Experian Report Number ( ERN ) : XXXX Unique Transaction ID : XXXX Report Created : XXXX Name : XXXX XXXX XXXX Contact Number : XXXX Date of Birth : XX/XX/1992 Email Id : XXXX Pan Number : XXXX Address : ( Pin Code Mandatory ) AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Source : ( From where did you obtain this report from ) : FROM EXPERIAN OFFICIAL WEBSITE 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 2020-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I paid {$100.00} for products on PayPal and after I sent payment the seller stopped responding and blocked me. 
I opened up a complaint with PayPal and they said that they did not find any fraudulent activity although Im positive the seller never verified sending me anything because I do not have anything. They simply stole my money and PayPal helped them do it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX I went to XXXX  XXXX  and tried to purchase something but was declined at the register tried again got declined again but upon checking my account after the second decline the amount of {$23.00} that I was just declined for was taken out my account and then 5 minutes later some reload something took out {$10.00} and the bank acts like theres nothing they can do I had to file it as unauthorized charge and been waiting forever with no questions answered why didnt my card work and why did the money still come out

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 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
My credit card was stolen back in XXXX.. They refuse to send me a paper copy so I can dispute the charges. I have tried but they will not even discuss the account without the pin. They will not send the papers for me to dispute the charges and they ruined my credit! they closed my access to log in to try to dispute the charges!

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 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased items 4 wigs online with my pre-paid card - NETSPEND credit card # XXXX in XXXX, 2020. However, I did never get any of my orders from XXXX XXXX. I tried several times to contact XXXX  to report the situation. During, several times, they sent me an email of with wrong tracking number with XXXX and XXXX. After, several months, of going back and front to the post office and XXXX, I was informed that thoe tracking numbers given to me does not exist. 
Again, I started calling XXXX  to notify them about the fraudelent non-existing tracking number given to me. Also to inform XXXX  that I have not yet recieved my orders. It took me about 8 times unsuccessful phone calls to get in touch with this company. I went on their website to complete a form requesting for refund. No response, until several months went by, I finally got response from the company claiming that they have delivered all my orders to me. I tried contacting them, however was unsucessful on 3 attempts. I contacted my bank Netspend to file a claim. 
All of the above informations were explained. I was given claim # XXXX. 
After, my bank contacted XXXX, they were able to send me 2 out of the 4 wigs ordered. I called my bank Netspend notified them, that they sent me 2 wigs, rather than the 4 wigs ordered. That, I still want remaining refund {$140.00} credited to my account.

They told me that they have started claim and will ensure to get my refund of the 2 remaining wigs. I have contacted NETSPEND for about 10 times, and as of today, no response recieved from NETSPEND. I had recieved call from XXXX  informing me that refund has been made to NETSPEND. As of this day, NETSPEND had not issued my refund or made attempts to assist to get my money 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 2020-10-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax and XXXX  are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 ) on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment ( XXXX ) is past due which is not true.

Company response to consumer: Closed with explanation