vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX For XX/XX/XXXX XXXX XXXX XXXX   does not report credit card account number : XXXX XXXX XXXX XXXX does not show on my Experian report My other Account number XXXX XXXX XXXX XXXX shows same name same information. Experian does not show account # XXXX and has not explain to why this account does not show. Experian has not legally justified to how an account I have had for several years does not show but the account shows on the other 2 credit bureaus. Both statements are new for the month of XXXX. I have also talk to an attorney that deals with suing credit bureaus for errors. This error has been going on for past 7 months by Experian. XX/XX/2019 Experian replied back to XXXX XXXX XXXX Card to a dispute I did not have nothing to do with the account. The dispute was on Experian to why my account had not been updated as stated in my complaint to the consumer financial protection bureau. Experian deleted the account I did not request the account be deleted. Experian needs to provide documentation on me requesting and a signature of my request to deleted. On XX/XX/2019 My other account shows the same information on it as XXXX XXXX XXXX XXXX account ending in XXXX so why it shows and XXXX does not show. XXXX XXXX XXXX Card has sent the information to Experian I have also talk to an attorney regarding the situation. If the matter is not cleared up I'm turning it over to him for legal issues and any other damages as told to me by my attorney if the issue cant be resolved. One account shows with same name same address but Experian acts it the account was requested to be deleted by me. Please stop with the words and lies of something I did not say or sign. Experian has yet to provide any legal documents to the issue on hand with account ending in 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 2019-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The balance on my statement does not reflect the balances in the system with JCPenney. My XX/XX/2019 statement reflects a balance of {$2400.00}. The breakdown of my balance that appears on my XX/XX/2019 statement is {$1900.00}. I continuously have problems with the payment application process at JCPenney. Their billing practices are unfair, deceptive, and predatory. I have never been late or missed a payment. I frequently pay more than the required payment. I am willing to provide my billing statements as proof.

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 2019-04-28 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: AES/PHEAA
State: GA

Complaint narrative:
I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about PHEAA, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This is not my account and I have not contract with them and going after my for no reason I went to court and they didn't even show up to defend the petition so I do owe this dedt

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 2019-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The credit card issuing company reported that I was over 30 days late on a payment. It turns out that the company had switched me to an electronic payment system instead of sending a paper invoice. If I had agreed to this change it was probably hidden among other matters and not in the forefront. I really do not remember agreeing to such a change. 

When I became aware of not receiving a bill about the same time that they sent me note saying that a payment was returned unpaid. On XX/XX/XXXX I called Bank of America ( XXXX XXXX ) and was told that my payment was returned. She could not tell me why. But I specifically ask that I get a bill right away in the mail and that I wanted to pay it to avoid any credit problem. She ( XXXX ) said she would do it. Then I decided to call back and I talked to XXXX XXXX. She told me I owed {$120.00} so I gave her bank payment information and she gave confirmation # XXXX. So I thought it was paid. 

But then I finally get a paper bill that I had asked for and it showed that my balance was {$130.00} with fees charged. I had already suspended use of that card. 
( 1 ) So, Why did they return my on time payment in the first place. That account always had sufficient funds. 
( 2 ) Why when I talk to this company did they not honor my intentions and show that my payments are good and would be made. ( Never a late payment since being a customer ) ( 3 ) Why would they blemish a credit report of a long term loyal customer? 
I did send my check # XXXX for {$130.00} on XX/XX/XXXX before I had received their bill. 

I think that Bank of America should erase that late payment off my account and I should not have to pay a returned check fee unless they can show a valid reason for returning it. I no longer need or wish to do any business with this credit card company. I hope that other customers are treated a little better.

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 2019-04-28 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: MO

Complaint narrative:
I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX  XXXX {$130.00}

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 2019-04-28 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: GA

Complaint narrative:
I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about XXXX, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: GA

Complaint narrative:
I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about XXXX, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.

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 2019-04-28 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: MO

Complaint narrative:
I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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:
There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing 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 non-monetary relief
Consumer complaint received 2019-04-28 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: MO

Complaint narrative:
I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX  XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing 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 2019-04-28 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: PA

Complaint narrative:
There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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:
Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger

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 2019-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger

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 2019-04-28 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: PA

Complaint narrative:
Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a Jr and my file may be mixed up with my father or worse a stranger

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: MO

Complaint narrative:
I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) 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 2019-04-28 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: MO

Complaint narrative:
I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXX,, ( 6 ) 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 2019-04-28 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: AES/PHEAA
State: VA

Complaint narrative:
XXXX XXXX has denied my Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) claiming that if the organization is currently operational, then I must get an authorized official 's signature ; however, this is only  partially true : Section 2 clearly states, " Check this box if you can not obtain certification from your employer because the organization is closed or because the organization has refused to certify your employment. The Department will follow up to assist you in getting documentation of your employment. '' I checked that box & my PSLF ECF ( Public Service Loan Forgiveness Employment Certification Form )  was denied without the opportunity for the Department to follow up or assist me in getting the documentation specifically because, as I've informed XXXX, while I still work for the XXXX XXXX XXXX XXXX ( XXXX ), my new supervisor refused to sign the ECF which categorically falls under the issue of the organization refusing to certify my employment. XXXX has a legal obligation, of which it is currently negligent, to offer a second option for employment verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have already submitted proof that I paid this bill, but they continue to harass me. They sent me TWO different letters, both dated XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX credit card with the address of a XXXX XXXX in XXXX.I never lived there, I never had a credit card at all.This is Transunion.Transunion score in over a year has not changed.I have asked questions, sent in multiple attempts to clear incorrect addresses as well as names.There has been zero reslove.I use XXXX XXXX.The transunion site requires a paid membership.i will not pay for a memebership.XXXXhas  yet to give me a score at all.i have made attempts to dispute items and ask ask to obtain my score.they sent a hard copy of what they have on file but zero score.I was a victim in the transunion & XXXX hack, it has taken me far to long to get just some of this figured out.And now everything is done online and requires a paid membership.What for?? So my information can leaked again and the headache right back.I have been denied credit, and some employment requires credit checks.I am not progressing with either transunion or 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 2019-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Basically, the account has been mishandled from the beginning, terms werent clear. I feel the loan was deliberately prolonged in order to assess more fees and interest. I am leery as to making any type of agreement. I dont believe my case is being handles without prejudice and the information is incomplete or inaccurate. I am currently a XXXX XXXX XXXX and this is effecting my progress. There have been more attempts to collect and little to no attempts to resolve or settle. I am conserned the school i was attending misappropriated funds or even neglected to return proceeds ; Without my knowledge or consent. The debt is 12years old.

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 2019-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Sadly, AAFES never responds to my inquiries unless I file a complaint with the CFPB. 

My alleged debt ( will be disputing what was collected ) has been repaid. I am attaching a copy of my final statement. The final payment was made when my income tax return was off-set for {$1300.00}. I contacted AAFES by email on XX/XX/XXXX, requesting verification that it had contacted XXXX ( my employer ) to stop garnishing my military retiree pay. My retiree pay has been garnished since XXXX. 

This unprofessional company - AAFES did not/has not responded. I received my military retiree account statement for XX/XX/XXXX. AAFES is still garnishing my pay. 

AAFES also illegally assessed a {$17.00} " payment fee '' ; this is in violation of Federal and State laws as unfair fees. 

My request is simple, AAFES needs to notify XXXX to stop garnishing my pay for an alleged debt that has already been repaid soonest! I am also owed a refund in the amount of {$280.00}, the amount that has already been sent to AAFES for the month of XXXX, for a debt that has already been repaid.

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