vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 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 been incarcerated since 2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX au {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed immediately.

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 2019-04-03 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:
UNIVERSITY OF XXXX XXXX This company is unable to validate the debt. They can not provide signatures or any information, that explains me owe 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 non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had my identity stolen and someone had used my information and opened up discover card and not paid Discover Account number XXXX XXXX Acct No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had my identity stolen and someone had used my information and opened up XXXX card and not paid XXXX Account number XXXX Chase Acct No XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Account was never late. XXXX is entering the wrong payment dates.

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 2019-04-03 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In XX/XX/XXXX I hired a XXXX XXXX XXXX  from XXXX, NJ to perform work in my basement, with an install date of XX/XX/XXXX. The company failed to complete the job and left the worksite in progress. After 5 weeks of work, of which the job was originally a 1-2 day estimate, the job remained incomplete. On XX/XX/XXXX XXXX XXXX XXXX  then charged my VISA credit card for {$5900.00}, which was the price to be paid upon completion of the job per the contract we agreed to ( attached ), however the job was not complete and authorization to charge was not provided. The company had my VISA information from the initial 10 % down payment that occured months prior in XX/XX/XXXX. On XX/XX/XXXX I filed a dispute on the charge with my financial institution, Navy Federal Credit Union, however refusing to refund the unauthorized transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I keep receiving calls from the debt collection agency. I don't know what it is I owe, when I answered the phone, no one would say anything. The robo calls just kept coming. Then they started calling and asking for me at my job! It had gotten to the point where they were verbally abusing my coworkers. I eventually lost the that job. Now I have a new cell number and they found it, eventhough it was supposed to be non-public and the calls continue. This debt is not on my credit report, I have not received anything in writing.. just this calls. They started using different phone numbers. They first called from XXXX numbers, then XXXX numbers then XXXX numbers.. all numbers in my surrounding area code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
My complaint is with the Federal Loan Forgiveness Program. I qualify for the 10 year repayment part, work for a XXXX XXXX and filed for forgiveness. I was denied, saying I never kept the loan under the Stafford Loan for the entire time. I never had a choice in this. It was sold to XXXX XXXX and then to XXXX. I had no say in this. They said I agreed when I kept paying. How am I just going to stop paying my bills? I know I'd get garnished and sued by the government if I did. Just stupid. So now, being a model citizen and hard worker paying my bills doesn't help me at all with this program. And the program is to be for us, but basically is a sham not helping hardly anyone in reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I set up an automatic payment with the company but they never charge me in that automatic payment and they also reported late payment when they havent charged with my automatic payments

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 2019-04-03 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: FL

Complaint narrative:
I have disputed the late payment accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP 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 2019-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the late payment accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i was XXXX up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from XX/XX/XXXX and XX/XX/XXXX that are not me due to me being XXXX and this can be proven as far as my whereabouts theres cap one XXXX XXXX XXXX XXXX cap one XXXX cap one XXXX cap one XXXX i even see some recent from capital one that i did not do therefore im placing a security freeze due to whomever still having my info a cap one XXXX a cap one XXXX a cap one XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The interest rate on this loan is too high. I almost only pay for the interest rate. I had XXXX XXXX 2018 and not able to work that much. I asked them for lower payment obtions. They only gave me loan extension. Because I cant work in XXXX as I used to before because of pain Im behind my payments. They reported to the credit agencies even I told them I had XXXX. Now I cant refinance my loan or get student loans because they reported negetive to credit bureau agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
i was incarcerated up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from 17 and 18 that are not me due to me being incarcerated and this can be proven as far as my whereabouts theres XXXX XXXX XX/XX/XXXX walmart syncbc XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i even see some recent from XXXX XXXX that i did not do therefore im placing a security freeze due to whomever still having my info a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/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 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
my info was used while i was XXXX for two years and an unused account from 2015 was placed on XXXX for fraud which i did mot commit and its stopping me from getting an account which henders my status of life ( i was also XXXX for 5 years as well this is around the time these things began to occur )

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 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Reward points of over {$300.00} were supposed to be redeemable around the beginning of XX/XX/2019 however when I attempted to redeem them, I was told some members are allowed to redeem their points but others are not and it will take up to 60 days to review my membership to confirm whether or not my reward points are redeemable. 
Ive had this card for several years with no trouble redeeming points but they also told me, they have made a few changes.

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 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
At the end of my previous complaints, a USAA representative and I discussed my receiving an official letter explaining their investigative process and the actions taken to insure that this does not happen to anyone else. In a phone conversation with this representative I was assured that a letter would be sent to me for my records. I attempted to contact this representative, and had to leave a message. There has been no response of any kind since then. USAA has failed to uphold their part of the agreement. I want to know what action for breach of verbal contract can be taken by the government to protect other consumers from this lack of good faith on the part of USAA. This issue has not been resolved as per agreed to and needs to be reopened until USAA has fulfilled the stipulations of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: FL

Complaint narrative:
Went to do a car loan with XXXX XXXX XXXX of XXXX XXXX Fl. Worked with XXXX XXXX, and through verbal communication we where assured our credit pull once was good for thirty days. Hard credit pulled- good for 30 days. One hard credit pull was legally agreed to. They did a hard credit pull three additional times, without consent. 

Ive attempted to have this issue fix since XX/XX/XXXX of 2019. I have attempted to have Experian Creidt monitoring help, their phone service does not allow help via phone. I can not make these changes on my own, through there website. I need help. Ive also contacted XXXX review, voice messaged the general manager XXXX XXXX  XXXX and those three unauthorized hard credit pulls are still on my credit report for three years. I want them removed, please. 


Ive even write a hard felt plea to please help remove those unauthorized hard credit pulls. 
Here are the unauthorized hard credit pulls -XXXX XXXX  -XXXX/XXXX XXXX  -XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: U.S. BANCORP
State: NY

Complaint narrative:
I'm XXXX XXXX I was a victim of identity theft. I check my credit report with XXXX  by XXXX. I see a delinquent account I never had or sign up for With a credit card from US bank. I have a balanced of XXXX with Us Bank that was open on XX/XX/XXXX. During this time I was incarcerated. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. How can I fix this and clear this out from my credit report? Any questions contact me at 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 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have had several issues with payments not being posted to the account or the charge being doubled. I put in writing and mailed it to cancel the card and agreed to make payment arrangements. Some how someone tried to reopen the account. This account needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: PA

Complaint narrative:
I am filing this complaint as an aggrieved man against Experian, XXXX and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!

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 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
The on XX/XX/XXXX I paid in full a medical debt owed to XXXX XXXX XXXX to Universal Collection Systems. I followed up with a phone call that was never returned. On XX/XX/XXXX I received a notice that my payroll wages would be garnished in the amount of {$860.00} due to an already paid debt. I reached out again only to have the call to go without an answer. On XX/XX/XXXX Upon looking into my payroll for the week my wages have been garnished for {$390.00} for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Company : XXXX Lakeview Please help us! 

You helped us in the past with this company. They used our Escrow money from our mortgage to pay taxes for a different lot #, Which lead us to receive several Delinquent Tax notices and notice our " DELINQUENT '' taxes would be auction off. 

After multiple attempts that I called personally to get this fixed. You reached out to them in the past which lead to them finally paying the 3 Quarters of taxes they did not pay. 

After we thought this was finally resolved. Our next Statements from Lakeview showed our escrow in a negative balance. So you call the mortgage company again ; they told us not to worry about it everything is fine and our account is update date. Now with the new year we get notified our Escrow account to go into the negative by {$3000.00}. Stating we have no escrow to pay our Taxes, etc.So they made our Monthly payments higher stating we have no money in our escrow account!! We pay on time every month. 

Accord to what I see here never fully fixed the first issue as they stated they did. Lakeview informed us it would come out of their own money. Since, it was them who used our Escrow money to pay another lot #. We noticed the money they so call paid our Town taxes with to solve this issue came out of our escrow again! Which lead to the negative {$3000.00} for us this new year. We never saw the adjust for the mistake they made never put back to our account. Each time we called they just told us " Yes, I see on the statement a negative balance. But in our records everything is okay and up to date. We just need to show that on the statements for records ''

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 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, my debit card information ( not the card itself ) was used fraudulently for 3 transactions against my checking account. Bank of America ( BOA ) notified me of the suspicious transactions, and I confirmed that I did not authorize/make any of them. 

BOA was able to outright deny one of the charges and then issued a temporary credit to my checking account for the other two. After some time, BOA credited my account for one of the two charges, but the other remained unpaid. After review, BOA determined that the 3rd transaction was valid and removed the funds from my account - {$600.00}. I called BOA and had them reopen the case for another review, since the charge was indeed fraudulent. In XXXX, BOA closed the case again, saying that the charge was valid. I called again to have them reopen the claim and sent in a copy of the police report that I filed back on the date the charges were made. 

The only reason I have been given for the denial is that my PIN was used for this transaction. ( I had my debit card in my possession and have never given out my PIN, so I am not sure how someone would get this information, except through a skimming device. ) The reason for denial is not make since, because the 2nd transaction ( a {$300.00} withdrawal from an ATM ) would have also required a PIN, and this was determined by BOA to be a fraudulent transaction. They have already refunded this amount to my account. 

It is important to note that both the {$600.00} and {$300.00} transactions took place only minutes apart from each other, in the same grocery store, in a town I don't live in - Just more proof that both transactions were fraudulent. 

I have made MANY calls to BOA to check on the status of this claim, since it opened in XX/XX/XXXX. Each time I call, I have to repeat my story from the beginning and am assured by the representative that they will assist me to resolve the situation, but as of XX/XX/XXXX, they have still not resolved the claim and refunded my account. This is a clear-cut case of fraud, but BOA seems to be waiting for me to give up the fight and appears to have no interest in looking at the actual circumstances of these charges, which obviously point to fraud. 

I would appreciate any help/advice you can offer in this situation. In the meantime, I will continue to check in often with BOA to see if any actual progress has been made. 

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 monetary relief