vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has illegally listed an account on my credit reports. I have never entered into any agreement or received any services from this company. They have bought a file which has been illegally re-aged after previous collection agency removed it from my credit due to aging off and I have disputed this with the three credit bureaus due to them aggressively and maliciously continuing to report this account it has affected my credit rating and I have endured undue stress and ruined my credit rating.

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to freeze my credit report with Experian in XXXX. I unknowlingly signed up for a paid membership by requesting their " credit lock '' product and was billed {$9.00} on XX/XX/20 and {$19.00} on XX/XX/20. After cancelling my account online and calling Experian customer service on XX/XX/20, I received a refund for {$9.00}, but not the {$19.00} charge in XXXX. I was also again charged in XXXX for {$19.00} on XX/XX/20.

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 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My husband and i had a Citibank card. We paid this card off in XX/XX/2019. My husband called and spoke with a female agent and asked for account to be closed. She thanked him for our business and said she would take care of it. However she must note have not taken care of it because my son bought something off XXXX and charged to the card in XXXX. We did not realize this was how he paid for it because We were under the understanding that this account was closed and paid off so we were no longer making payments. We were only informed of balance through email which we had not received and my husband got some calls on his phone that came up as Possible Spam so he did not answer. The XXXX dollar purchase turned into XXXX dollars over the course of 5 months. Why were we not sent a bill of notice before all this happened? We only knew about this when we were purchasing something and our credit score was much lower than it has ever been. Upon finding out about this XXXX balance we did pay it and also received a paper bill last month for XXXX which I also immediately paid. I tried to contact them on that day but was unable to get answer after a very long hold time, so I just paid what the bill i had said. We have paid our bill each month on time prior to this and certainly would just have stopped paying it over XXXX? dollars. We tried to talk with the company with no results they just kept telling us we got emails and they have no records that we wanted account closed. We have paid this in full except as the agent mentioned several times we will owe residual interest but unable to tell us that amount. I also asked something in writing stating that bill had been paid and account closed agent said he could not provide that and transferred us to customer service where again i went through a menu and ended up holding and cut off. I tried again to contact them today and held for almost 2 hours. I would like an email or some proof that we want our account closed so i am not dealing with this again. I also would like this to not be on my credit report. I do not feel that we were treated fairly by Citibank.

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 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I took a loan of XXXX $ from loanatlast on XX/XX/2020. I was supposed to pay XXXX $ every XX/XX/XXXX and XX/XX/XXXX of every month. Today is XX/XX/2020. They deducted the mentioned amount of XXXX on XX/XX/XXXX and again today on XX/XX/XXXX before the due date. My bank is overdrawn and now Im in a distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: AL

Complaint narrative:
inaccurate information reporting. please investigate and update my 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 2020-04-11 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: AL

Complaint narrative:
inaccurate information reporting. please investigate and update my 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 2020-04-11 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: AL

Complaint narrative:
inaccurate information reporting. please investigate and update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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:
A year ago my wallet was stolen with all my identification in it and every since then my identity has been compromised. Accounts and attempted accounts been appearing on my credit file, unknown and unauthorized by me. Therefore, I'm demanding the the following accounts be removed and blocked from my credit file immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4.  XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. 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 explanation
Consumer complaint received 2020-04-11 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: MO

Complaint narrative:
I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. 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 2020-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has illegally listed an account on my credit reports. I have never entered into any agreement or received any services from this company. They have bought a file which has been illegally re-aged after previous collection agency removed it from my credit due to aging off and I have disputed this with the three credit bureaus due to them aggressively and maliciously continuing to report this account it has affected my credit rating and I have endured undue stress and ruined my credit rating.

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 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I requested my free credit report at XXXX XXXX XXXX and noticed that they had me for Placed For XXXX XXXX XXXX XXXX XXXX XXXXXXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX I don't know what is going on but this account does not belong to me and its affecting my credit. I need this account to be removed if they don't have anything in writing by me or signed they need to remove this immediately from my credit report that includes from all XXXX XXXX XXXX XXXX Im checking my credit report and writing letters to dispute accounts. I do not recognize as well and sending them notorized and mailed certified as well. I ask please to investigate and have XXXX XXXX Removed that account once again does not belong to me. I also noticed that they have me at XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX I never lived at that address please have this as well removed from my credit report 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 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am still without refund for the taxes paid on the phone for a mere {$63.00}, which I have initiated a dispute on my Visa card for that account charged on the basis that you charged me for something that I dont have and you should have never charged me. From what I have been told. You are only to charge taxes on a lease phone plan and the plan even though it was supposed to be a lease was setup as a payment plan. So therefore, you charged me taxes you were not supposed to.

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 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Unauthorized credit inquiries

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 2020-04-11 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Unauthorized credit inquiries

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 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
On XX/XX/2019, Source Receivables Management report on my XXXX, XXXX, and XXXX  account for the amount of {$2100.00}. 
I have no knowledge of this account. I do not own this account. I attempted to contact and dispute this account in XXXX and it was not resolved. It has affected my credit and my payment history. I do not owe anything on this debt. I have no knowledge how this account was reported to my credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Closed my account during this time of uncertainty. Only had a {$500.00} limit and XXXX balance. They are negatively impacting my credit score on purpose and with cause.

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 2020-04-11 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: MI

Complaint narrative:
Im a XXXX XXXX in XXXX  and expierians Data breche, Im a XXXX XXXX died and left our name a mess most our credit report was mixed up.. 
And due to information on the web I can use my credit or nothing please help.

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 2020-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have been a loyal customer of Capital One for over four years. My habit has always been to put down a large payment and use the card to make my online bill payments. Not a wise plan but I had problems with unauthorised transactions on a debit card that I had to close to stop the transactions. On XX/XX/2020 I made a payment of {$550.00}. Normally the money is available the next day. XX/XX/2020 my bank cleared the payment but my Capital One account is on hold until after XX/XX/2020. That money was all I had for groceries and a couple of bills. I was never notified by mail of the company 's policy change. The customer service rep gave no other reason except it was a large payment. Capital One never had a problem before with large payments. I made a payment of {$350.00} on XX/XX/2020 and was available the next day. The same thing with a payment of {$500.00} on XX/XX/2020. That money was all I had and I needed to put it on a card because the stores aren't really accepting cash around here because of c-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo acted as servicer for student loans. Was advised that loans were enrolled in program to receive public service loan forgiveness as a XXXX. Completed monthly payments for years. Loan were transferred to other servicers, and Wells Fargo now has no record. Have met my obligation now, as over 10 years of on-time payments have been made. 

This is very typical and part of a nationwide problem. A similar situation has affected hundreds of thousands and this is the result of over 99 % of those who qualify. 
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 2020-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
AD ASTRA RECOVERY SERVice buys medical bills from health providers for pennies on the dollar hoping to cash in by harassing you, your family and friends. Completely terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX Specialized Loan Servicing ( SLS ) account is current. The past due XXXX XXXX XXXX balance transfer of XXXX as of XX/XX/XXXX is not valid. The last collection call received on Thursday, XX/XX/XXXX by collection rep. XXXX stated our account is now 30 days due. I am submitting a copy of fax response sent to Specialized Loan Servicing on XX/XX/XXXX stating that XXXX   XXXX XXXX admitted to their error of misapplied payments and stated that all payments were made on time. Therefore, no payments were missed. Proof of all payments made to XXXX and SLS are attached to show proof of timely payment. Therefore our account is current before and after loan transfer on XX/XX/XXXX. Please correct past due balance to XXXX, remove all late monthly payment history from all credit bureaus and remove all late fees charged. 

I am submitting a copy of my fax response sent to SLS on XX/XX/XXXX as a complaint with Consumer Financial Protection Bureau ( CFPB ) because each time I speak to a collection representative, there is no update to my account of XXXX XXXX XXXX payment corrections or responses made myself or XXXX XXXX XXXX. The Collections Department keep stating that they have not received any updates from their other internal departments. They have no proof of all payments made for the period prior to XXXX loan transfer on XX/XX/XXXX. Each time my CFPB complaint is submitted to Specialized Loan Servicing ( SLS ), SLS closes my case and uses the same response letter written by SLS Customer Care Representative ID # XXXX, by the name of XXXX XXXX, I have attached fax confirmations, XXXX   XXXX XXXX statements XXXX to XXXX, proof of all my previous monthly XXXX payments for period XXXX made to XXXX XXXX XXXX ( XXXX   ) which were also posted on the XXXX   XXXX XXXX home equity line statements. SLS keeps stating that that they need proof of payments before they can update my records. I have supplied an online XXXX payment report of all my XX/XX/XXXX-XX/XX/XXXX XXXX   payments to show proof, which has the same payment confirmation numbers posted on the monthly XXXX   statements. From the statement it is clear that payments from XX/XX/XXXX to XX/XX/XXXX were all misapplied. Each monthly payment, per loan terms must be applied as part principal and part interest. Please make the necessary corrections. Thanks

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: PA

Complaint narrative:
Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation