vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: AmeriCollect
State: LA

Complaint narrative:
I have tried contacting this creditor to remove this inaccurate information from my credit report and i have tried to dispute it several times. I have gotten nowhere, this account isnt mines and i have no knowledge of this inaccurate finding on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: GA

Complaint narrative:
The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 

2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. 

3. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 

5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 

6. XXXXXXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 

7. XXXX account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with XXXX  that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX  not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. 

Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. 

XXXX XXXX email : 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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Closed an account with Amex in XX/XX/XXXX. A charge was charged to the closed account in XXXX. Amex did not send any statements. Noticed in XX/XX/XXXX that the credit report has a transaction 60 days past due. Called Amex, paid, and asked to reverse the credit reporting since they did not notify or sent any statements to me. Looking at the credit report, reporting for XX/XX/XXXX for this account still shows 30 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
My complaint is that the Midwest Recovery System replaced an account that was paid through ingerent care through the Patient Financial Department on XX/XX/XXXX. I check my credit report daily through XXXX XXXX and XXXX The amount of the account is {$1700.00} and they said that this account was opened in XX/XX/XXXX. This bill was done back in XX/XX/XXXX and at this time I was unemployed. 

My next complaint is with XXXX XXXX XXXX. They are trying to collect {$190.00} from me from the original creditor which is XXXX. The original date on this account is XX/XX/XXXX. I just cancelled my Insurance with XXXX  and I had insurance with them for about three years and they didn't say anything to me about a past due amount, if so, I would had to pay them before I started insurance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX  XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC
State: AZ

Complaint narrative:
One of my student loans went into default and I realized this when I logged into my students loan account. I have never received any correspondence from the debt collection agency Alltran education. I reached out to them to start the loan rehabilitation process, and I requested the loan rehabilitation process in writing I was asked for my bank account information and was told that I would be sent a letter after I started making payments. I made the mistake of giving them the information and was charged the first payment. I have yet to receive anything in the mail and I have been calling them every week. They just say that it will be sent to me, but it has already been 2 weeks and I have not received anything. I also requested to receive the information by email and that still has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing is playing hardball especially during the XXXX. They listed that they are here to help and they are not They're not willing to work with me even though there is over {$100000.00} worth of equity in the home. I have been in this house since 1997. I'm XXXX XXXX XXXX and on a fixed income. In addition, my husband has been deceased for 10 years and they keep listing him on the loan. This has also caused problems for my son who has the same first name but was only XXXX XXXX XXXX in 1997. I simply have been trying to get them to roll the arears on to the back end of the loan so that I can move forward. My monthly pension has been reduced by {$600.00}. I really need help. I'm not trying to get additional money, even though that would help. I ust want to remain in my house. They make the process so difficult. Fay Servicing has requested for me to pay an additional XXXX or XXXX additional dollars a month. If I'm struggling to make the payment now I certainly can't afford to pay any additional monies. My house is scheduled for foreclosure on XX/XX/XXXX. I really would appreciate any help you can give me. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have XXXX mortgage hard inquiries date XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX being reported on my credit report. Additionally, I have a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has always been through XXXX XXXX as reported on my credit report. Secondly, I have banked with XXXX XXXX XXXX XXXX since XXXX. I have not requested any banking products from them since XXXX. I have sent dispute letters requesting these inaccurate inquiries be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company refuses to remove the inaccurate information 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 2020-04-23 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: U.S. BANCORP
State: NJ

Complaint narrative:
I received an offer in XXXX to spend $ XXXX on a card within 120 days and get XXXX points ( $ XXXX ). I spent over $ XXXX - this includes about $ XXXX in spending and $ XXXX in credits, since there were a couple incorrect large charges from vendors that had to be credited, but everything spent and credited on the account happened within the first 120 days. First statement after spending there was no bonus ( within the 120 days ), so I called up and the XXXX XXXX said sometimes it takes an extra statement, but he saw I spent the $ XXXX and would get it by then. Next statement closes, still no bonus. I email them, XXXX XXXX  who responds said it's because of the credit. I call up as I know I still spent the full $ XXXX even with credits, first XXXX XXXX repeats what the letter said, but then added all charges up himself and agrees I am correct and should have gotten the bonus. He speaks with a supervisor who says I'll get it within 7 days. A week later, I get a letter in the mail again stating that I did not spend the $ XXXX and thus am not eligible. I call up and the supervisor I ask to speak with first also says I did not spend the $ XXXX, but then does calculations and says I did, but he says he has no power to do anything except submit another request to a department that handles this, and they will send me a letter.I called up today ( XX/XX/20 ) and the supervisor now finally says that the reason I did not get it is because a charge was reversed but then put on an authorized user card instead of my main card. I called up multiple times when it was within the first 120 days and the customer service rep said everything was fine, I spent the {$10000.00}, and I would get the XXXX. Nowhere did they say that it had to be on the main users card and not an authorized user, or else I easily could have put the remaining spending on my card instead of my wife 's. I have never before had an account bonus where all spending had to be on the main user card in my 38 years, and the fact that XXXX customer service agents told me I was ok as well as a supervisor, and it was within 120 days when I still could have spent the money when I called and they told me it is ok, should be enough for US Bank to please make an exception if that is the issue and please issue the XXXX points. I've never had a bank act this way before, and the fact that the customer service agent made an error on this and I could still have spent the money, I would ask that US Bank please keep a business customer and make an exception to post the XXXX points.

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 2020-04-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX XXXX   XXXX {$780.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$120000.00} XXXX XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-23 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: Pinnacle Financial Group, Inc.
State: MD

Complaint narrative:
Reporting the incorrect amount. Falsey reporting Charged off. Please correct the balance or remove this. Please remove this due to statue of limitations being reached. Investigation has been tried 3 different times and the same results with nothing being changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Nelnet, Inc.
State: VA

Complaint narrative:
My federal loan servicer is Great Lakes. XX/XX/XXXX they posted an auto draft payment in the amount of {$460.00}. That date is part of the time allotted for administrative forbearance by the CARES act. According to XXXX XXXX Aid I may request this amount returned to me. Great Lakes also sent an email explaining they would not process auto payments during the forbearance. 

I began contacting Great Lakes XX/XX/XXXX. It took them 10 days to respond - they ask borrowers allow 1-2 business days. In their response they explained my refund was being processed and asked I allow 7 days to receive. XX/XX/XXXX, 9 days later, I had no refund and so I used their online complaint form to get the matter resolved. Their new response came the same day. This time they did not mention a refund and said someone may contact me within 7 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  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 2020-04-23 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:
I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$400.00} XX/XX/2019 I DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XXXX XX/XX/2020, I received a letter from Citi Bank that my account was closed due to non payment of 30 days. My wife has a card with a longer non payment and nothing happened to her account!!! Any way, I tried calling the phone number given by Citi for the hard ship due Covid 19 to no avail. I receive unemployment benefits but did receive the higher amount allowed through the CARES act on Covid to help pay my bills AND credit cards. THEN I get the letter from Citi that my card account was closed, Im responsible for the remaining balance which I know that. The letter was just cold and calculated towards me and the account. Didnt even try to reach out to me BEFORE closing my account. NOT HAPPY with Citi. I feel like suing them besides hurting them financially by curtailing future business. Where do we start with this???

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 2020-04-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
An inquiry from CBNAOFDEC of XXXX XXXX XXXXXXXX XXXX, TN XXXX, was placed on my XXXX   credit report on XX/XX/2019 that I did not authorize, and did not approve, I have no open account with this company or any prior dealings with this company.

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 2020-04-23 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: NV

Complaint narrative:
I have requested inaccurate addresses be removed from my credit on several occassions. I have submitted dispute letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to have the inaccurate addresses removed from my credit report. The company completed investigations on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite their investigations, they organization refuses to remove inaccurate addresses 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 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
Tuesday XXXX2020 I asked my wife to contact Guild mortgage company about any relief programs we can take advantage of. My pay is commission based and with business and people on a stay at home i'm affected. We were told we can do a forbearance and at the end of 90 days we have to make a balloon payment. What good that does I have no idea. My car payments are just going to be pushed to the end of my loans. Now that is a great help. 


Guild Mortgage Co. 
Loan Servicing Help Center XXXX XXXX XXXX XXXX  - XXXX XXXX  PT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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