vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I called Experian about how to go about taking my name off my husbands credit card, I explained ( with my husband sitting there with me ) that I have my own credit card ending in**** credit limit XXXX my husband has his own card ending in**** my husband said his card came with my name on it and he didnt know why and to take it off because I had my own. The man informed me to file a dispute that he did for me over the telephone. When I checked the results I realized he took my card off my credit so I called XXXX XXXX tried to explain the situation I was sent to the fraud department I explained that Experian took the wrong credit card off my account the one that was taken off was my card I was told the card is marked as fraud I can reapply if I want but the card I was calling about is fraudulent.I gave the all my info to verify who I was and was told nothing I could do, I asked how to make a payment because I have one coming due and I was told I couldnt make a payment because its a fraudulent card ... I called over 5 times trying to talk to someone I explained to these people there was a mistake on my card its not fraudulent its mine. I was hung up on several times I was told to fax a notarized letter with 2 ids saying it wasnt fraud ..I called to see what I could send because my social security card hasnt came yet and was told by a man that I could not fax it I have to mail it he gave the address but wouldnt tell me who I need to send it too he said it wasnt the fraud department but a different department he couldnt give me a direct number because he said there wasnt one and he said he would transfer me after the second time being on hold I was hung up on again I am so angry that I cant anyone at XXXX XXXX or Experian to listen to me I have phone records to show all the calls I made to these people .what can I do?

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 2020-05-27 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: NV

Complaint narrative:
There are erroneous accounts showing up on my credit report that I have never opened nor provided my permission for these account to be open

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 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I need an immediate phone call please from someone in the executive/senior level of Lending Point. I have been attempting to make a payment since the beginning of XXXX and because of Lending Point system failures, and staff unwilling to recognize their errors or their team 's, i I have been unable to do so. Lending Point also fails to deliver what is promised, and has passed my account continually to different individuals. They do not properly document or pass on information to the system or to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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:
I have attempted to resolve this issue with you over 1 year and you failed to remove the Fraud item XXXX XXXX XXXX off my Experian Consumer report. I am a Victim of Identity Theft and provided you with all the proof of the account not authorized by me to be opened and you still have not yet blocked or removed the entire account. The other two Credit Reporting Agencies, XXXX  and XXXX  did their job and removed this item off my credit reports immediately. It is only your reporting agency that has neglected my dispute. Please have this account blocked/removed off my Experian consumer credit report immediately or I will take legal action.

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 2020-05-27 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: TX

Complaint narrative:
XXXX Checked my credit report - There was a XXXX  XXXX  credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to XXXX  XXXX  notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent XXXX XXXX  another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent XXXX  account. I included copies of the police report and the FTC report and the intial letter I sent XXXX. 
XXXX Received letter from XXXX  stating that they completed their research and they Deleted the XXXX  XXXX account from my credit file XXXX Received letter from TransUnion stating that they added the XXXX  XXXX  account back to my credit report As of XXXX I have never received a letter from XXXX, I have never received a bill from XXXX. I have received nothing in writing from XXXX yet this account still remains on my credit report under TransUnion. I do not have a XXXX XXXX  credit card and XXXX  XXXX  does not respond to my letters.

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 2020-05-27 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: OH

Complaint narrative:
I have someone using my name to take out Auto Loan and credit cards that I have never used. There are addresses on my credit report that I never lived at, I have filed a police report with the XXXX Police Debt. and a complaint with the CFPB. The following accounts are fraudulent : 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 2020-05-27 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:
There are erroneous accounts showing up on my credit report that I have never opened nor provided my permission for these account to be open

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 2020-05-27 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: Colony Brands, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I spoke with a representative by the name of XXXX Id # XXXX at Swiss Colony/XXXX  in regards to acct #. with a balance of {$340.00} I have been disputing this reporting for years to come, and every so often it reappears on my credit reports. So today I decided to contact said company a request validity of the debt, requesting that they provide proof that the account belongs to me, something showing my signature, identification something that will prove that this is my account. Per XXXX she stated that due to this account dating back to XXXX, they do not have anything that will prove the account belongs to me other than an invoice. Now mind you I have been requesting this information for many years and have yet to receive it. I called Swiss Colony again so that I can get the account number, at that time I spoke spoke with XXXX who in turn told me she unable to find account, she then transferred me to a XXXX who stated he was unable to find an account under my name and that the account listed under my phone number is for a different person. I was then transferred to XXXX ( supervisor of customer service ) that stated the account was for XXXX XXXX. I was then transferred to XXXX ID # XXXX  ( supervisor of collections ). Requested that she send proof that the account belongs to me and she in turn stated I will need to send in a fraud packet. I know that any and all agencies have to provide proof within 30days of validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
They keep cold calling me everytime I am late on a payment. They don't even let the month end before they report theate payment to the credit bureau and start harassing you about the month you are late and the following months payment. Your due date is the XXXX of each month, your payments is {$35.00} a month if you are late meaning any day past the XXXX they tell you owe {$70.00} which is amount of the current month you are still in and the next month. The customer service representatives are so rude they just say " is the so and so well you owe money how are you going to pay? '' They don't even give you a chance to explain why you were late only by week and a half. Then they try to force you to pay the current months balance and next months balance. They shouldn't be allowed to harass consumers this way especially for {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempt to call in and have also sent in 5 letters to your company with all required documents to remove my FRAUD ALERT permanently but you guys have failed to remove it. I am getting exhausted and demand you guys to remove it immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX has repeatedly tried to collect wrongful amounts from me. They currently have accounts under my name at a collection agency called " Credit Collection Services '' out of XXXX XXXX XXXX, XXXX, MA. When I called my insurance to verify the EOB 's, my insurance said that XXXX incorrectly filed the claim and therefore did not pay the amount. XXXX did not refile the claim and said it was my responsibility to pay the amount. I told XXXX that it was not my job to do their job, and their representative said that I still owed the amount. This has happened numerous times to me and my family members.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Nelnet, Inc.
State: TN

Complaint narrative:
I appealed a late payment fee for classes dropped prior to the refund ending date. This was mostly due to high phone call volumes for the financial aid office and from the university posting statements the same day as the refund deadline. This made it to where I was unable to get correct and timely information on if my loan would cover my classes. While dealing with this I was also dealing with my advisor not changing my major correctly and then having classes automatically dropped as well. Once the deadline ended I finally reached a useful representative from the university that told me I would have to pay {$600.00} to not have to drop a class. Unable to afford that along with other expenses I dropped the classes. I was charged late registration fees for classes I was automatically booted from. I was hoping at least for the 75 % refund I was guaranteed. Instead, I was somehow charged twice for the same class. Receiving a 25 % refund on one, as well as a 75 % refund on the other. Even though my student account states both classes were dropped on the same day. Which is also proving it was way before the refund deadline. I appealed this in early XXXX and received an email back on XX/XX/2020 from the University and Student Business Services Appeal Team department stating " the appeal process will take a minimum of 10 weeks once we have received all required documentation. Then on XX/XX/2020 I received a message stating " The Bursar 's Office has completed the review of your appeal requesting an exception to the University 's policies. After careful consideration of the documentation provided, we are unable to approve your request. '' I believe this is wrong, deceitful, as well as a terrible way to start out with student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Harley Davidson Financial Services Inc
State: NY

Complaint narrative:
Harley Davidson Account XXXX I am writing to you regarding an account that was opened XXXX XXXX and paid in full for 63 months with more than 98 percent of payments made on time. I would like to discuss an item posted to my credit report regarding this account and request that it be revised. Through the course of the loan there was a late payment in XXXX of XXXX and XXXX of XXXX, I believe they were one day late. The issue was not indicative of how I normally handle credit and I have substantially improved how you handle credit. For the remainder of months over the course of six years all payments were made on time. I have enjoyed being part of the HOG  group and I live around the corner from a dealership that I frequent often and know everyone by first name at the XXXX XXXX XXXX  
I am an avid Harley fan and would love to purchase another motorcycle, I have been sent material from Harley indicating that I am a customer in good standing and to come on back however, with these two late marks in my account it is reflecting poorly on my credit reports causing my score to be low. 
This account has been paid in full. I am requesting that Harley Davidson in  goodwill give me a second chance at a fully positive credit history with your organization by removing the two late payment marks from my credit report with all three credit bureaus. Please let me know if there is anything else, I can provide to support you as you consider my request. Revising remarks is common practice and I am hoping that you value me as a returning customer enough to work with me on this. Statistics show that I am 98 % positive in the total age of this loan that was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out a private student loan through Navient ( Salle Mae ) in 2008 to pay for XXXX  school at XXXX XXXX XXXX XXXX ( sit for the CA State Bar ). I was fraudulently admitted to XXXX XXXX XXXX XXXX ( I lacked XXXX  credits at the time ), paid for four years of school and the school was closed due to the improprieties of the dean. I initially sought counsel, but was told I shouldn't throw good money after bad because I would never collect from the Dean. The units are worthless as I have not been able to transfer any units, so I have been paying on this loan for years for nothing. At one point, I had trouble paying my loan and Navient forced me into a forbearance, which added another $ XXXX or so to my loan. shortly before Covid broke, I reached out to Navient in attempt to resolve my issues. Basically, they gave me the XXXX. I was furloughed due to Covid and they REFUSED to modify my loan in any fashion. The only student loans XXXX XXXX XXXX XXXX offered were private loans. I wish I had known then what I know now. Private student loans seem to be the only financial service where there is no risk for the lender. Navient must be run by a group of lackeys that can't hack it in the real world, while collecting millions in compensation. I am not aware of any financial institution where the lender will not work with the consumer, especially in unique cases of fraud, job loss, etc. I have an Amicus Curiae letter drafted that will be circulated to the XXXX XXXX in your pending lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
I leased a XXXX XXXX  from Porsche Financial Services. The car was garaged and driven mostly highway and in the suburbs. No city driving. I arranged for a pre-lease end inspection and a surly individual spent time with the car and was noncommunicative about findings. I subsequently received a bill from this company for {$2700.00} ( attached ) with misinformation and pictures alluding to scratches which were not visible. The measurements of the treads were just wrong - the car just passed inspection. I asked to see measurements and was brushed aside. I then received an unofficial estimate for {$4700.00} from Porsche Financial Services. I called the dealer and they said not to worry, I would receive an updated reckoning, which I have not. I turned in the car XX/XX/XXXX. The dealer noted the car was in excellent condition. I have yet to receive notification from Porsche Financial Services, which was supposed to be w/in 24 hours. There should be NO excess wear, as this car was in pristine shape when returned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have had a student loan w Nelnet for many years. Right after graduation they convinced me to consolidate so I would have one payment and one account. I did and it locked me into a higher rate then I might have gotten if I had waited. Never the less I have been paying on it for over 10 years and been a loyal customer who will be with them for many to come due to my principal balance. I have a good payment history with them. I made a mistake and un-linked my payments in my online banking and became delinquent. I shred my statements but when I realized that something was amiss because it was alerted on my credit report monitoring I called and took care of the balance that day. I take responsibility for my mistake. However, Nelnet has reported it as two separate loans past due on my report. Basically doubling the impact of the mistake. I have one payment. I understand they have it listed as two loans in their system for their purposes but this is an unfair burden because it has caused a severe impact to my credit score. I asked if there was a way to only report one delinquent or amend it due to my positive payment history. They refuse and are disinterested in assisting me. I have called and spoken to several people- getting conflicting information. I finally spoke to someone in the dispute department and there was nothing he could do. It is preventing me from refinancing my home and is putting my family in a position to overpay. I did not ask them to not report my mistake - only that it should not look like six missed payments on my report only three. This is not the first negative interaction I have had with Nelnet. Years ago I signed up for their automatic payment program and a few statement cycles later my principal increased by several thousand dollars. I called in a panic was informed that in the fine print of the program enrollment that it was one of the terms. I was shocked that that would be buried as a term of a payment agreement. I have little faith in them to do right by people like me who have paid a ton of interest and made no headway with on their loan debt. I am hoping that someone can help me find a resolution so that I can move forward and refinance our home and begin saving for my children to go to college. I do not want them to carry the same burden I have.

Company response to consumer: Closed with explanation