vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX NEVER APPLIED FOR THIS = CHARGE CARD, FOR XXXX $ THE WEIRD THING THERE IS NO MORE DATA ON THIS FILE = EXCEPT = XXXX  # XXXX XXXX XXXX XXXX ACCOUNT # I WOULD LIKE BACK FROM FINANCIAL LOSSES THE AMOUNT OF = XXXX $ DEPOSITED TO MY BANK ASAP,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is an issue XXXX was going to handle a long time ago. I was recently looking at my XXXX XXXX   and noticed it is saying XXXX XXXX XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and equifax and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Bill came dated XX/XX/XXXX. Claim is from XX/XX/XXXX for {$580.00} XXXX XXXX XXXX. 
I moved XX/XX/XXXX. To the best of my knowledge I was up to date on my utility bill with XXXX. 
Penn Credit from XXXX Pa is trying to collect this debt. This creditor has not appeared on my credit report over the last 4 years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On My Equifax Credit Report seems to be a few things that have not come off that they had agreed to take off The following addresses I am not associated with : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employment info is also incorrect XXXX XXXX XXXX XXXX i do not work at I am with a company called XXXX I am just looking for those addresses to be updated and the employment info updated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX amount XXXX Date XXXX10

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Hunt & Henriques
State: CA

Complaint narrative:
My name is XXXX XXXX, on XX/XX/2019 at XXXX. I appear in court. I was being sued by Hunt & Henriques on the behalf of XXXX XXXX XXXX. On that day the plaintiff lost the case against the defendant ( XXXX XXXX ) I request my credit report and the negative information still exist on my credit history. I would like for this information to be removed since I do not owed any monies to XXXX XXXX XXXX via Hunt & Henriques. I have spoken to a debt collection lawyer and he stated I do not owed prior monies to original owner XXXX XXXX and buyer of said debt XXXX XXXX XXXX ... ... Hunt & Henriques, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: MD

Complaint narrative:
I want this fraudulent inquiry removed immediately. Please correct. 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 2019-05-13 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:
Fraudulent account XXXX  XXXX  XXXX XXXX date opened 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 2019-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted company to ask a correction on the lenght of credit history with the XXXX XXXX XXXX. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with Transunion correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
I am the Executor of the Estate of my Parents XXXX ( DOD XX/XX/XXXX ) and XXXX ( DOD XX/XX/XXXX ) XXXX. They had a reverse mortgage on their home. In order to sell it and to satisfy the debts it needed to be repaired to get a certificate of occupancy which we received in XX/XX/XXXX when all repairs were completed. Since the date of my mothers debt I was told to communicate to the lender, Plaza Home Mortgage of all efforts to sell the house in the interim which i dutifully did. I was told that I would have until XX/XX/XXXX to sell the home before foreclosure proceedings started. In XX/XX/XXXX we got an offer to purchase the property at XXXX XXXX XXXX XXXX NJ for {$170000.00} more than the reverse mortgage. I communicated this offer immediately to Plaza. Almost instantly i began to receive foreclosure notices from their law firm in NJ XXXX, XXXX and XXXX demanding that the debt be satisfied by XX/XX/XXXX. I called Plaza and they said that they are required by ls to start foreclosure proceedings 1 year after the DOD of the last named owner of the home. I am now being subjected to mass mailings from the predatory lawyers for demands of foreclosure on the home even though i have explained that we have a pending offer. We have to pay for each of these letters even though they are not needed. I think that this is scam to make money for the law firm. I called Plaza repeatedly and was hung up on, told to " deal with it '' and hopefully the house will be sold before it is foreclosed. I do not think that this is in the spirit of the reverse mortgage program. I complied with every instruction and date given to me by Plaza and was told that i had until XX/XX/XXXX to sell the house. Being in foreclosure make sit more difficult to sell a home and its worse when accumulating legal fees from a predatory law firm that i have no control over

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First TN trust account not allocated. 
XXXX XXXX XXXX t account not disclosed. 
XXXX XXXX XXXX XXXX accounts not disclosed Government bank accounts not disburses no payment received XXXX of XXXX XXXX check not disbursed. 
United States Treasury/State of TN-unsure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sunset Solutions Group, LLC
State: KS

Complaint narrative:
I was asked to come over to my Executive Director 's office. When I went over the ED and Human Resource staff was in there to let me know that HR had received a phone call from a XXXX XXXX at Sunset Solutions XXXX ext XXXX. During that phone conversation Mr XXXX disclosed that I will be served papers for bad checks. My ED asked that I return the phone call to Mr. XXXX and I did. Mr. XXXX was informed that on XX/XX/XXXX @ XXXX he can no longer call my place of employment. I was informed by Mr. XXXX that they will keep calling the HR department, that they will see me in court and that I will be served the morning of XX/XX/XXXX. I am filing this complaint because Mr. XXXX indicated that they will keep calling my employer, even after being told that they can not, he disclosed the nature of the phone call ( debt collection/bad checks ) with someone other than myself and threatened legal action without providing me any information regarding this.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
At XXXX XXXX store, they asked me if I want credit card I said no and they asked if I want reward card that I can collect points and I said yes. Their reward card basically a credit card which they didnt tell me and I never received. Couple months later I get a call that I owe {$96.00} from the {$35.00} purchase that they said I did 2 months ago. They charged me {$61.00} late fee. I never received any bill, I had no idea I had a credit card and I dont even know if its my purchase. They are tricked me. After this experiance I asked my friends if they had XXXX XXXX XXXX card. They were all tricked by that too and one of them had to pay {$240.00} dolar for the {$5.00} purchase she made a year ago because of the fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
I evidently became ineligible for my past income-driven repayment plan in XXXX, so Fedloan had my re-apply for another repayment plan. I submitted a new repayment plan application in early XX/XX/2019. It took over 4 months to get processed. In the meantime, I had to make full payments on my student loans, which I did for two months. Also, in the meantime, I receive conflicting and confusing correspondence from Fedloan saying I had past due bills, my application was approved, my application was denied, my application could not be approved, they needed additional information, I needed to make additional payments ( even though I was making payments all the time. ) Now, my new plan has been approved, but I still have a past due bill for a full amount even though Fedloan said my new payment plan is approved. 

Every time I call, I get conflicting information and after spending too much time on the phone, Fedloan says they have straightened everything out. However, they can never send my any documentation of our calls, so when the next letter comes that conflicts with the last information comes, I have no method of straightening anything out. 

I work for a non-profit and my income has not changed. My employment is dependent on an income driven plan but Fedloan has made this impossible. I fear that I will suffer negative financial  consequences when I am trying my hardest to be compliant. However, Fedloan 's inability to provide any clear or consistent directions or communication has made this impossible. 

I am available for any clarification. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX XXXX open XX/XX/2018 Amount 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 2019-05-13 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:
Fraudulent account XXXX XXXX XXXX open XXXX Amount 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 2019-05-13 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:
Fraudulent account XXXX  XXXX XXXX date open XX/XX/2017 Amount 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 2019-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB : I was informed in XX/XX/2018 that the credit reporting agencies ( XXXX, Equifax, and XXXX  ) would be notified about an arrearage in my ex-wife 's XXXX XXXX account. I disputed the information and have not heard anything from the XXXX  County Office of XXXX XXXX XXXX, ( XXXX ) in XXXX Maryland. 

I have been informed by XXXX XXXX ( when I applied for a mortgage loan ) that there is a judgement from the XXXX for an amount exceeding {$7000.00}. This is false and my ex-wide is attempting to disparage my reputation and good credit rating by stating that I owe back child support payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I deposited a check for {$8000.00} into a Bank of America ATM - admittedly not my best idea. I went through the usual process and inserted the check, but the ATM froze and ate the check. It went through a " please take your check back '' error screen but never dispensed it. It did give me an error receipt with a phone number which I called immediately. I was told it would take between 1 and 45 days to verify the deposit amount and that there was nothing they could do to help. I called back the next day to check on the status of the claim and they didn't have any updates and still, as of XX/XX/13, I haven't heard anything. I explained on both calls that the money was to cover a hardship and that I can't wait 45 days but again, they don't seem interested in helping.

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY STOLE MY PERSONAL INFORMATION TO OPEN CREDIT CARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied to a pre-qualified offer and was denied based on an invalid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
My credit report states that I was late on paying a car payment. It is listed twice on my credit report on XX/XX/XXXX, and XX/XX/XXXX except it shows four lates which is in correct on all three credit reports which they have not gave me sufficient proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT 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 non-monetary relief
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXX  XXXX XXXX  date open XX/XX/2017 Amount 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 2019-05-13 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: Sarma
State: TX

Complaint narrative:
I have an unauthorized hard inquiries. I did not authorize for these companies to pull my credit. I am demanding that these unauthorized inquiries be removed from my credit reports w/ all three major repositories. If these companies refuse and state that I did authorize this, I demand for an application w/ my wet signature be sent via mail to me. If these companies can not provide this info I ( once again ) demand that these unauthorized inquiries be removed from my credit reports. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018 ( I told the sales counselor not to pull my report because I had gotten approved already from a financial institution ) SARMA- Pulled XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to XXXX on Tuesday XX/XX/2019. Equifax Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019

Company response to consumer: Closed with explanation