vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 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: MN

Complaint narrative:
XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on 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 2018-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Social Finance, Inc.
State: MO

Complaint narrative:
On XX/XX/2018 I submitted for economic hardship forbearance, due to the amount I make monthly not being sufficient to pay the assigned monthly payments for my student loan. On XX/XX/2018 I was notified that my request was denied due to exceeding the maximum time limit allowed to request this type of forbearance, despite providing current proof of earnings. I have regularly been in contact with XXXX XXXX to discuss options and they have not and continue to not provide me with any other options for repayment or getting my account in good standing. On XX/XX/2018 I made a payment of {$850.00} to attempt to decrease the days delinquent and avoid negative reporting to credit agencies, per the suggestion of the representative via the phone. However on XX/XX/2018 I received notification from XXXX XXXX regarding a drastic reduction in my credit score. On XX/XX/2018 I contacted XXXX   regarding credit counseling and how to rectify my current situation. Unfortunately I have been provided little to no options as the result of the lender. Presently, I am receiving threats of default and further negative credit reporting despite continually contacts and pleas to provide other options that would allow me to pay a more suitable amount for my current income level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.

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 2018-12-08 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: CA

Complaint narrative:
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX  along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with department store national bank and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: CA

Complaint narrative:
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with XXXX XXXX XXXX XXXX and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: WA

Complaint narrative:
I contacted transunion through a certified letter in XX/XX/2018 asking for written validation of a collection reported on my credit report. I received a letter XXXX XXXX stating the results were verified and accurate and updated. However I did not receive written verification of the debt validation. I contacted the collection agency as well and still have not received the proof of validation. Therefore the debt needs to be completely removed off of my credit reports.

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 2018-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX   XXXX  with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

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 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/18 - I checked online to verify if my employment direct deposit posted. While reviewing the account, I noticed my account was closed on XX/XX/18 - CLOSEOUT TRANSACTION - DDA INT BEARING. Due to the unexpected account closure, my direct deposit was rejected and I will not receive my funds from my employer for another two weeks ... XX/XX/18. I called Wells Fargo on XX/XX/18 and no customer service rep could provide an answer as to why my account was closed. I never received an email or mail notification prior to closure. I later find out that my account was closed because there was no customer generated activity after 61 days. There was numerous transactions in the last 60 days but no ATM withdrawals. I was overseas on work assignment for 7 weeks so I guess this is how Wells Fargo treat its longstanding customers by removing them. My account needs to be reopened immediately. I received an email regarding the acct closure on XX/XX/18 ... only after I complained about not receiving any notification. 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 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I contacted Credit Management LP on XX/XX/2018 to pay a debt that had shown up on my credit report in the amount of {$580.00}. While on the call the collections agent said that the debt could be settled for a payment of {$380.00} which I agreed to and paid immediately. When speaking with the agent before paying I confirmed that if I paid the debt I would receive an immediate letter or email stating the debt had been paid. The agent said I would receive a letter stating the collection had been paid within 24-48 hours. One week later I called again and a different agent told me that the account was on hold and it would take 72 hours to be corrected and that I would need to call them again to get the letter stating the debt had been paid. I called on XX/XX/2018 as the account was still being reported as in collection and I had not received a letter stating the debt had been paid. The " manager '' told me he was going to escalate the issue and I would receive a debt settlement processed and get me a letter in 72 hours. I called again XX/XX/2018 as the debt is still showing as in-collection and I had not received a letter or email stating the debt had been satisfied. This company is failing to report the collection as paid and has not set me any letter or communication to show the debt has been paid.

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 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Please I would like to re-submit a new complaint against Discover Credit Card.Please read the previous complaint # XXXX Their response didn't address my complaint at all about : " The phone call I made contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle ''. 

* The phone call I made on XX/XX/2018 it was to add additional information in regards the ongoing dispute as it was my undertanding, and the supervisor XXXX said was ok she never said to me why I didn't submItted originally when I initiated the dispute, or your dispute its closed as this representative XXXX XXXX stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: OH

Complaint narrative:
I have received many calls from this same company from multiple different phone numbers which come from multiple different states as well who asks for someone else when I answer then continues to argue with me & gives me private information about the other person in attempt to get me to identify them or their whereabouts as well as other information about their person & debt. I explain that I do not know about and have absolutely nothing to do with the debt that is discussed as it is not mine. They continue to argue with me and call even though I request they do not. Typically they will hang up when I threaten to notify my attorney of this harassment not related to me or my debt. 

XXXX ( XXXX ) XXXX 4X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days I deleted all other call records on my actual phone but they are on my phone record online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and equifax just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.

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 2018-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made the mistake of signing up for a XXXX Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment ... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month ... a hassle I haven't had to deal with for nearly a decade. Dark ages in terms of financial services. So when I was traveling last summer ... guess what? Forgot to pay my bill online and they hit my credit AGAIN. They also hounded me mercilessly by phone after I emailed about the problems, to the point of harassment. I finally asked for my outstanding balance and instructions to close the account because I was so sick of dealing with them and guess what they did. Closed the account without further communication and reported the outstanding balance to credit agencies, further damaging my credit. I wanted to pay it off and then close the account, not close it with an outstanding balance. They are responsible for lowering my credit score over 100 points for less than {$800.00} in credit. I am also now convinced that XXXX refuses to offer autopay to induce late fees, which according to other reviews Ive read are consistently added in bad faith. CORRUPT AND ABUSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
At issue is this CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$510.00} Date Updated : XX/XX/XXXX Original Amount : {$410.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< I have never been a patient or a responsible party of a patient of XXXX XXXX. I have called this company several times and nothing was accomplished. I have called the collection agency and nothing was accomplished. I challenged this collection and they verified as accurate an account and collection in which I have no responsibility for as I have never been a patient. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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 am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was scammed by a person on XXXX. They were selling me tickets to a concert. We were in communication for about XXXX hrs before the transaction. I sent the money via XXXX and they told me they received and asked for my info to send me the tickets. Which is surprising that XXXX is considered " authorized ' form of transaction when all you need is someones email? Thats the last time I have heard from them after several attempts. I immediately contacted my bank WellsFargo to let them know what happened and to have the transaction cancelled. I spoke with three different representatives who told me three different things : 1 ) I can provide them with a police report they will be able to help me, 2 ) I need to file a money movement claim with wellsfargo ; and 3 ) None of the above is true and no one can help me. Working with wellsfargo was incredibly frustrating and disappointing and i will never use XXXX again. XXXX is more secure than them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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:
Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.

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