vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

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 2018-02-19 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: AZ

Complaint narrative:
All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of tXXXX XXXX  XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX  monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I signed up for Equifax 's XXXX XXXX XXXX on XX/XX/2017. This was after being told I was XXXX of XXXX XXXX people " possibly compromised '' by their so called data breach announced in XX/XX/2017. 
The service was offered free with the promise of a credit report copy, a credit lock on my personal credit report, and credit monitoring from the three major credit bureaus. 
After my registration, their site stated it would " take a few days '' for credit monitoring to begin from the other agencies. It has now been FIVE MONTHS. Their web site still states the same thing and you can not talk to a live person in this country about this issue. They use call centers outside the US and hide behind " no reply '' email accounts. 
I will NOT discuss private personal data with a non USA citizen in another country. 
I also signed up for XXXX 's XXXX XXXX credit monitoring in XX/XX/2017. This was because Equifax had not come through as promised. They too promised credit monitoring and the ability to put a lock on my credit report at my discretion. Immediately after signing up, I was told a lock could NOT be activated and told to call a customer service number which is a call center outside the US. Again, I will NOT discuss my info with non citizens outside this country. They were given all my info during the registration. I am unable to lock my credit reports from two agencies and starting to see signs of fraud and identity theft. I believe these two agencies are in this SCAM together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. 


Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. 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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Starting in XXXX of XXXX, my now ex-boyfriend stopped paying on our XXXX XXXX credit card, when we broke up in XX/XX/XXXX he said that he was continuing to pay on the card ( he was not ) in XXXX of XXXX, I received a notice that he had filed bankruptcy and went to dig into the status of this account. 

That is when I discovered that it had not been paid on, as he was the primary account holder, XXXX XXXX/Citi Bank never made an attempt to contact me. 

Once I found out, got account access to the account I was able to make the burdensome payment of {$290.00} a month, since XXXX of XXXX. 

Despite that, I have made no progress on the balance. I am being charged a onerous and abusive interest rate of 26.49 %, on top of overlimit charges and late fees. 

Attempts to contact them to find a resolution have been useless, and so I have no choice but to file a complaint with the CFPB. 

This has caused me to be declined for other loans and financial resources that I otherwise would have qualified for, as my other obligations are met on time.

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 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: WI

Complaint narrative:
No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX   is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.

Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX   XX/XX/XXXX, second dispute initiated. XXXX XXXX  wants late fees and interest which I find inappropriate due to lack of notification.

see enclosures ( 6 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: OK

Complaint narrative:
I started contacting ARC Management Group in late XX/XX/XXXX to request proof of payoff that occurred in XX/XX/XXXX. They verbally stated that the debt has been payed to XXXX, but I have requested written proof 4 times. Each time, they say " we will forward the request to the department who sends out that information, and you should have an email in your account with ( insert varying time frames here ) ''. I have yet to receive a written proof of payoff and the business office will not help me resolve the situation - they will only resend the request to another department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have vehicle lease account with Toyota Financial Services that was properly paid for and closed on XX/XX/XXXX As I changed address after the account was closed, I did NOt receive any further communication from Toyota. But, I get a call from a credit collection agency, XXXX XXXX XXXX, onXX/XX/XXXX regarding a debt to Toyota. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted Toyota and disputed the missing key. Toyota told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with Toyota, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX keeps telling me that this is what Toyota reports to them. Each time I contacted Toyota at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Support Representative, I just discovered this online and i don't know anything about this debt. I didn't receive any notification about this debt. I would appreciate if you can help me remove the derogatory mark as it affects my credit history. Sincerely, 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 2018-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX   : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
We have been paying my mortgage of XXXX to e company called Fay Servicing, XXXX XXXX XXXX Texas XXXX XXXX XXXX for many years. This is the third or fourth loan servicer for XXXX ( who actually owns the loan ) in the last 10 years. We have been paying my mortgage on time and without any problem for many years but Fay servicing ( A so called debt collector ) does not report on our credit to any of the the three major credit agencies. They claim that is not their policy to report our loan and this lack of credit history it is adversely effecting our credit value. This is an unfair procedure and should not be allowed. A financial institution should report accurately on consumers and not only adverse actions. 
Because today the credit check is used for many different reasons this is very important to us. Please help us resolve this issue as I know there are many other people in the same boat. I am a veteran and can not afford to have have a complete credit record. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
Hello, I have been having constant problems with Navient and my " Private Loans '' for the last 7 years. I have been badgered and harassed by this company and when i explain to the people calling that I cant afford the payments they want they just say that they cant help me. I basically am in financial ruin because these loans have tanked my credit so bad that it is hard for me to provide for me, my wife, and XXXX kids. 

I have taken care of my federal loans and they are with XXXX  XXXX servicing, but they have two of my loans that are Private loans. And you are XXXX  me over!! 

I know there are plans out there for help in payments, but I was never offered any options, except for a laugh in the face and saying that there was nothing they can do and saying I was refusing to make a payment ... .. " A LIE!!! '' If they really did recorded the phone calls they would have all the conversations of me saying that I needed help and couldn't afford to make their payments. 
I thought I had a grasp on things last year but it just cam to my knowledge that it wasn't. I need this fixed yesterday. 

I want answers, I want fixes, I want things to be reported like they should be on my credit report now. I am so done. I will stand up and fight because I am done being pushed around by everyone that I have talked to from this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: NY

Complaint narrative:
I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NY

Complaint narrative:
Received a XXXX dollar ( {$50.00} ) prepaid gift card : a debit XXXX  card claiming to be " property of U.S. Bank XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX '' In trying to register the card i find that neither the website www.mygiftcardsite.com, nor the published toll free number XXXX to be working. 

Checking the web i find that his company seems to have a long history of complaints and abuses.

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 2018-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have a XXXX ( Barclays ) credit card that I've used to make purchases off of XXXX since XX/XX/XXXX. I had never been charged a cash advance fee for purchases from this site. However, starting in XXXX of this year ( XX/XX/XXXX) I began to get charged cash advance fees. Barclays said they did this because coinbase change the reporting of what they were to currency which now equates to a cash advance. This is fine. My problem is that Barclays never communicated this change and I have now racked up {$290.00} in cash advance fees that I knew nothing about. They will not remove these charges even though nothing was communicated to end users about an internal change. 

https : //www.barclaycardus.com/

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